Fractional CFO Services in Miami

Serving Miami-Dade

Fractional CFO Services in
Miami

Miami’s economy moves fast and punishes businesses that can’t see their own numbers. A fractional CFO in Miami gives you a complete finance function — for one flat monthly fee.

CPA LICENSED M.S. TAXATION · UM FLAT-FEE PLANS MONTH-TO-MONTH
The Miami Problem

Six-Figure Decisions on Gut Feel

Real estate and construction, hospitality groups, trade and logistics, healthcare practices, a growing startup scene — different industries, same pattern: revenue scales quickly, complexity scales faster, and the owner ends up making six-figure decisions while the financials run a month behind.

Hiring a Miami CFO, a controller, and a bookkeeper is three salaries and three sets of benefits. So the finance function ends up split between an office manager, an outside tax preparer, and the owner’s Sunday nights.

fractional CFO in Miami — David Lopez, CPA, M.S. Taxation, University of Miami
David Lopez, CPA
M.S. Taxation, University of Miami

A fractional model replaces that patchwork with one accountable person. I’m David Lopez, CPA — M.S. in Taxation from the University of Miami, former CFO of Saxon, a Xerox company. If you have been weighing up a fractional CFO in Miami against another national bookkeeping platform, the difference is judgment — and judgment needs someone accountable.

Accurate books, closed monthly
Reconciliations, coding, AR/AP, and payroll coordination that produce statements you can actually rely on.
Controller-level oversight
Financial packages with variance analysis, internal controls, and clean year-end handoffs to your tax preparer.
CFO strategy
13-week cash forecasting, budgets, KPI dashboards, scenario modeling, and support for lending, investors, and acquisitions.
Every plan is a flat monthly retainer
Month-to-month, scope set at the start. You’ll never receive an hourly invoice. See pricing →
Why Local Wins

A CFO Who Knows Miami.
Not a Dashboard That Doesn’t.

There’s no shortage of national online bookkeeping platforms. What they can’t do is judgment — and judgment improves dramatically when your CFO knows the market you operate in.

Before the bank meeting
I sit with you before a lending conversation in Brickell and make sure your package answers the questions before they’re asked.
Multi-entity structures
Common in Miami real estate — and a mess in most books. Consolidations, intercompany cleanup, and reporting that holds up in diligence.
Raise, buy, or sell
Investor reporting, due-diligence support, pitch-deck financials, and sale preparation — the needs that show up when Miami companies make moves.
Common Questions

Miami FAQs

Do you take meetings in Miami-Dade?
Yes. I’m based in Broward and hold regular in-person sessions with Miami-Dade clients; day-to-day work runs remotely through QuickBooks Online, Xero, or FreshBooks.
Can you work alongside my existing bookkeeper or CPA?
Yes — at the Growth tier and above I can manage your existing accounting staff, and I coordinate directly with your tax CPA at year-end. You keep the people who work; I make the function work together.
What does getting started look like?
A free 30-minute discovery call, then most clients are fully onboarded within a week.
What does a fractional CFO in Miami cost?
Every plan is a flat monthly retainer, set at the start of the engagement and billed month-to-month — you will never receive an hourly invoice. Which tier fits depends on whether you need the books run, controller-level oversight, or full CFO strategy on top. Current pricing is published on the pricing page.
What Happens Next

Your First 90 Days With a Fractional CFO in Miami

Engagements open with a free thirty-minute discovery call, and most clients are fully onboarded within a week. Here is what the first quarter actually looks like.

01
Days 1–30 · Get the books right
Reconciliations, coding, AR/AP and payroll coordination brought current — including the intercompany cleanup and consolidations that multi-entity Miami real estate structures tend to accumulate.
02
Days 31–60 · See the cash
A 13-week cash forecast goes in, with the KPI dashboard and variance analysis that turn a monthly close into a management conversation instead of a filing exercise.
03
Days 61–90 · Make the decisions
Budgets, scenario modeling and lender-ready packages — reporting that answers the questions before a Brickell bank meeting asks them, and that holds up in investor diligence.

See what a fractional CFO costs, compare the full scope of services, or read how I work through real numbers in the Think Like a CFO case library.

Start With a Conversation

Get Thirty Minutes of Clarity — Free

Bring your latest P&L, or bring nothing at all. We’ll talk through where your finances stand and what a right-sized finance function would look like.

Book a Free Discovery Call

Or call: (954) 604-3411

Also serving Fort Lauderdale and Weston · View flat-fee pricing