Your bookkeeper tells you what happened. A fractional CFO helps you decide what's next.
CEO Finance Academy gives owner-led businesses CFO-level help with cash flow, margins, and growth decisions, for a fraction of what a full-time CFO costs. Know where your cash will be in 13 weeks, which work actually makes money, and what you can safely pay yourself.
Free 30-minute call. We look at your real numbers with you. No pitch deck.
service companies
Projected bank balance, week by week
Owners who run their businesses with us
Revenue is up. So why does cash still feel tight?
Most owners we talk to aren't short on effort or sales. They're short on financial visibility. These are the things we hear on almost every first call.
Once a business passes about $1M in revenue, it gets too complex to run from the bank balance. But it usually isn't big enough to justify a $250,000 full-time CFO. That gap is where we come in.
Have us run the numbers with you, or learn to run them yourself
Both start with cleaning up your books and building a forecast you can trust. The difference is how hands-on we are after that.
Fractional CFO Services
A senior financial partner who knows your numbers as well as you do and meets with you twice a month to plan what comes next.
- Rolling 12-month cash flow forecast, updated monthly
- Two CFO meetings a month: a 90-minute strategy session and a 60-minute check-in
- Profitability by service line, job type, location, and department
- A custom dashboard with cash, margins, overhead, and debt in one place
- Oversight of your bookkeeper and a reliable monthly close
- Owner pay and tax reserve planning, coordinated with your CPA
Plans built around your business. See what's included and how pricing works on our fractional CFO services page.
See Fractional CFO ServicesThe Academy: Owner Training
One-on-one financial coaching that teaches you to read your numbers, plan your cash, and make decisions like a CFO. A good fit for owners under about $1M or anyone who wants to build the skill themselves.
- Weekly 45-minute meetings with your dedicated profit coach
- Done-for-you review of your bookkeeping
- A simple cash system for taxes, reserves, and owner pay
- Training on your P&L, cash flow, and the few KPIs that matter
- Ongoing process training as the business grows
Several versions of the program are available. We'll recommend one on your demo call.
Learn About The AcademyOver 100 contractors trust us with their numbers
Construction finance is its own animal. Revenue lands over the life of a job, cash shows up 60 to 90 days later, and one underbid project can wipe out a quarter's profit. Most bookkeepers were never trained for that.
Our CFOs already know job costing, WIP schedules, retainage, progress billing, and seasonal cash swings, so we start finding problems on the first call instead of spending three months learning your trade.
CFO Services For Contractors
The 13-Week Contractor Cash Flow Toolkit
The same weekly forecast we build with clients, set up for progress billing, retainage, and payroll. Plug in your jobs and see your cash gaps weeks before they hit.
Get The Free ToolkitFrom guessing to a plan in about 60 days
Free intro call
Thirty minutes on your real numbers. We'll tell you where we see opportunity and whether the Academy or fractional CFO work is the better fit, or neither.
Clean up and build
In the first 30 to 60 days we review your books, restructure your P&L, build your dashboard and first cash forecast, and run a full profitability assessment.
Run the business from the numbers
Regular meetings, a forecast that stays current, and a partner for the big calls: hiring, pricing, equipment, debt, owner pay, and growth.
From covering payroll with a 34% loan to a $200K cash reserve
Lee M. owns a $3M construction and excavation company in Michigan with 22 employees. On paper the company was profitable. In the bank, it was broke. Government receivables had grown to $750,000, and he'd taken a $150,000 hard-money loan at 34% just to make payroll.
We restructured his P&L by service line, set up a monthly close, built a rolling cash flow forecast, and mapped every dollar of debt with a payoff plan.
More client stories:
"I finally sleep at night"
"Before CEO Finance Academy we were guessing; now we run the business from a forecast. We raised our bid margins, tightened cash, and turned a messy pipeline into predictable working capital. The program literally paid for itself in months."
"I thought I needed better marketing or a bigger team. What I needed was financial control. CEO Finance Academy taught me to think like a CFO. We cleaned up cash flow, set aside tax and reserves, and I finally sleep at night knowing payroll and growth are funded."
"Our fastest win was cleaning up AR and getting a 13-week forecast. Once we could see the weekly cash picture, collections became the priority and we stopped living paycheck to paycheck."
