Answers arrive too late.
The books close after the decisions have already been made.
Finance that keeps pace with your business
Know what comes next.
Connected data, reliable forecasts, unit economics, and senior financial guidance from one accountable team.
Takes about a minuteGoes directly to JohnNo obligation
Accurate
Forward-looking
Operator-minded
Cash visibility
18 months
Base forecast
Unit economics
Visible
Drivers reconciled
Cash outlook
Forecast
Now+3 mo+6 mo
Decision signalHiring plan supported by base case
Best for founder-led companies whose growth, hiring, pricing, or cash decisions have become too complex for monthly reporting alone.
Connected DataIntegrated ModelUnit EconomicsFractional CFO
The inflection point
Your business has outgrown backward-looking finance.
A monthly report can explain what happened. You also need a dependable view of what comes next.
The plan is disconnected.
Cash, hiring, and growth assumptions live in separate spreadsheets.
The founder or CEO connects everything.
Too much financial context exists only in one person's head.
Client perspective
What gets better when finance works as one team.
“The tax guy liked what you’re doing.”
“I tout this internally all the time—we got rid of our very expensive finance and accounting team, and everything got better and faster.”
One connected team
From accurate books to better decisions.
You get one finance team with three layers: accounting keeps the books current, controller oversight makes reporting dependable, and fractional CFO leadership turns the numbers into decisions. When the underlying data is fragmented, we connect the systems beneath it.
01
Foundation
Accounting
Accurate books, a disciplined close, AP/AR coordination, and monthly reporting your team can trust.
Discuss your needs ↗02
Control
Controller
Oversight, controls, cash visibility, and reporting quality that make the finance function dependable.
Discuss your needs ↗03
Direction
Fractional CFO
Forecasting, KPI design, scenario planning, capital strategy, and senior guidance for important decisions.
Discuss your needs ↗Our Systems
Three systems. One accountable finance function.
We build and operate the CFO, accounting, and data systems together—so each decision rests on current data, dependable financials, and a forward view.
CFO System
Turn financial truth into better decisions.
The CFO System connects the plan, the economics, and the weekly operating conversation.
01Integrated modelP&L, balance sheet, cash, and operating drivers
02Unit economicsContribution, CAC, lifetime value, and payback
03Operating StatementFinancial results connected to operating levers
04Weekly decisionsPricing, hiring, spending, capacity, and capital
Keep the financial foundation accurate and current.
We run the recurring work, close, controls, and reporting as one dependable operating process.
Transaction workflow
Disciplined close
Reconciliation and controls
Decision-ready reporting
Explore the Accounting System
Connect the systems that hold your financial and operating truth.
Your custom private data warehouse brings the sources together, applies your business logic, and keeps every downstream view finance-ready.
Source systems→Private warehouse→Finance-ready
Explore the Data System
Unit economics
Know what you make—or lose—on every unit of growth.
Your unit might be a customer, subscription, product, project, location, or completed job. We define it, connect the data, and track the economics behind it.
- Find the customers, products, and channels that create value.
- Set pricing and acquisition limits with real contribution data.
- See whether growth will generate cash or consume it.
Unit economics model
Unit: Active customer
Revenue per unitCustomer revenue
Cost per unitDirect + variable cost
Contribution per unitProfit available to grow
AcquisitionCACCost to win the unit
LifetimeLTGPGross profit over time
EfficiencyPaybackTime to recover CAC
DurabilityRetentionHow long value repeats
Decision principleScale what creates contribution—not just revenue.
How better decisions happen
Turn current data into decisions you can act on.
We connect and reconcile the source data, model how the business works, and bring the most important levers into one weekly management view.
Connect and reconcile
Bring accounting, banking, payroll, CRM, payments, and operations into a dependable, finance-ready foundation.
Model the business
Link operating drivers to the financial statements, unit economics, cash plan, and forecast.
Publish the Operating Statement
See the revenue engine, operating capacity, unit economics, cash, and decision thresholds in one management view.
Review and decide every week
Use the forward view to make better calls on pricing, hiring, spending, capacity, and capital.
The SDCFO Operating Statement is a proprietary management report—not a GAAP financial statement.
DirectionFractional CFOStrategy & decisions
ControlControllerOversight & reporting
FoundationAccounting teamClose & execution
San Diego roots. Operator perspective.
Senior financial leadership, backed by people who keep the details right.
The “SD” in SDCFO stands for San Diego—where practical thinking, ambitious companies, and an independent operating mindset shape how we work. You get the level of guidance each decision requires, supported by a team that owns the day-to-day financial work.
Meet John Zdanowski ↘Start with a conversation
Get a clearer view of the business you are building.
Tell us what is changing, where finance is falling short, and which decisions need a better answer.
Start ConversationTakes about a minuteGoes directly to JohnNo obligation