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NEWS, PODCASTS, TAX PLANNING

Ep 100: How a Fractional CFO Can Elevate Your Wealth Strategy

business tax savings

Managing a successful business requires more than just revenue growth—it demands strategic financial oversight, tax optimization, and precise estate planning. If you are not fully capitalizing on your business’s financial strategy, you could be missing out on significant opportunities.

That is why Live Life Liberated is celebrating its 100th episode with a value-packed discussion.

In this episode, host Derek Myron interviews Jonny Borok, a highly experienced fractional CFO, about how these financial experts help business owners achieve investment and estate planning goals with greater precision.

Now, let’s explore what a fractional CFO is, why business owners should consider hiring one, and how they play a critical role in wealth management.

What Is a Fractional CFO?

A fractional CFO is a highly skilled financial executive who works with companies on a part-time or contract basis. Unlike a full-time CFO, who is a permanent employee, fractional CFOs provide strategic financial oversight without the cost of a full-time salary.

They help businesses with:

  • Financial planning and forecasting
  • Cash flow management
  • Tax strategy and reporting
  • Investment and estate planning
  • Cross-disciplinary collaboration with wealth managers and tax strategists

For businesses with $5 million or more in revenue, a fractional CFO can bring the expertise needed to optimize financial strategy while freeing up leadership to focus on growth.

Why Business Owners Should Consider a Fractional CFO

Many business owners struggle with financial complexity, whether it is managing cash flow, reducing tax burdens, or planning for long-term wealth preservation.

A fractional CFO provides:

  • Strategic oversight – Aligns business goals with smart financial planning.
  • Cross-industry expertise – Brings best practices from various industries.
  • Tax efficiency – Works with tax strategists to minimize liabilities.
  • Estate planning insights – Ensures business assets transition smoothly to the next generation.

By working alongside wealth managers, accountants, and legal experts, a fractional CFO helps ensure that every aspect of your financial life is coordinated.

How Fractional CFOs Support Investment and Estate Planning

Estate planning and investment strategies go hand in hand. Business owners often accumulate substantial assets, but without proper planning, much of that wealth could be lost to taxes, legal fees, and inefficient structuring.

Here is how a fractional CFO can help:

1. Optimizing Tax Strategies

  • Identify tax-saving opportunities through entity structuring.
  • Implement deductions and deferrals to reduce taxable income.
  • Work with estate planners to minimize estate and gift taxes.

2. Improving Financial Reporting for Smarter Decisions

  • Establish reliable financial systems to track assets and liabilities.
  • Provide transparency for investors, partners, and future heirs.
  • Ensure accurate reporting for tax compliance and wealth preservation.

3. Enhancing Liquidity and Cash Flow Management

  • Find ways to unlock capital without disrupting operations.
  • Manage debt and financing strategies for long-term sustainability.
  • Ensure cash reserves align with business growth and personal wealth goals.

4. Coordinating with Wealth Managers and Legal Teams

  • Align investment decisions with estate planning goals.
  • Structure business ownership for smooth succession planning.
  • Protect business and personal assets from legal risks.

Who Benefits Most from a Fractional CFO?

This strategy is ideal for:

  • Business owners who need financial leadership but do not want to hire a full-time CFO.
  • Entrepreneurs with complex tax and estate planning needs.
  • Companies preparing for a sale, merger, or transition.
  • Families looking to structure multi-generational wealth.

Whether you are looking to scale your business, optimize taxes, or safeguard your legacy, a fractional CFO can provide the expertise to make smarter financial decisions.

Final Thoughts: The Power of a Unified Financial Strategy

A fractional CFO is more than just a financial consultant—they are a key partner in your overall wealth strategy. By collaborating with wealth managers, tax strategists, and estate planners, they ensure that every financial decision aligns with your long-term goals.

To explore how a fractional CFO could help elevate your business strategy, tune in to the latest episode of Live Life Liberated.Listen now: Elevate Your Business Strategy: The Strategic Value of a Fractional CFO (Ep. 100)

September 24, 2024
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Our planning fee pricing for income tax planning services is determined using a standardized matrix based on Net Worth, Income, and Meeting Frequency. This base planning fee price may be adjusted to account for increased complexity or the occurrence of a future income event. To project tax savings, we analyze prior year tax returns to determine their past tax liability to project out the following year’s tax liability. Based on facts collected and confirmed by the client, we then identify and evaluate applicable tax strategies and the estimated annual tax savings they would produce if implemented. The estimated annual tax savings are then divided by the annual engagement price proposed to/agreed to by the client to determine the multiple on estimated annual tax savings generated as it relates to the planning fees paid. Please note, these initial projections are preliminary and based on our current understanding of the client’s situation. Outcomes may vary based on client’s decisions or chosen course of action regarding the implementation of recommended strategies, their specific goals, and risk tolerance.

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