Whatever you are wrestling with, start with a question.
These are the money questions every owner runs into — the ones that used to mean a spreadsheet, a guess, or a bad night's sleep.
“Why am I busy but not making money?”
You are flat out, and the bank account does not show it. Your CFO goes through your real numbers, finds where the profit is going — underpriced work, a cost that crept up, a customer who is costing you more than they pay — and points at the one thing worth fixing first.
“What should I charge for this?”
Stop guessing at prices. Your CFO builds up the true cost of the work, applies your target margin the right way round, and gives you a number that protects your profit instead of quietly eroding it.
“Did I make money on that job?”
Compare what you quoted against what it actually cost. See your real margin, find what went over and by how much, and learn what to change before you quote the next one the same way.
“Can I afford to hire?”
Your CFO weighs three things: how much work you have actually signed, what the hire really costs once you add payroll burden, and what your cash looks like week by week. Then it tells you yes, no, or “yes, but wait three weeks,” and shows you why.
“Why is my bank balance lower than my profit?”
The classic puzzle, and rarely a problem. Your CFO breaks down exactly where the cash went — inventory, loan principal, owner draws, invoices you have raised but not collected — until the gap makes sense and you know which part to act on.
“Can I take money out this month?”
Before you draw, your CFO looks at the bills, payroll, and taxes coming toward you, and tells you what is genuinely safe to take — and what taking more would cost you in three weeks.
“What should I focus on this week?”
When everything feels urgent, your CFO surfaces the few things that actually move your money this week and gives you one clear action for each. It is the shortest useful conversation on this page.
Every answer is built on the numbers you connect or share — never on generic advice about businesses like yours.