CFO Services for Small Business Owners in Conroe & The Woodlands
Your books tell you what happened. CFO Services tell you what to do next. Big-company financial insight, sized for a small business.
This takes you to our contact form. Tell us a little about your business, and we'll reach out within 1–2 business days to set up a quick call and put together pricing for you.
Based in Conroe, serving The Woodlands, Spring, North Houston and all of Montgomery County, and working remotely with clients nationwide.
Does this sound like you?
- Your P&L lands in your inbox every month, and you're not really sure what it's telling you.
- Revenue is growing, but the bank balance isn't.
- You have cash flow problems, and payday feels like a coin flip.
- You're not sure what you can afford to pay yourself.
- You want to hire, raise prices or expand, but you don't know if the numbers support it.
- Your banker is asking for financials and projections you don't have.
- You're making big decisions on gut instinct, and it's exhausting.
What changes
Right now
You're watching the bank balance and reacting.
With CFO Services
You know what's coming, what's working and what to do next, before you have to make the call.
Three packages, each building on the last
Every package is priced to your business.
Insights
For owners who want to understand their numbers and make faster decisions
- Monthly financial statements
- Monthly KPI scorecard
- A short personal video (5 minutes or less) walking you through your results
Growth
For owners getting ready to grow with a real plan
- Everything in Insights
- Quarterly goal and strategy meetings
- Annual budget session
- Quarterly budget-vs-actual reviews
Scale
For owners in growth mode who want a hands-on financial partner
- Everything in Growth
- Cash flow projections
- Profitability analysis
- Monthly meetings
Add-ons
Add what you need, when you need it. No forced jump to a bigger package.
- Monthly strategy meetings: available with any package
- Cash flow analysis: a one-time deep look at where your cash is going
- Scenario forecasting: see the numbers on a big decision before you make it
- Budget planning: a budget built around your goals
- Quarterly KPI report and review call: for bookkeeping clients who want more insight without a full package
Solve exactly one thing, fast
If there's a specific problem holding you back, a 90-Day Sprint is built to solve exactly one thing, fast. Each Sprint runs four structured meetings: a kickoff to define the goal and gather what's needed, two check-ins to track progress and adjust course, and a final meeting to walk through your deliverables. Between sessions, the analysis and plan-building happens on our end, so every meeting moves you forward. Every Sprint ends with clear, usable deliverables and the option to continue into ongoing advisory.
Cash Flow Catalyst
A 13-week rolling cash forecast, owner draw and debt pressure review, cash timing and collections review, and a cash reserve target and plan. This is the sprint for "can I afford to hire" and "why does growth keep eating my cash."
Learn more →Profitability Booster
A line-by-line expense audit and profit leak assessment, a profitability dashboard by service line, a pricing and margin optimization report, and a scorecard to stay on track long after the sprint ends. This is the sprint for "am I actually charging enough."
Debt Reduction Action Plan
A full debt snapshot (balances, rates, cost), a prioritized payoff strategy, a month-by-month payoff timeline, and a plan to free up cash to accelerate payoff. This is where the lending background does the most direct work: deciding which debt to attack first, and in what order, is exactly the kind of call a former commercial lender makes every day.
AI Implementation Roadmap
An AI skill-level and business needs assessment, a roadmap for building your business's AI capabilities, custom projects, skills, resource files and a prompt library, and a custom AI policy for your company and clients.
Learn more →Personal Finance Organization
An overall personal financial snapshot, a custom monthly budget, an automated bill-pay system, and a savings plan with a realistic target. For owners whose personal and business finances have gotten tangled together.
Want more detail on any Sprint?
Get a full phase-by-phase breakdown with exact deliverables at every stage.
Contact us →Not sure where to start? The Financial Audit & Blueprint
Our 30-day Financial Audit & Blueprint scores your business in seven areas and hands you a clear, plain-English plan for what to fix first. Learn more about the Audit & Blueprint →
I tell you what your numbers mean
With 20+ years of commercial and residential lending experience, I spent my career reading small business financials and seeing where owners got stuck. I don't just report your numbers. I tell you what they mean, what your banker will think, and what to do about it, in plain English.
Clear, not intimidating
★★★★★"She has helped me navigate my profit and loss and showed me simple tools to keep my profit on track!!"
Andrea P., Google review
★★★★★"It's clear that Tonya understands the bigger financial picture business owners need to make smart decisions. She explains things in a way that feels clear, not intimidating."
Renata U., Google review
★★★★★"They offer bookkeeping and additional business advisory that will completely change how you see your business finances. If your business is growing, their services are highly recommended!"
Karla R., Google review
Frequently asked questions
How is pricing determined?
Every business is different, so pricing is custom. It depends on the package, how often we meet, and how complex your business is. You pay for what you need, not for features you won't use.
What's the difference between bookkeeping and CFO Services?
Bookkeeping keeps your past in order: accurate records and reports. CFO Services look forward: what the numbers mean, where cash is headed, and what to do next.
Is this the same as a fractional CFO?
It's similar. A fractional CFO is a part-time CFO. Our CFO Services give you that same forward-looking guidance, sized and priced for a small business.
Do I need clean books first?
For ongoing packages, yes, because insight is only as good as the numbers behind it. If your books need work, we can clean them up first, or start with the Audit & Blueprint.
Do you manage investments or give investment advice?
No. CFO Services focus on your business: cash flow, profit, budgets and planning.
How do meetings work?
Meetings are virtual, so we can work together wherever you are.
Is there a minimum commitment?
Monthly packages have a three-month minimum. After that, you can cancel anytime with 30 days' notice.
More questions? See all FAQs → · How bookkeeping grows into CFO Services →
Ready to stop guessing?
Tell me where your business is and where you want it to go. I'll recommend the right starting point and put together custom pricing. We respond within 1–2 business days.