Fractional CFO
Senior financial leadership on a retainer, for owners making decisions about growth, hiring, pricing and financing.
- Budgets and forecasts
- 13-week cash flow model
- KPI dashboards
- Monthly Film Room review
- Lender and investor reporting
Clear numbers. Confident decisions.
CPA-led bookkeeping, tax and fractional CFO support for entrepreneurs and growing businesses.
The ScoreboardSample client, September
Revenue$186,420.00+6.8% vs budget
Net operating margin31.4%+2.1 pts
Operating cash$412,915.007.2 months of expenses
Days sales outstanding18.6+3.2 days
Monthly revenue, trailing 12 months$ thousands
Four services. One CPA who sees the whole picture.
Your books, your business return and your personal return all inform each other. Keeping them together means fewer surprises and better decisions.
Monthly bookkeeping and close
Reconciled books and monthly financial statements you can act on.
- Bank and card reconciliation
- P&L, balance sheet and cash flow
- AP, AR and payroll entries
Business tax
Year-round planning, so estimated payments track your actual results.
- Business returns
- Quarterly estimate projections
- Entity and S-corp election review
Individual tax returns
Returns for entrepreneurs and high-net-worth households, prepared alongside your business numbers.
- Federal and state returns, any state
- Planning around business income
- Estimated payment planning
Built for owners who wear every hat. Rooted in real estate and retail, fluent in the numbers behind any industry.
Any industry
A background in cost accounting means the numbers behind any business model make sense, not just the ones in our focus areas.
Small to mid-size
Experience guiding small and mid-size businesses through periods of rapid growth, from first hires to multiple entities.
Entrepreneurs and individuals
Serial entrepreneurs with several entities, and high-net-worth individuals who want their personal and business finances planned together.
Industries we serve
- Real estate
- Retail
- Cannabis
- Construction and contractors
- Manufacturing
- Professional services
- Restaurants and hospitality
- Medical and dental
From first call to first close.
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Day 1
Send an inquiry
Tell us what you need through the form below. We reply to set up a time.
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30 minutes
Free consultation
We learn about your business or tax situation and note what we need to scope the work.
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Within 2 business days
Receive a proposal
A written proposal with the recommended engagement, scope and fee.
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About 30 days after onboarding
Your first monthly close
Books set up and reconciled, with your first set of monthly statements delivered.
Sample reporting
See what lands in your inbox each month.
Month-end report, September
Sample clientSTATUS stage=review completed=4/5 blocked=none
| Line | September | Budget | Status |
|---|---|---|---|
| Revenue | $186,420.00 | $174,550.00 | reconciled |
| Cost of sales | $71,305.00 | $69,820.00 | reconciled |
| Operating expenses | $56,580.00 | $58,100.00 | reconciled |
| Net operating income | $58,535.00 | $46,630.00 | done |
[OK]Bank and credit card accounts reconciled
[WARN]3 receipts pending from the owner
Strategic insights that guide your next move
Gross margin61.7%
Current ratio2.4
Debt service coverage1.9x
Cash conversion cycle23 days
The Film Room review
Coaches study the film after every game. Each month we review the tape with you: what drove performance, where you stand against your growth plan, and the plays that keep you on track to hit your goals.
All figures are examples for illustration only.
Meet Marionel Garcia, CPA.
Marionel started his career in PwC's Boston tax practice, advising high-net-worth individuals, partnerships and real estate clients. He went on to serve as Chief Financial Officer of a multi-state, multi-entity company through 438% revenue growth, leading acquisitions, system integrations and the finance team behind them. Across multiple companies he has led digital transformation initiatives, implementing ERP systems and building the reporting and data analytics leadership relies on to make decisions.
He founded MG Financial Services to bring that same level of financial leadership to owners and families. Working together, you get:
- Connected systems. Integrations and implementations that bring your most important business data together, so you see it when you need it.
- Strategic tax planning. Proactive planning throughout the year to minimize your tax burden, not just a return filed in April.
- Streamlined, organized finances. Clean processes and records that save you time and hold up when it matters.
- Financing readiness. Lender-ready financials and projections to secure the capital that keeps your business growing organically.
LicenseMassachusetts CPA
EducationMBA, Assumption College
Executive educationHarvard Business School, Succeeding as a Strategic CFO
Based inSalem, New Hampshire
Primary regionsNew England, New York and California
Tax returnsPrepared for any state
MeetingsRemote first, in person on request
FirmEST 2024
The Drive. Three retainers, one game plan.
Monthly accounting and fractional CFO support in three tiers. Each one moves your business further down the field.
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Tier 1
First Down
Your CoordinatorA Coordinator runs the plays. Your books are kept clean, current and closed every month, so you always know the score.
- Monthly bookkeeping and close
- Monthly financial statements
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Tier 2
Red Zone
Your Head CoachA Head Coach builds the game plan. Everything in First Down, plus planning and a monthly review of the results with you.
- Budget against actuals
- Tax planning through the year
- Monthly Film Room review
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Tier 3
End Zone
Your General ManagerA General Manager builds the franchise. Everything in Red Zone, plus full fractional CFO leadership for owners building to scale.
- Forecasting and 13-week cash flow
- KPI dashboards
- Lender and investor reporting
Every retainer starts with a free 30-minute consultation. We recommend the right tier and send a written proposal.
Request a consultationTax preparation, priced up front.
Starting prices for common returns, with state returns included. Your final fee is confirmed in your proposal after the free consultation.
Individuals
- Individual return Form 1040
- from $400
- With business income Schedule C
- from $600
- With rental properties Schedule E
- from $550
- High-net-worth or complex K-1s, investments
- from $900
Businesses and organizations
- Partnership Form 1065
- from $750
- S corporation Form 1120-S
- from $850
- C corporation Form 1120
- from $1,000
- Trust or estate Form 1041
- from $800
- Nonprofit Form 990-N / 990-EZ / 990
- from $300 / $750 / $1,250
Bundle
Request a consultation
The Two-Way Player
Your business return and your personal return, prepared together by the same CPA. Save 10% on the combined price.
Start with a free consultation.
Send an inquiry and we will reply to arrange a time for your 30-minute consultation.
- Phone
- (603) 458-8664
- Hours
- Monday to Friday, 8 am to 5 pm ET
- Meetings
- Remote, or in person on request