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Fractional CFO & Business Advisory Services for Growth-Minded Companies
Your vision. Our financial framework. One strategic partnership.
As a business owner, you know what you want to achieve—growth, profitability, perhaps an eventual sale or leadership transition. But do you have the financial roadmap to get you there? At Gregory Monaco, CPA LLC, we serve as your fractional CFO and advisory partner, equipping you with the insights, tools, and strategic discipline you need to steer your business to the next level.
Whether you’re located in Livingston, Essex County, Morris County, anywhere in New Jersey, or operating virtually nationwide, we bring CFO-level thinking at a fraction of the cost. From building budgets and forecasts to defining KPIs and modeling scenarios, we help you turn your numbers into informed decisions.
Why Upgrade to a Fractional CFO Model?
You may be wondering, “Why add a CFO now?” Here are the clear advantages:
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C-Suite Strategy — Without Full-Time Cost: Hiring a full-time CFO can cost $200k+ in salary and benefits. With us, you gain that level of expertise for a fraction of the investment.
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Data-Driven Decisions: We don’t just produce reports. We help you interpret them and act on them. Our dashboards and models give you actionable insights—no guesswork.
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Plan for Growth, Funding or Exit: Looking to scale, secure funding, or prepare for an exit? We help build the runway, structure your financials, and meet investor or acquirer expectations.
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Align Finance with Operations: Finance isn’t a back-office activity—it’s a growth engine. We bridge your operations, pricing, margin, cash flow, and tax strategy so they all work toward your goals.
Common Outcomes Our Clients Achieve
When you partner with us, expect results like:
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A budget versus actuals report that tracks performance and keeps you accountable.
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Cash-flow forecasting that keeps your business ahead of shortfalls or opportunities.
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A custom KPI dashboard that gives weekly or monthly “health checks” at a glance.
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Strategic input on hiring, expansion, capital investment, or scaling operations.
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Review of your entity structure, such as an S-Corp election or bonus-distribution strategy, with tax impact modelling.
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Enhanced pricing or margin-analysis to improve profitability rather than simply cutting costs.
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Regular check-ins and scenario modelling so you’re never caught off guard by market changes or internal shifts.
Our Advisory Workflow —
Clear, Structured, Collaborative
1. Baseline Diagnostic & Historical Review
We begin by reviewing your past financials, business model, pricing, and operations. We identify strengths, weaknesses, and hidden opportunities for improvement.
2. Budget & Forecast Model Building
Next, we build a forward-looking financial model that reflects your growth ambitions. We project revenue, expenses, and cash flow over 12 to 36 months—giving you insight into your runway and funding needs.
3. KPI Dashboard Creation & Tracking Setup
We establish the metrics that matter most for your business—whether it’s gross margin by product, customer-acquisition cost, employee productivity, or recurring revenue ratio. Then we set up dashboard tools so you monitor progress weekly or monthly.
4. Monthly or Bi-Monthly Review Meetings
At defined intervals, we meet to review performance, adjust projections, and address you-only issues. These touchpoints keep strategy aligned with execution.
5. Strategic Planning & Course Corrections
Business is dynamic. When you hit a fork in the road—investment decision, pricing change, staffing shift—we model the choices and steer the direction. You’ll always be operating from data, never intuition alone.
Who Benefits From Fractional CFO & Advisory?
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Growing small-to-mid businesses (revenues from ~$1M to $20M) that aren’t yet ready for a full-time CFO but want high-level financial strategy.
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Start-ups seeking investors or preparing for rapid scale and needing investor-ready financials.
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Established businesses planning leadership transition or exit and requiring robust financial discipline.
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Businesses seeking structural improvements — pricing optimization, margin enhancement, cash-flow control, or better alignment of operations and finance.
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Business owners seeking clarity and a financial partner who speaks CFO language but communicates in plain English.
Advisory Services at a Glance
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Budget & Forecasting - 12-36 month projections and cash-flow runway
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KPI Dashboard Setup - Custom dashboard that tracks the metrics that matter
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Entity Structure Review - Evaluate S-Corp elections, partnership changes, tax impact
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Margin & Pricing Analysis - Identify most profitable products/services and pricing
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Fundraising / Exit Prep - Financials ready for investor or acquirer review
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Ongoing Review Meetings - Scheduled check-ins, scenario planning, course correction
FAQS
Q: How often will we meet?
A: Our standard cadence is monthly or bi-monthly, depending on your plan and growth pace. Some clients prefer monthly check-ins; others only need strategic quarterly meetings. We’ll customize based on your needs.
Q: Can you help evaluate an S-Corp election or entity change?
A: Yes. Entity reviews and tax‐structural guidance are core parts of our advisory services. We’ll analyze your current structure, model alternatives, and present a clear recommendation with tax impact. This includes S-Corp vs. LLC vs. C-Corp considerations, where applicable.