Stuart Wilson, ACMA CGMA Fractional CFO & Controller · AICPA Member
A full-time CFO in Manhattan costs $350K–$500K before benefits. For $2M–$30M companies in finance, media, SaaS, and professional services, that math doesn't work. A fractional CFO gives you the same deliverables — management accounts, cash-flow forecasts, investor reporting, and multi-state tax oversight — at a fraction of the cost. By a CGMA with 24 years in professional finance.
No contracts · Cancel anytime · From $3,995/mo
New York's cost of living makes full-time CFO hires prohibitively expensive for mid-market companies. A fractional CFO delivers the same monthly output — management accounts, KPI dashboards, 13-week cash forecasts, and board packs — at roughly 15–20% of the fully-loaded cost. The ROI is immediate and measurable.
NYC's financial services, law firms, and consulting practices demand the highest reporting standards. Fund-level accounting, matter-level profitability, utilization tracking, and partnership distribution modelling are non-negotiable for NYC professional services firms competing for institutional clients.
NYC's SaaS and digital media ecosystem generates complex revenue streams — subscription billing, ad-revenue recognition, content-licensing fees, and multi-element contracts. ASC 606 compliance, deferred revenue waterfalls, and investor-ready ARR/MRR reporting require finance leadership, not just bookkeeping.
NYC businesses face federal tax, New York State income tax (up to 10.9%), NYC personal income tax (up to 3.876%), the Metropolitan Commuter Transportation Mobility Tax, and the Unincorporated Business Tax (4%). This triple-layer structure requires proactive planning — not year-end surprises. We model your total tax exposure quarterly.
Everything a full-time CFO delivers — without the $350K salary.
Full P&L, balance sheet, cash flow statement. US GAAP-compliant. Board-ready with variance commentary.
Revenue, gross margin, AR days, utilization rates, and industry-specific metrics — updated live.
Rolling weekly cash forecast with scenario modelling. Critical for managing NYC's high-overhead environment.
Monthly board packs, investor updates, and data-room preparation. Built for diligence, not just compliance.
45-minute call to review the numbers, flag risks, and discuss growth opportunities.
NYC/NYS tax compliance, UBT calculations, multi-state nexus monitoring, and working papers for your CPA.
Fund-level accounting, partnership distributions, management-fee calculations, and investor reporting for NYC's financial services sector.
Ad-revenue recognition, content-licensing accounting, multi-element contracts, and client-level P&L for digital and traditional media companies.
ARR/MRR tracking, ASC 606 revenue recognition, investor reporting, and board-pack preparation for NYC's tech ecosystem.
Matter-level profitability, IOLTA trust accounting, partner compensation modelling, and utilization tracking.
Your CPA files taxes once a year. A fractional CFO delivers management accounts monthly, produces 13-week cash forecasts, builds KPI dashboards, prepares board packs, and provides strategic financial guidance — the same deliverables a $350K in-house CFO would produce. We complement your CPA; we don't replace them.
Yes. We track UBT obligations (4% on net income for unincorporated businesses), estimate quarterly payments, and prepare working papers for your CPA. We also handle the Metropolitan Commuter Transportation Mobility Tax and coordinate NYS/NYC filing requirements.
Absolutely. We map performance obligations for multi-element contracts, build deferred revenue waterfalls, and handle ad-revenue recognition, content-licensing fees, and subscription billing — all in compliance with ASC 606. Your audit trail is clean from day one.
Most NYC engagements are fully onboarded within 2 weeks. We connect to your accounting platform on day one and deliver your first management pack by the end of week two.
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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