What a fractional CFO does for you
Your bookkeeping tells you where you've been. A fractional CFO helps you decide where you're going. With more than 10 years of finance and accounting experience, we serve as your outsourced financial officer, giving you:
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Budgets you'll actually use — built with you, reviewed against actual results every month.
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Cash-flow forecasts — see shortfalls weeks ahead, plan payroll, and time big purchases.
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Capital and growth planning — hiring, equipment, expansion, loans, and pricing decisions modeled before you commit.
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Board-ready and lender-ready reporting — clear monthly financial statements your board, bank, or grant funders can trust.
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KPIs and dashboards — the five to ten numbers that matter most to your organization, tracked every month.
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A trusted second opinion — a finance leader on call when a big decision can't wait.
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Who we serve
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Small businesses in Johnson City, Kingsport, Bristol (TN & VA), Elizabethton, Greeneville, Jonesborough and Abingdon that have outgrown basic bookkeeping but aren't ready for a full-time CFO salary. We also serve businesses nationwide remotely.
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Nonprofits and ministries that need grant-ready financials, fund tracking, and board reporting.
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Churches that want clear, understandable reports for their leadership and congregation.
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Growing companies in cleaning services, professional services, auto mechanics, and consulting preparing for a loan, expansion, or sale.
​We meet in person around the Tri-Cities and work remotely with clients anywhere in the U.S.
How It Works
Bookkeeper vs. Fractional CFO vs. Full-Time CFO
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​​​​​Clean books come first
Strategy only works on accurate numbers. If your books need attention, we start with bookkeeping cleanup and monthly accounting, so every forecast and decision rests on a solid foundation. As a Certified QuickBooks ProAdvisor, Aaron can set up, clean up, and streamline your QuickBooks file along the way.
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Why Count the Cost Accounting​
Our name comes from Luke 14:28: before you build the tower, sit down and count the cost. That's how we approach every client relationship: with integrity, plain-language explanations, and advice grounded in your real numbers. Established in 2021, we're a Johnson City–based firm that treats your organization's finances like our own.
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​​​​​​Fractional CFO FAQs
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How much do fractional CFO services cost? Most clients pay a flat monthly fee. We offer two advisory packages. Growth Advisor starts at $1,300 a month and covers an annual budget, quarterly forecasts, a cash flow projection and a KPI dashboard. Fractional CFO starts at $2,500 a month and adds a rolling forecast, 13-week cash flow planning, on-demand scenario planning, lender packages and weekly calls. You'll get a clear quote after your free consultation.
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How is a fractional CFO different from my bookkeeper or tax preparer? Your bookkeeper records what happened, and your tax preparer files your returns. A fractional CFO uses those numbers to plan budgets, forecast cash, and guide decisions about growth.
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Is my business big enough for a fractional CFO? If you're making decisions about hiring, borrowing, pricing, or expanding, and you're not sure what your numbers say, you're likely ready. Many of our clients are small businesses and nonprofits with modest budgets.
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Do you work with businesses outside Johnson City? Yes. We serve the entire Tri-Cities area in person and work remotely with clients across the country.
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Can you also handle our bookkeeping, payroll, and taxes? Yes. We offer bookkeeping, payroll, and tax preparation, so your financial work can live under one roof.
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Ready to see where your numbers can take you?
Schedule a free fractional CFO consultation. Call or text 423-430-9704, or email aaron@countthecostaccounting.com.
Ready to get clarity on your numbers?