You probably do if:

• You’re at or approaching $500K+ in annual revenue

• You’re adding locations or modalities and aren’t sure if they truly pay off

• Cash feels tight even when top-line looks good

• Your bookkeeper can’t answer “Should we open/close/raise prices?”
  

If you’re still very early and just need basic bookkeeping and tax, a full fractional CFO is overkill. If you’re losing sleep over cash and growth decisions, it’s time.

You’re ready when:

• You’ve outgrown what your bookkeeper / CPA can tell you

• You’re making six-figure decisions (new locations, big hires, debt, investors)

• You can’t clearly answer “Where is our cash actually going?”

• You want a finance partner in the room for strategy, not just someone closing the books
  

If your questions are more “How do I categorize this expense?” than “Should we open the next market?”, you’re probably not ready yet.

Both – as long as they’re in fitness, wellness, or HALO.

I work with:

• Franchisees / multi-unit owners who need location-level clarity and cash control

• Franchisors who need system-wide KPIs, Item 19/unit economics, and investor-friendly reporting

The structures are different, but the goal is the same: every location and the whole system actually make financial sense.

My retainers are month-to-month with a simple 30-day notice.

Most brands stay 9–18 months because we’re building systems, not quick hacks – but you’re never trapped in a long contract. If I’m not delivering value, you shouldn’t be stuck.

Yes – that’s exactly how it’s designed.

Control & Clarity™ CORE CFO is a focused sprint to modernize your reporting, workflows, and Finance AI foundations. If we both want to keep working together, you can roll into a retainer and apply a credit from CORE CFO toward the first month of ongoing CFO services.

You should feel real clarity within the first 30 days: cash visibility, key issues identified, and a simple action list.

Within 60–90 days, most clients have:

• A functioning 13-week cash model

• A basic KPI and unit economics view

• At least one major decision made differently because of the numbers

Beyond that, we shift from firefighting to building systems and long-term strategy.

My core retainers for fitness, wellness, and HALO brands typically fall between $3,900 and $8,900 per month, depending on size and complexity.

That’s a fraction of a full-time CFO salary (often $250K+ fully loaded) but with senior-level experience, systems, and AI built in. For smaller brands or one-time projects, we can start with CORE CFO™ instead of the larger options.

***Exception: I work with Start-Ups Under $500K: you may not need a full fractional CFO yet. I usually recommend a one-time diagnostic or CORE CFO™ to clean up the numbers, set basic cash controls, and give you a scaling roadmap.

Above $30M: I do work with larger brands, but it’s typically a custom scope with heavier FP&A, debt/equity strategy, and board support.

Either way, we’ll scope honestly – if you don’t need my level, I’ll tell you.

No. I don’t replace your bookkeeper or CPA – I layer on top of them.

• Bookkeeper/firm → day-to-day coding, AP/AR, payroll, closes

• Me (Fractional CFO) → cash flow, unit economics, forecasts, board/investor reporting, CEO/COO decision support

If you don’t have a solid bookkeeping partner, I’ll help you put one in place.

AI doesn’t replace judgment – it replaces grunt work.

We use AI to:

• Pull and normalize data from QBO, POS, and banks

• Build and update 13-week cash flow forecasts

• Spot trends in member behavior, pricing, and location performance

• Draft board/investor-ready summaries that you and I then refine
  

You still get a human CFO (me) making the calls. AI just lets us move faster and see issues earlier.

Core finance: QuickBooks Online (QBO), popular ERPs, are home base.

For fitness & wellness operations I commonly work with:

• SalesRevv, Walla, Mindbody, GloFox, ABC, Mariana Tek, ClubReady, Zenoti and similar platforms

• Payment processors, bank feeds, CRM/marketing platforms, and BI tools
  

The goal: one clean view of revenue, membership, and cash. I am a huge fan of Ramp and Rillet, check them out.

For a ~$5M operator, I focus on:

• Cash clarity: 13-week cash forecast and weekly cash reviews

• Unit economics: location-by-location profitability, member LTV, CAC, and class/program margins

• Pricing & promos: making sure offers don’t quietly destroy margins

• Reporting: simple, board-ready views of revenue, profit, cash, and KPIs

• Growth decisions: when to open/close locations, add services, or renegotiate leases
  

In short: I turn messy numbers into decisions you can actually act on.

Most clients start that way.

The first 30–60 days usually focus on:

• Cleaning up QBO and the chart of accounts

• Fixing recurring errors and mis-codings

• Getting bank/processor reconciliations caught up

We don’t build dashboards on top of garbage. We clean it first, then scale.