Increase profit at a fraction of the cost with 30-year CFO leadership
I’ll find at least $50,000 in profit opportunities in 30 days or the work is free.
For most founder-led companies, the opportunities we find end up being far greater, but I guarantee at least $50k in the first 30 days.
Bob is a trusted, loyal, strategic partner CFO who helped us achieve our lofty growth and exit goals.
Denny W., CEO
FinTech company, Florida
The Problems
- Your business is growing, but finance hasn’t kept up.
- Reports come late, and the numbers don’t always line up.
- Cash feels unpredictable, and no one has a firm view of what’s ahead.
- Your accountant handles taxes, and your controller keeps the books, but no one is looking far enough forward.
- You’re wearing too many hats; finance has no owner
The Solution
- You need a Fractional CFO who helps you see what’s coming, not just what happened.
- I bring 30-years financial leadership experience without the full-time cost.
- Together, we’ll set up a clear view of cash, a working plan for growth, and a practical way to measure progress.
- Each quarter, we’ll also focus on one area to stop profit leaks and protect your margins.
In the first month, you’ll have:
- A clear list of your top profit leaks, each with estimated dollar impact
- A 30-day savings & margin opportunity report worth at least 2× my fee
- A simple cash and margin picture you can act on immediately
- A short weekly check-in to keep the work moving and decisions easy
The Core of Fractional CFO Leadership
Performance & Profitability
You’ll know where you’re making money and where you’re not.
We’ll focus on pricing, margins, and spending that actually support growth.
Cash & Capital Management
We map your upcoming cash needs and find ways to keep more flexibility, through pricing, terms, and working-capital discipline.
Banking & Insurance Guidance
You’ll get clear comparisons, better terms, and support choosing the right partners.
I make sure your banking, insurance, and financial vendors match the needs of your business.
Transaction & Growth Readiness
When a deal or raise is on the table, I help you prepare clean numbers and a clear story.
You’ll be ready to negotiate with your investors or buyers.
Quarterly Profit Focus
Each quarter, we focus on one area that’s costing you money or slowing growth, measure it, and fix it for good. That’s on top of the monthly financial leadership & planning activities.
Some examples include (could vary depending on your business):
Workers’ comp & safety costs
We identify the trends and loss drivers, deliver a loss-control plan and broker meeting pack for your next renewal.
Card processing & banking fees
We calculate your effective rate, identify the cause for high fees. You get a negotiation script to cut effective rate.
Inventory, WIP or fleet management
We analyze turns, shrink, dead stock; WIP aging for project/service orgs. Targets: raise turns, reduce stockouts/shrink, shorten WIP cycle.
Staff turnover and overtime costs
Turnover cost model, overtime/scheduling impact, comp vs productivity. Targets: reduce unwanted turnover cost, overtime creep.
Media spend efficiency in your ad campaigns
Spend / pipeline / revenue bridge with conservative attribution. Targets: lower CAC/payback, reallocate to proven channels.
Cross-sell and upsell opportunities
Attach-rate baseline by segment; simple offer & pricing guardrails. Targets: higher ARPC/expansion; protect gross margin.
You’ll get a simple action plan, measurable targets, and follow-up until it’s fixed.
Wondering if this could be for you?
After a quick call with Bob, you’ll know if it’s a good fit.
Book a 15-minute call with Bob
What CEOs Say…
Bob’s drive, dedication, and strategic thinking helped turn our financial performance around.
Eric S.CEO, Tech Startup, CO
Bob is a trusted, loyal, strategic partner CFO who helped us achieve our lofty growth and exit goals.
Denny W.CEO, FinTech, FL
Bob navigates complex business matters with skill, humility, and exceptional leadership.
Paul R.CEO, SaaS, OH
Bob transformed our finance team, improved processes, and earned us top IRS certifications.
Denny W.CEO, FinTech, FL
Bob is a high-level CFO with outstanding technical and motivational skills.
Paul R.CEO, SaaS, OH
Fractional CFO Plans
Choose the level of financial leadership your company needs today.
Each plan includes ongoing CFO guidance, structured reviews, and measurable progress.
You can start with a plan and upgrade or downgrade anytime.
CFO Foundation
Clarity and control for the CEO.
You’ll get:
- Monthly brief with trends and next steps
- 13-week cash review
- Driver-based forecast review
- One profit/cash fix per quarter
- Weekly CEO touchpoints
- Board-level services
Outcome: You stop reacting to numbers and start leading with them.
2× ROI Guarantee
CFO Leadership
Alignment and discipline across teams.
