Stuart Wilson, ACMA CGMA Fractional CFO & Controller · AICPA Member
Columbus is Ohio's fastest-growing metro — the insurance capital of the Midwest, a rising tech hub, home to major healthcare systems, and the retail testing ground for some of America's biggest brands. But the Ohio Commercial Activity Tax, municipal income tax layering, and the financial complexity of insurance and healthcare operations require CFO-level oversight. Management accounts by the 5th — by a CGMA with 24 years in professional finance.
No contracts · Cancel anytime · From $3,995/mo
Columbus is home to Nationwide, State Auto, and dozens of insurance companies. Insurance accounting — loss-reserve calculations, premium-recognition timing, reinsurance recoverables, and statutory-basis reporting — is a specialized discipline that generic bookkeepers can't touch. Mid-market insurance operations and MGAs need a fractional CFO who understands the difference between GAAP and statutory accounting.
OhioHealth, Nationwide Children's, and a growing network of specialty practices create a healthcare ecosystem that requires multi-provider P&L, insurance reimbursement tracking, and practice-level profitability analysis. Revenue-cycle management in healthcare is fundamentally different from standard commercial accounting.
Columbus's tech scene — CoverMyMeds, Root Insurance, Olive AI — has put the city on the map for venture-backed growth companies. These companies need ARR/MRR dashboards, ASC 606 revenue recognition, and investor-ready board packs. A fractional CFO builds this infrastructure at a fraction of a full-time hire.
Ohio replaced its corporate income tax with the Commercial Activity Tax (CAT) — a 0.26% gross-receipts tax on businesses with Ohio taxable gross receipts over $1M. Combined with municipal income taxes (Columbus levies 2.5%), the pass-through entity tax election, and multi-state nexus obligations, the compliance landscape is unique. We model your total Ohio tax exposure quarterly.
Everything a full-time CFO delivers — without the $225K salary.
Full P&L, balance sheet, cash flow statement. US GAAP-compliant. Board-ready with variance commentary.
Revenue, gross margin, AR days, cash runway, loss ratios, and industry-specific metrics — updated live.
Rolling weekly cash forecast with scenario modelling. Essential for managing insurance cash flows and tech burn rates.
Monthly variance analysis by department, product line, or business unit.
45-minute call to review the numbers, flag risks, and discuss growth opportunities.
CAT compliance, municipal income-tax tracking, PTE election coordination, and multi-state nexus monitoring.
Loss-reserve tracking, premium recognition, reinsurance accounting, and statutory/GAAP reporting for Columbus's insurance sector.
Multi-provider P&L, insurance reimbursement tracking, practice-level profitability, and revenue-cycle management.
ARR/MRR tracking, ASC 606 revenue recognition, investor reporting, and board-pack preparation for Columbus's growing tech ecosystem.
Multi-location P&L, inventory valuation, seasonal cash-flow management, and unit-economics reporting for Columbus-based retailers.
The CAT is a 0.26% tax on Ohio taxable gross receipts exceeding $1M annually. Unlike income taxes, it's based on revenue, not profit — which means even unprofitable businesses owe CAT. We track your Ohio gross receipts quarterly, calculate estimated payments, and coordinate with your CPA on the annual return. For businesses with $150K–$1M in receipts, a flat $150 minimum tax applies.
Yes. We understand the differences between GAAP and statutory-basis accounting (SAP) for insurance companies. We track loss reserves, unearned premiums, reinsurance recoverables, and policyholder surplus. For MGAs and program administrators, we also handle commission-income recognition and fronting-carrier reconciliation.
Columbus's 2.5% municipal income tax applies to all earned income and net profits of businesses within city limits. Ohio allows a partial credit for taxes paid to other municipalities, but the interaction between city-level taxes, the state CAT, and the PTE election requires careful modelling. We track your total tax burden across all layers and identify optimization opportunities quarterly.
Most Columbus 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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