The Fractional CFO for Owner-Operated Businesses
CHARLES MICHAEL GONZALEZ
The financial operator you need when you have a bookkeeper but no one turning the numbers into decisions. I make your books tell you the truth, on time.
CHARLES MICHAEL GONZALEZ
The Fractional CFO for Owner-Operated Businesses
The financial operator you need when you have a bookkeeper but no one turning the numbers into decisions. I make your books tell you the truth, on time.
15+ YEARS IN ACCOUNTING OPERATIONS · FORMER INTUIT · $200M PORTFOLIO MANAGED · 50 ENTITIES MANAGED · QBO & XERO CERTIFIED
The CMG Way: accounting built for decisions, not just records.
Most owners have someone recording the numbers. Almost none have someone turning them into the next move. That is the seat I fill.
Fact-Based Decisions
Your history is data, not just a tax record. I turn what already happened into a forward-looking view of cash, margin, and runway, so your biggest calls are backed by numbers instead of a hunch.
Process-Oriented Systems
Reliable numbers come from a reliable process. I build a close and reporting rhythm that lands on time every month, so you are never waiting weeks to find out how the business actually did.
Books That Tell the Truth
Clean, accurate, audit-ready books delivered on schedule. When the numbers are right and they arrive on time, you stop second-guessing your own reports and start trusting them.
Meet Charles Michael Gonzalez
Charles Michael Gonzalez is a fractional CFO and accounting operator for owner-operated businesses. Over 15 years in accounting operations, he has turned messy books into clear decisions, including managing the accounting on a $200M recurring-revenue portfolio across 50 entities and cutting one company’s month-end close from four days to one. What he does is make your numbers usable, so you can run the business on facts instead of guesses. When the books are closed, you’ll usually find him investing or exploring somewhere new.
CFO and accounting services designed for growth.
Plug me in where it hurts most. Most owners start with one service and expand as the numbers start driving real decisions.
Fractional CFO & Strategic Planning
The financial partner in your corner every month. I translate your books into pricing, margin, and growth decisions and give you a CFO judgment without a CFO salary.
Outcome: You make your biggest decisions with confidence instead of a gut feeling.
Cash Flow Forecasting & Runway Modeling
Know what is coming before it hits your account. I build a forward-looking cash model so you can see your runway, time your big spends, and stop being surprised by payroll, taxes, or a slow month.
Outcome: You always know how much cash you have, and how much you will have next quarter.
Month-End Close Acceleration
Accurate books, closed in days instead of weeks. I rebuild your close so your financials are ready while the month is still fresh, not 60 days after the decisions were already made.
Outcome: You act on current numbers, not history.
Financial Clean-Up & Books Health Check
A messy chart of accounts and a backlog quietly cost you clarity. I clean up the books, fix the structure underneath them, and get you to numbers you can actually run on.
Outcome: Your books finally answer the questions you are asking them.
KPI Dashboards & Executive Reporting
The three or four numbers that actually run your business, in one clear view. I build owner-ready dashboards so margin, cash, and profitability are visible at a glance instead of buried in a spreadsheet.
Outcome: You see the health of the business in sixty seconds, any day of the month.
Systems, Software & QBO/Xero Integration
The right stack, set up the right way. I select, connect, and clean up QuickBooks Online, Xero, and the tools around them so your data flows automatically as you scale.
Outcome: Your financial systems keep up with the business instead of holding it back.
A bookkeeper keeps the score. A CFO helps you win the game.
A 1-Day Month-End Close
Most owners find out how last month went halfway through the next one. By then the decisions are already made. I rebuild your close so it lands in about a day instead of a week, the same discipline I used to cut a month-end close from four days to one. You get current numbers while they still matter.
Eliminating the Financial Guesswork
“I think that job was profitable.” “We should have enough cash.” Guesses are expensive. I give you real margins, real cash flow visibility, and unit economics you can trust, so you stop making six-figure decisions on a feeling and start making them on facts.
Corporate-Grade Expertise Without the Full-Time CFO Cost
A full-time CFO is a $200K-plus hire most owner-operated businesses cannot justify. You get the same rigor at a fraction of the cost. Fifteen years in accounting operations, time inside Intuit, and a $200M portfolio managed across 50 entities, pointed directly at your business, only for the hours you actually need.
A Strategic Roadmap for What Is Next
Financing, a big hire, a new location, or an eventual exit all live or die on the numbers behind them. I build the forecasts, models, and clean financials that make you fundable, scalable, and ready, so growth does not outrun your books.
Getting started is simple.
Book Your Free Health Check
A focused 30-minute review of how your books are set up today and where that setup is holding you back.
Get Your Custom Financial Roadmap
A clear read on the gaps in your numbers, plus two to three specific moves to get you to decision-ready financials faster. No cookie-cutter package.
Run Your Business on Facts
I run the accounting and the CFO work. You make your calls on accurate books and strategic guidance, not guesswork.
See what your books are really telling you
Book a free Business Books Health Check. In about 30 minutes I’ll show you how your books are set up, where they’re costing you clarity, and the two or three moves that would turn them into numbers you can actually run on. No pitch, no obligation.
What changes when someone finally reads the numbers.
“Charles is, without a doubt, one of the best accountants I have had the opportunity to work with. His expertise, professionalism, and dedication consistently stood out, and his ability to analyze complex financial situations and implement effective solutions is truly exceptional.”
Sheila Hosseini, B.S., M.S.
Satisfaction Guaranteed
I stand behind my work. Start with a free Books Health Check at zero obligation, and if we work together and you are not satisfied with the value, I will make it right. No long-term contracts, no pressure.
Ready to turn your books into better decisions?
Book a free 30-minute Business Books Health Check. No pitch, no obligation, just a clear read on your books and your next move.
Life Beyond the Books
Looking for life beyond the spreadsheet?
Stay Informed with Charles
Practical notes on turning your books into better decisions, with the occasional story from life beyond the spreadsheet. Infrequent, and easy to unsubscribe from.