"It's been phenomenal working with Alex & Will with my business finances. Before them, I didn't have a systematic way of handling it or even truly understand what impact it was having on my personal life. If you are looking to scale your business, have more peace of mind, and find more profit in your business don't wait."
"You have helped me SO MUCH with this. I finally feel confident and secure in my abilities to do this business thing without a job as a safety net. Forever grateful."
Business owners who help business owners
Our founders started out as doctors of physical therapy, not accountants, and became business owners themselves. Along the way they noticed something: almost every owner we met had a marketing coach, a sales coach, or a product consultant. Hardly any had someone helping them understand and plan their finances, even though poor cash flow is the number one reason small businesses fail.
So we built that. Today our team of fractional CFOs, profit coaches, and bookkeepers works with owners across the country from our remote offices in Salt Lake City and Pittsburgh.
Alex EngarCo-founder and Fractional CFO
Will BoydCo-founder and CMO
Ian HoganCOO and Fractional CFO
Taylor BuschFractional CFO
Ted McCarthyFractional CFO
Morgan MarkClient Success Director
Natasja CatacunExecutive Assistant
RiQueshya WallFull Charge BookkeeperStart with the guides owners read most
Frequently asked questions
What does CEO Finance Academy do?
We give owner-led businesses CFO-level financial help in two ways. Our fractional CFO services provide a part-time CFO who builds your cash flow forecast, analyzes your margins, oversees your bookkeeping, and helps you make major decisions. Our Academy coaching program teaches owners to manage those numbers themselves through weekly one-on-one coaching.
How is this different from my bookkeeper or CPA?
Your bookkeeper records what already happened and your CPA handles taxes and compliance. Both mostly look backward. We look forward: forecasting cash, finding which work is profitable, planning owner pay and tax reserves, and modeling decisions like hiring, pricing, and equipment before you commit. We work alongside your bookkeeper and CPA, not instead of them.
How much do your services cost?
Fractional CFO pricing depends on the size and complexity of your business. You can see our plans and what each one includes on the fractional CFO services page. For comparison, a full-time CFO typically costs $200,000 to $350,000 or more per year. The Academy has several program levels, and we'll recommend one on your demo call.
What size business do you work with?
Most fractional CFO clients do between $1M and $20M in annual revenue. Owners under about $1M, or owners who want to learn to run their own numbers, are usually a better fit for the Academy.
Do you only work with contractors?
No. We've worked with more than 315 businesses across 40+ industries, including healthcare practices, agencies, staffing companies, ecommerce brands, restaurants, and home care. Construction and home services is our deepest specialty, with 100+ clients in that space.
Do you work with businesses outside Utah and Pennsylvania?
Yes. Our offices are in Salt Lake City and Pittsburgh, but every engagement runs remotely through video meetings, shared dashboards, and direct access to your accounting system, so we work with owners across the United States.
See what a CFO would fix first
Book a free 30-minute call. We'll walk through your cash flow, margins, and biggest opportunities, and you'll leave with at least one thing to fix this month, whether you hire us or not.
Prefer email? team@ceofinanceacademy.com
Does This Sound Like You?
- Your business is growing fast and expenses are getting out of control
- You're wanting to hire but are worried it will cut into your profits or force you to reduce your take home pay
- You've had an influx of revenue and don't know how to allocate the money
- Your poor (pun intended) past with money is creeping back in and feel like you might self-sabotage the business
- You thought hiring an Accountant and Bookkeeper would solve all of your money problems
Watch this video to see why you need a Financial Coach
TESTIMONIALS
What Our Clients Say
Melissa Buffer
Brick and Mortar Owner
Josh Payne
Online Business Coach
Raj Padalia
Investing Consultant
Betty Delass
Healthcare Practice Owner
Duane Scotti
Online Fitness Coach
“You have helped me SO MUCH with this. I finally feel confident and secure in my abilities to do this business thing without a job as a safety net. Forever grateful.”
Brooke Czarnecki
Dietician Private Practice Owner
"It's been phenomenal working with Alex & Will with my business finances. Before them, I didn't have a systematic way of handling it or even truly understand what impact it was having on my personal life. If you are looking to scale your business, have more peace of mind, and find more profit in your business don't wait."
Joey Allbritton
Marketing Agency Owner
Remote Offices In
Salt Lake City, UT & Pittsburgh, PA
(385) 422-8909
CEO Finance Academy
Healthy Funnel, LLC
DBA: CEO Finance Academy
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