About

Meet Your CFO

David Lopez,
CPA

Fractional CFO & Accounting Partner for South Florida’s most ambitious businesses. Born and raised in Weston. Built for growth.

CPA LICENSED M.S. TAXATION · UM FORMER XEROX CFO WESTON, FL NATIVE
David Lopez, CPA — Fractional CFO South Florida
Why I Left Corporate

I Chose Growing Businesses Over Managing a Decline

While serving as CFO at Saxon, A Xerox Company, I was handed a five-year plan that told me everything I needed to know about where the company was headed. Leadership had made deliberate financial decisions to hoard cash — preparing for an acquisition of HP as part of the natural consolidation of a shrinking industry.

I was good at that work. Our division led the country in cash generation and profit margin. But I realized I didn’t want to spend my career helping manage a decline — no matter how well-compensated that work was.

I wanted to work with innovative companies in growing industries. Business owners who were building something — and needed a financial partner who could help them do it right.

#1
Division rank in cash generation & profit margin nationally at Saxon/Xerox
1 of 30
Professionals selected nationally for the Xerox Finance University program
$24M+
Client revenue currently under management across 9 active South Florida businesses
My Ideal Client

I Know This Business Owner.
Because I’ve Seen Hundreds of Them.

They didn’t start their business from a business school classroom. They started it because they were the best at what they did — and they knew it.

Most of my clients spent years working for someone else — mastering their craft, building a reputation, growing a network. Then came the moment. A compensation dispute. A ceiling they couldn’t break through. The realization that they were making someone else rich.

So they went out on their own. And they built something real. Revenue is up. The team is growing. Clients keep coming back.

But the books are a mess. Cash flow is unpredictable. And the financial side of the business — the part that tells you whether you’re actually winning — is a black box.

Step 1 — I clean up the books
Reconcile every account. Build a clean chart. Give you an accurate picture of where you actually stand.
Step 2 — I set up a budget to hit your goals
Build a real financial plan — not a spreadsheet you ignore, but a living budget tied to your growth targets.
Step 3 — I become your financial translator
You drive the business. I read the instruments and tell you exactly what the numbers mean — every single month.
What Most Owners Miss

The Speed of Money

Profitable businesses fail every year. Not because they weren’t making money — but because they ran out of cash. Here’s what I watch that most advisors don’t.

⏱
Collections vs. Payments
If you’re collecting at 90 days but paying vendors at 30, you can sell yourself right out of business. I align your inflows and outflows so growth doesn’t kill you.
💸
Payroll Timing
Biweekly vs. semi-monthly payroll can mean a $50K+ swing in your cash position on any given week. Most owners have never thought about it. I have.
📬
Receivables Follow-Up
How often are you following up on unpaid invoices? What’s the right cadence? I build the process that keeps cash moving without burning client relationships.
🧾
Bill Payment Strategy
How long should you hold bills before paying? How often should you cut checks? These decisions compound into thousands of dollars of free float every month.
🏦
Debt Leverage
How much debt do you need before the business truly pays for itself? I model the right capital structure so you’re using leverage as a tool — not a trap.
🎯
The Bottom Line
Cash flow is not an accounting problem. It’s a timing problem. And timing is something I’ve spent my entire career mastering.
Career Timeline

The Experience Behind the Work

2022 – Present
Founder & CFO — Lopez Consulting Services
Fractional CFO and accounting partner serving South Florida businesses across real estate, healthcare, investment management, and more. Currently managing $24M+ in client revenue across 9 active engagements.
Prior to 2022
CFO — Saxon, A Xerox Company (Florida Small Business Division)
Led financial operations for one of Xerox’s core business units. Division ranked #1 nationally in cash generation and profit margin. Selected as one of 30 professionals nationwide for the Xerox Finance University program.
Public Accounting
Berkowitz Pollack & Brant
One of South Florida’s most respected CPA firms. Gained deep experience in audit, forensic accounting, and taxation — the foundation that shapes how I analyze every client’s financials today.
Education
University of Miami
B.S. Accounting & M.S. Taxation. Born and raised in Weston, FL — a proud St. Thomas Aquinas and University of Miami alumnus. Go Canes.
South Florida Through & Through

Born in Weston. Built for This Market.

I’m not a consultant who flew in from New York. I grew up here. I went to St. Thomas Aquinas, graduated from the University of Miami, and have spent my entire career serving South Florida businesses.

I understand this market — the industries, the relationships, the way business gets done here. When I sit across from a South Florida business owner, I’m not learning the landscape. I am the landscape.

When I’m not in the books, you’ll find me on the water fishing or cheering on the Canes — preferably both on the same weekend.

🏠
Weston, FL Native
Born and raised in Broward County. I know this community because I’m part of it.
🎓
St. Thomas Aquinas → University of Miami
B.S. Accounting + M.S. Taxation. Proud Canes fan for life.
🎣
Fisherman & South Florida Sports Fan
When the books are balanced, I’m on the water. Go Canes, Dolphins, Heat, and Marlins.
🤝
A Partner, Not a Vendor
I answer my phone. I know your business. I’m invested in your success the same way you are.
Ready to Work Together?

Let’s Talk About Your Business

Start with a complimentary 30-minute discovery call. I’ll listen, ask the right questions, and tell you honestly whether we’re a fit — and what that would look like.

Book a Free Discovery Call

Or call: (954) 604-3411