Everything in CFO Foundation, plus:
- Margin + pricing reviews with ownership
- Cost and spending framework
- Cash conversion improvements
- Monthly leadership reviews
- Quarterly target resets
- HR compensation review
Outcome: Teams move faster, margins strengthen, and decisions are grounded in real data.
2× ROI Guarantee
CFO Strategic Partner
Confidence with banks, investors, insurance agent, legal, compliance, CPA/auiditors and major decisions.
Everything in CFO Leadership, plus:
- Scenario planning for growth or capital
- Bank/investor-ready reporting
- Quarterly strategic reviews across functions
- Optional support for diligence or refinancing
Outcome: Clear forecasts, credible reporting, and confidence in every major decision.
Let’s take a clear look at where you stand.
We’ll talk through your goals, your challenges, and what steady financial leadership could do for your business.
What Typically Happens in the First 90 Days
Week 1-2
Review where you stand: cash, reporting, and key financial processes.
Week 3-6
Build a forward-looking strategic plan and put the first improvements in motion.
Week 7-12
Focus on the top profit or cash opportunity and set up a simple review rhythm.
After 90 days, you’ll have clear visibility, reliable reporting, and a repeatable process for better decisions.
What Clients Saw
EBITDA and Growth
- Reversed EBITDA losses 11x and delivered 30% revenue growth at a US based PEO.
- Drove 10x revenue and EBITDA growth at the National Foundation for Debt Management.
- Achieved 5x revenue growth at Ace Auto Parts.
M&A and Exits
Played a key role in 20+ M&A and exit events, including a million-dollar + seller-financed acquisition and two sales to strategic buyers backed by PE partners.
Financial Integrity
Kept SEC filings 100% on time with no restatements at Ace Auto Parts and 800 Travel (both NASDAQ-listed).
I can point you to the public filings.
Team and Systems
Hired five finance managers in two months, set simple best practices, and brought in a Sage consulting firm to clean eight portfolio books at a US based PEO.
.
What This Looks Like in Practice
Strategic planning and execution, risk management and loss control, FP&A and budgeting, accounting policies and procedures, cost control, cash-flow planning, M&A and due diligence, investor relations, governance and audits.
Focused on operational excellence and decision-ready numbers.
Why Bob Morgan
You may be taking free business advice from your insurance agent, your CPA, your banker, your attorney or your brother-in-law. They mean well, but it’s missing the full picture.
Because I’m not your banker or your insurance agent (aka I don’t have a conflict of interest), I’ll always look out for your best interest.
I’ve led finance in founder-led, PE-backed, and public-company settings for over two decades. I’m MBA and CPA trained, but what matters more is building teams that close the month on time, report what’s true, and support smart decisions.
When you work with me, you get numbers you trust, cash you can plan, and a finance function that helps you make bigger moves with confidence.
You may not need a full-time CFO. But you need CFO discipline.
Your future deserves a Fractional CFO.
FAQs
What exactly does a fractional CFO do?
Owns the finance engine (reporting, cash, forecasting, and value levers) on a part-time basis. I lead the work, set the cadence, and make sure decisions rest on numbers everyone trusts.
How quickly will we see an impact?
In the first two weeks, you’ll feel the difference: a clean monthly package and a cash view you can act on. By 90 days, the finance rhythm is steady and the top profit levers are moving.
We already have a controller and an outside CPA. How do you fit?
Your controller keeps the books current and the CPA handles tax. I lead the function: closing on time, turning data into decisions, and aligning finance with sales, ops, IT, HR, legal and the CEO.
Do you work on-site or remote?
Mostly remote to keep the costs down, but I’m flexible and travel for key working sessions when it speeds outcomes. Day-to-day, we keep a tight weekly rhythm the team can rely on.
Which industries do you understand best?
B2B and tech-enabled services, B2C, B2B SaaS, Software development, wholesale/retail, call center (IB, OB), construction PEO and HR services, distribution, hospitality and travel, media, MSP/IT, and recurring-revenue businesses. The common thread is operational complexity that needs financial clarity.
Can you help with M&A or funding?
Yes, quality-of-earnings prep, data rooms, models, banker packages, advisory services, negotiations, LOI prep, legal management and integration planning. The goal is to arrive prepared and exit with no surprises.
What will this look like for my team?
Clear owners, simple checklists, and a steady cadence. We’ll fix the few things that slow down everything else, then lock in the habits that keep it clean.
I don’t replace your CPA for tax filings or your bookkeeper for transaction entry. I lead the finance engine and make those partners more effective.
Let’s Talk
If you want cleaner numbers, predictable cashflow, and decisions you can stand on, let’s talk.