Fractional CFO Services for Family-Owned and Small Businesses

Get strategic CFO-level guidance without the full-time cost. We help family-owned businesses and small to medium companies across the United States make better financial decisions and achieve sustainable growth.

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What is a Fractional CFO?

A fractional CFO provides part-time, executive-level financial leadership for businesses that need strategic guidance but aren't ready for a full-time Chief Financial Officer.

Why Family Businesses Choose Fractional CFOs

  • Access to senior-level financial expertise at a fraction of the cost
  • Flexible engagement—scale services up or down as your business evolves
  • Outside perspective without family politics or emotional attachment
  • Experience across multiple businesses and industries
  • Strategic guidance for succession planning and generational transitions

Our Background

Backed by 17+ years of private equity experience, we bring institutional-grade financial practices to growing family businesses and small companies.

We understand the unique dynamics of family-owned businesses—balancing family relationships, maintaining values, and making objective financial decisions for long-term success.

While we prefer to work with our clients in-person at their offices, we can deliver CFO services that still offer a high-touch, personalized support virtually.

Strategic CFO Services for Growing Businesses

Financial Strategy & Planning

Long-term financial planning, capital allocation strategy, and scenario modeling for major business decisions.

Growth Planning

Revenue forecasting, expansion analysis, and financial modeling to support sustainable growth.

Profitability Analysis

Deep-dive analysis of margins by product, customer, and channel to identify the most profitable opportunities.

Cash Flow Management

Cash flow forecasting, working capital optimization, and strategies to improve liquidity.

Fundraising & Financing

Support for raising capital—whether debt, equity, or alternative financing. Prepare investor-ready materials.

Exit & Succession Planning

Financial preparation for potential sale, transfer to next generation, or other exit scenarios.

Who Benefits from Fractional CFO Services?

  • Family-owned businesses navigating generational transitions or succession planning
  • Small to medium-sized companies ($2M-$50M revenue) ready to scale
  • Businesses preparing for fundraising, acquisition, or exit
  • Companies facing complex financial decisions (new markets, product lines, major investments)
  • Growing businesses that need CFO-level expertise but can't justify full-time salary
  • Organizations looking for an objective financial voice without family politics

How Fractional CFO Engagements Work

01

Discovery & Assessment

Free consultation to understand your business, challenges, and financial goals. We assess where you are and where you want to go.

02

Customized Engagement

We propose a tailored engagement—whether monthly retainer, quarterly strategic sessions, or project-based work.

03

Ongoing Partnership

Regular strategic meetings, financial analysis, and on-demand support. Scale services as your needs evolve.

Why Family Businesses Choose Us

Private Equity Discipline

We bring the financial rigor and analytical frameworks used in private equity to family businesses—without the corporate bureaucracy. You get Fortune 500 practices adapted for your reality.

Family Business Expertise

We understand family dynamics, emotional attachments, and the importance of legacy. Our advice respects your values while providing objective financial guidance.

Virtual & Flexible

Serving businesses nationwide through virtual meetings, with in-person options for those in the New Jersey area. Flexible engagements that fit your schedule and budget.

Practical, Not Academic

We focus on actionable insights and practical solutions. No jargon, no theoretical frameworks—just clear guidance that helps you make better decisions and achieve your goals.

Frequently Asked Questions

What is a fractional CFO?

A fractional CFO is a part-time Chief Financial Officer who provides executive-level financial leadership to businesses that need strategic guidance but aren't ready for a full-time CFO. They work on a flexible basis, typically a few hours per week or month, providing services like financial planning, cash flow management, and strategic advisory.

How much does a fractional CFO cost?

Fractional CFO costs vary based on your business needs and complexity, but typically range from $2,000-$10,000 per month. This is significantly less than hiring a full-time CFO (which can cost $200,000+ annually with benefits), while still providing access to senior-level financial expertise.

Is a fractional CFO right for family-owned businesses?

Yes, fractional CFOs are ideal for family-owned businesses. They provide objective, outside perspective without family politics, help with succession planning, and bring institutional-grade financial practices to growing family companies. They can scale services up or down as the business evolves.

Do you work with businesses outside New Jersey?

Yes, we serve clients nationwide through virtual CFO services. While we're based in Denville, New Jersey, and prefer in-person work when possible, we provide high-touch, personalized fractional CFO services to family-owned businesses and small companies across the United States.

What makes Water Off a Goose different from other fractional CFO services?

We bring 17+ years of private equity experience to family-owned and small businesses. Our background includes Fortune 500 supply chain management and PE acquisitions, which means we apply institutional-grade financial practices tailored to the unique needs of family businesses and growing companies.

Ready for Strategic CFO Guidance?

Schedule a free consultation to discuss your business goals and see how fractional CFO services can help you achieve them.