Stuart Wilson, ACMA CGMA Fractional CFO & Controller · AICPA Member
Massachusetts's 5% flat income tax plus the new 4% millionaire surtax on income over $1M dramatically changes the math for high-earning business owners. Home to the world's premier biotech cluster, top financial institutions, and Route 128's tech corridor, Massachusetts demands financial leadership at the highest level. BlackpeakCFO delivers it, led by a CGMA with 24 years in professional finance.
No contracts · Cancel anytime · From $3,995/mo
Massachusetts's 4% surtax on income over $1M effectively creates a 9% top rate — one of the highest in the nation. We develop income-timing strategies, entity structuring, and distribution planning to manage this surcharge for high-earning owners.
Cambridge and Boston host the world's densest concentration of biotech companies. We provide R&D capitalization, milestone-based budgeting, clinical-trial cost tracking, and fundraising financial support.
Boston's financial sector spans asset management, insurance, and fintech. We deliver regulatory financial reporting, fund accounting oversight, and SOX compliance support.
MIT, Harvard, and dozens of research institutions drive innovation. We support university spinouts and research-based startups with SBIR/STTR financial management and technology-transfer financial planning.
Everything a full-time CFO delivers — without the $250K salary.
Full P&L, balance sheet, cash flow statement. US GAAP-compliant. Board-ready with variance commentary — not a raw trial balance.
Revenue, gross margin, AR days, AP days, cash runway, burn rate. Updated live. Know where you stand before month-end.
Rolling weekly cash forecast with scenario modelling. The document lenders and investors ask for — always current.
We manage Massachusetts's income tax compliance including the new millionaire surtax, corporate excise tax, and financial strategy for biotech, tech, and financial services companies.
45-minute call to review the numbers, flag risks, discuss opportunities. Like having a CFO in the room without the full-time overhead.
Monthly variance analysis so you know exactly where you're over or under plan — before it becomes a problem.
No contracts. No hidden fees. Cancel with 30 days' notice.
Monthly management accounts, bank reconciliation, compliance tracking
Full strategic CFO — for businesses scaling past $5M
Multi-entity, M&A-ready, investor reporting
Massachusetts corporate excise tax, calculated as the greater of a net income measure (8% on taxable net income) or a property measure, plus a minimum $456 excise.
Massachusetts's 6.25% sales tax compliance, including software-as-a-service taxability analysis and exemption management.
Strategic planning for the 4% surtax on individual income over $1M, including income timing and entity-structure optimization.
State income tax withholding at the flat rate, PFML contributions, and quarterly filing reconciliation.
Filing the Massachusetts annual report with the Secretary of the Commonwealth to maintain corporate good standing.
Cambridge's Kendall Square is the global epicenter of biotech. We manage R&D capitalization, grant compliance, clinical-trial budgeting, and Series A-through-IPO financial planning.
Boston's financial sector — Fidelity, State Street, Wellington — demands sophisticated fund accounting, regulatory reporting, and compliance financial management.
Route 128 and Boston's tech scene spans AI, cybersecurity, and robotics. We provide growth-stage financial leadership, fundraising support, and investor-ready reporting.
Harvard, MIT, and dozens of institutions drive research commercialization. We manage spinout financials, SBIR/STTR grant compliance, and IP monetization strategy.
Mass General Brigham, Beth Israel, and other world-class systems require precise revenue-cycle management and research-grant financial oversight.
Boston's constrained market and historic-preservation requirements create unique development challenges. We manage project financials and historic tax credit compliance.
The 4% surtax on income over $1M effectively creates a 9% top rate for high-earning business owners. This changes the calculus on compensation structure, distribution timing, and entity elections. We develop comprehensive strategies to manage this exposure while remaining fully compliant.
Absolutely — and we work alongside your CPA rather than replacing them. Your CPA handles tax preparation and filing, while we provide strategic financial leadership, forecasting, and day-to-day financial oversight. Most clients find this combination delivers both compliance accuracy and forward-looking financial strategy.
We manage R&D cost capitalization under ASC 730, clinical-trial budget tracking, milestone-based financial planning, grant compliance, and fundraising-round financial preparation from seed through IPO. Our models are calibrated to the biotech development lifecycle.
Businesses generating $1M–$30M in revenue benefit most. You need strategic financial leadership but may not justify a full-time CFO at $300K+. Our fractional model delivers that expertise.
Most engagements begin within two weeks of signing. We use a structured onboarding process to get up to speed on your financials, systems, and goals so we can deliver value from day one.
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30-minute discovery call. We'll review your current setup, identify gaps, and show you exactly what your management accounts should look like. No pitch — just proof.
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