Earn more.Waste less.Keep more.
For owner-operated businesses doing $1M–$20M. We turn your monthly financials into a clear playbook for your next move — working alongside your bookkeeper, at a fraction of a full-time CFO.
Too many owners run their business in the dark.
You don't need more spreadsheets — you need visibility.
Make / Spend / Keep is the framework we use to make sure you can answer the three questions every owner should know cold, confidently, and in plain English.
- Which jobs, clients, or products actually make money — and which just look busy?
- What does it actually cost me to deliver — fully loaded?
- If I raised prices 10%, what would I gain — and what would I lose?
- What am I spending on that I wouldn't miss if I cut it tomorrow?
- Is my team the right size — or am I paying for capacity I don't use?
- Where could I cut 10% without anyone noticing it?
- Why does my P&L say I made money but my bank account doesn't agree?
- How much can I safely pay myself without starving the business?
- If I want to hire, expand, or invest — what do I need in the bank first?
The work we do across every engagement.
These are the capabilities we apply — drawn from the Make / Spend / Keep framework. Which ones we focus on depends on what your business actually needs.
Unit Economics & Margin Analysis
Understand the true profitability of every product, service line, and customer segment. See where your real margin lives — and where it leaks.
Pricing & Customer Profitability
Find the pricing leverage and customer mix that drives the most value. See which segments earn — and which quietly cost you.
Cost & OpEx Reduction
Cut what doesn't drive growth. Protect what does. Vendor renegotiations, subscription audits, and software stack reviews that pay for themselves.
FP&A & Operating Models
Financial planning that actually drives decisions — not just reports. Annual budgets, rolling forecasts, scenario testing.
Cash Flow Forecasting
See exactly where your cash is going — and when you'll need more. 13-week rolling forecasts that catch tight weeks before they arrive.
KPI Dashboards & Reporting
Real-time visibility into the metrics that actually move your business. Owner-friendly dashboards, in plain English.
Two ways to put the framework to work.
CFO Lite
For owner-operators who want monthly financial discipline — a clear picture of performance, tight cash management, and steady progress against the goals you set.
- Goal-setting and tracking — annual targets set together, progress checked monthly
- Monthly financial performance review with plain-English commentary
- Annual operating budget with monthly budget-vs-actuals review
- 13-week rolling cash flow forecast
- One-page KPI dashboard tracking what actually matters
- Two scheduled calls each month — monthly review and mid-month check-in
- Bookkeeper coordination so your books support the reporting
The CFO Seat
For owner-operators who want operational discipline plus strategic depth — a thinking partner who helps you understand which parts of the business actually drive results, and which decisions will move the needle.
- Unit economics and contribution margin analysis by product or service line
- Deep OpEx review — identifying what's worth keeping, cutting, or renegotiating
- 12-month rolling financial model (3-statement, scenario-capable)
- Custom reporting and analysis on the questions specific to your business
- Weekly cash check-in
- Quarterly strategic planning session
- On-call decision support — call when you need to think something through, with same-business-day response
Both tiers are month-to-month with no annual contracts. Both include direct coordination with your bookkeeper. We don't do investor reporting, fundraising, or M&A advisory — we're built for owner-operated SMBs, not VC-backed startups.
Start with clarity — on us.
Bring one decision you've been stuck on. We'll help you think it through — and tell you straight whether we can help, whether your bookkeeper has it covered, or whether you need something else entirely.