- Multi-year financial roadmap aligned with your strategic plan
- Scenario-based revenue, margin, and cash flow projections
- Regular forecast-to-actual reviews to refine assumptions
Fractional CFO Services
Partner with a fractional, outsourced, or virtual CFO from WhippleWood CPAs to strengthen cash flow, forecasting, and financial strategy while keeping overhead in check.
The Reality of Managing Finances Without a CFO
Many owners grow their business without a CFO, but as revenue and complexity increase, the lack of senior financial leadership can hold you back. Common warning signs:
Cash flow uncertainty & poor forecasting
Cash feels tight even when sales are strong. There is no rolling cash flow forecast to anticipate gaps or fund growth.
Missed Capital & Financing Opportunities
Bank and investor conversations rely on basic reports instead of robust financial models, so your numbers don’t clearly tell your business story.
Limited financial reporting & unclear KPIs
Financial reporting is backward-looking and hard to interpret. You lack clear, consistent metrics to monitor profitability, runway, and debt capacity.
Relying on Bookkeepers for CFO-Level Strategy
Bookkeepers and controllers keep records accurate, but they aren’t responsible for strategic financial planning, capital strategy, or “what if?” analysis.scenario analysis.
How WhippleWood CPAs Makes the Difference
We bring CFO-level insight so you can lead with confidence. Our approach combines strategic financial planning with flexible, fractional support.
Right-Sized Support
Support scaled to your size, systems, team.
Proactive Guidance
We flag trends early so decisions improve.
Tech-Driven Reporting
Cloud tools automate work and accelerate close.
Local Denver Roots
We document, train, and strengthen your team.
Awards & Recognition
Comprehensive Fractional CFO & Outsourced CFO Services
From Reactive to Strategic Finance
Our fractional CFO sprint gives you structure, insight, and partner-level visibility in clear phases.
DISCOVERY & DIAGNOSTIC
We review your financials, cash flow, systems, and goals to surface risks, quick wins, and the decisions that matter most.
ROADMAP & QUICK WINS
We build a practical financial roadmap, sharpen forecasts and KPIs, and implement early cash flow and profitability improvements.
FRACTIONAL CFO PARTNERSHIP
We serve as your ongoing part-time CFO, updating forecasts, reviewing results, and guiding major financial and strategic decisions.
Meet Your Fractional CFO Team
WhippleWood’s fractional CFO team is led by experienced financial professionals with backgrounds in public accounting, corporate finance, and executive leadership.
Rick Whipple
CEO, CPA
Co-founded WhippleWood CPAs in 1981 with over 40 years of experience. Passionate advocate for small businesses and nonprofits.
CPA License: CO #5486 · Masters in Tax Law, University of Denver
Randall Joens
Director, Client Accounting Services
Director of Client Advisory Services. Improves accounting, efficiency, and compliance; turns complex numbers into clear insight.
CPA License: CO #0032327 · BS Accounting & BA Economics, CSU
Mitch Clark
Partner, Tax Services
Entrepreneurial CPA who joined in 2012. Focuses on communicating complex tax and business issues clearly to clients.
CPA License: CO #9035367 · BS Accounting & Finance, Indiana University
Common Questions About Fractional CFO Services
A fractional CFO is an experienced chief financial officer who works with multiple companies on a part-time, contract, or project basis.
They provide the same type of strategic financial leadership as a full-time CFO but only for a “fraction” of the time and cost.
Depending on your needs, a fractional CFO may oversee forecasting and budgeting, cash flow management, financial reporting, fundraising support, and finance-team leadership.
They help turn data into decisions, ensure you have the right information for the board and lenders, and support the CEO in evaluating strategic options.
Businesses often add a fractional or virtual CFO when financial complexity outgrows basic bookkeeping—typically as revenue scales, when external capital is needed, or when leadership wants more forward-looking insight without committing to a full-time CFO.
External data shows many fractional CFO firms charge monthly retainers or hourly packages, often in the mid-four- to low-five-figure range per month, depending on scope, size, and industry. Full-time CFOs, by contrast, typically command six-figure salaries plus benefits and bonuses.
WhippleWood will work with you to design a right-sized engagement and will discuss pricing transparently during your consultation.
An outsourced accountant or controller focuses on accurate records, reconciliations, and historical reporting.
A fractional CFO focuses on financial strategy, forecasting, capital structure, and advising leadership on major decisions.
Many clients use both: bookkeeping or controllership to keep the numbers accurate, and a fractional CFO to chart the course.
Yes. Many virtual CFO services are delivered entirely online using secure cloud accounting systems, video calls, and shared dashboards.
This allows growing companies to access top-tier CFO talent regardless of location.
Ready to Talk to a Fractional CFO?
If you’re ready to move from reactive reporting to proactive strategy, our fractional CFO services can help you gain clarity, protect cash flow, and make confident financial decisions.
Questions? info@whipplewoodcpas.com | 303-989-7600
