You've built something real. Now let's put a part-time executive behind the numbers.
Established businesses don't need more bookkeeping. They need someone in the room when decisions get made a strategic partner who understands the finances, the market, and where the next dollar should go. That's the fractional CFO seat.
A full-time CFO is $200K+. Most established small businesses need one, but not full time.
Fractional CFO is the answer: executive-level financial leadership on the cadence your business actually needs. A regular seat at the strategy table, without a full-time hire.
Monthly financial dashboards
The numbers that actually run the business, on one page, on time, every month.
13-week rolling cash forecasts
Know what's coming, what's going out, and when to make the call.
Budget vs. actuals reviews
Quarterly strategy sessions comparing plan to reality with clear next steps.
Pricing & profitability analysis
Which products, jobs, or clients actually pay. Which quietly don't.
Scenario modeling
New hire, new location, new line of business see the numbers before you commit.
Lender, investor & grant packages
Historicals, forecasts, and supporting schedules formatted for the room they're going into.
Keep your CPA. Or keep it under my umbrella.
ZP Accounting is not a CPA firm, and I do not pretend otherwise. My role is to keep your books clean, your reporting useful, and your financial decisions organized throughout the year. When tax planning or filing support is needed, I coordinate the process so your books, advisory work, and tax preparation are not operating in separate silos.
Love your current CPA? Perfect. I prepare clean, tax-ready workpapers and coordinate directly with them so they have what they need and you do not have to switch anything.
Want it handled through my network? I can keep the process under the ZP Accounting umbrella and coordinate with a trusted CPA partner who fits your business, industry, and tax needs. You still have one advisory relationship guiding the financial side, with licensed tax support brought in where appropriate.
Big-company financial discipline, sized for small business.
Zachary's background is in executive-level corporate accounting, including month-end close, multi-entity consolidations, budgeting cycles, forecasting, and financial reporting. That experience is the foundation ZP Accounting brings to small businesses: structured financial oversight, practical reporting, and clearer decision-making without the cost of a full-time CFO.
Credentials matter, but the work is what counts. Zachary holds an MBA from Texas A&M University-Corpus Christi and a Bachelor's in Accounting from California University of Pennsylvania, both earned Summa Cum Laude. He is also a Certified Public Bookkeeper and QuickBooks ProAdvisor.
The goal is simple: bring the rigor of a larger finance function to business owners who need better numbers, cleaner systems, and a clearer view of what to do next.
Bookkeeping doesn't disappear at this stage. It just runs quietly.
Fractional CFO engagements ride on top of clean books. Whether I run them myself or oversee an internal bookkeeper, the underlying financials stay accurate, reconciled, and CPA-ready. The advisory work is only as strong as the numbers behind it.
- ✦Monthly close on a set date
- ✦Full reconciliations, every account
- ✦Departmental / class reporting
- ✦AR, AP, and payroll oversight
- ✦Multi-entity consolidations
- ✦Year-end handoff, done right
What the first 90 days actually look like.
- 01
Discovery call
Free 30 minutes. Where the business is, where you want it, and whether a fractional CFO cadence fits.
- 02
Financial diagnostic
I review the books, close process, reporting, and cash cycle — you get a written assessment either way.
- 03
Cadence built
Monthly dashboards, quarterly reviews, and CPA coordination locked into a rhythm that matches your business.
- 04
Seat at the table
Recurring strategy sessions, scenario models when decisions come up, and clean numbers behind every one.
What established owners ask before hiring a fractional CFO.
Let's talk about what a CFO seat looks like inside your business.
An initial call is free. I'll walk through where the business is, where you want it in 24 months, and what a fractional CFO cadence would actually deliver on that path.
Book a call →