Executive Financial Oversight
CFO Services Built on
Reliable Reporting and Controls
CFO support works best when the books, reporting, and decision-support infrastructure are strong enough to carry strategy.
We build that foundation first — then deliver the financial leadership that actually moves the business.
CFO support can underperform when strategy is layered onto weak reporting, inconsistent books, or missing financial infrastructure. We address that directly.
Montana-Based. Serving Clients Nationwide.
CFO Services start at $3,500/mo
For businesses doing $1M–$50M+ in revenue that are ready to build real financial leadership
Why Our CFO Clients Get Results Others Don't
And how 406 Consulting Group is different
The Industry Problem
“CFO” has become a broadly used term. The scope and depth of what gets delivered varies significantly — and not always in the client's favor.
The Root Cause: Uneven Business Maturity
Different areas of the business are at different maturity levels:
The 406 Difference: We Build Before We Advise
We assess where you are, build what's missing, then deliver strategic leadership that transforms
The Result: CFO Services That Transform
Every dollar of CFO investment delivers because the infrastructure supports it
“We don't just sell CFO services — we ensure they work.”
That's why our clients stay and our results speak for themselves.
This approach was shaped by someone who has seen what happens when strategy runs ahead of infrastructure — at a scale where the consequences were immediate.
Free Tools — Know Where You Stand Before We Talk
Not sure if you're ready for CFO-level guidance?
Our Business Maturity Assessment scores your financial infrastructure across six dimensions — giving you a clear picture of where you are and what needs to be built first. The Loan Qualification tool helps if growth capital is part of the conversation.
The 406 Maturity Assessment
This is our proprietary framework for ensuring every CFO engagement delivers.
We assess these five dimensions and build what's needed — so your investment pays off.
Trustworthy Data
Numbers you can rely on for decision-making
Operational Visibility
Clear line of sight into where resources are going
Process & Accountability
Systems that ensure follow-through and ownership
Financial Rhythm
Regular cadence for examining performance and trends
Leadership Alignment
Shared understanding of priorities and trade-offs
We help you build these conditions through our Controller Services — so you're ready for maximum impact.
What CFO Guidance Provides
CFO Services provide context and direction — not day-to-day management.
The role is to help leadership:
- •interpret the financial picture
- •evaluate trade-offs
- •assess risk
- •align decisions with long-term objectives
Strategic Perspective
High-level financial insight aligned to long-term direction.
Decision Framing
Evaluating options, trade-offs, and implications before major commitments.
Risk & Capital Awareness
Understanding exposure, capacity, and constraints.
Alignment & Governance
Ensuring financial decisions support the broader operating system.
Where CFO Guidance Fits
Foundation Services
Accurate data and compliance
Controller Services
Operational control and financial rhythm
Advisory Services
Targeted expertise during transition points
CFO Guidance
Strategic oversight once the system is mature
CFO guidance complements the system — it does not replace it.
The CFO Readiness Journey
The five dimensions we assess and strengthen — this is why our CFO clients get results
Stable Foundation
Trustworthy financial systems in place
Meaningful Impact
Leadership decisions have long-term weight
Strategic Trade-offs
Capital allocation matters more than speed
Future Perspective
Growth, transition, or exit planning needed
Team Alignment
Leadership needs perspective, not intervention
All Gates Passed
When your business has cleared all five checkpoints, CFO guidance becomes transformational rather than theoretical.
Wherever you are on this journey, we'll meet you there and build the path forward.
“I Tried a Fractional CFO Before.
It Didn't Work.”
We hear this more than you'd think. And we understand why. Here's what usually goes wrong — and why our model is different.
Why It Failed Last Time
Strategy without infrastructure
They gave you advice but had no system to execute it. Reports piled up. Nothing changed.
No ownership of the data
They relied on your team to produce numbers. But your team didn't have the tools or training.
Part-time attention, full-time problems
A few hours a month isn't enough when your financials need daily discipline.
No foundation underneath
They tried to build the roof before the walls. Without clean books and controls, CFO work is guesswork.
Why Our Model Is Different
We build the infrastructure first
We don't start with strategy. We start with bookkeeping, controls, and reporting. Strategy comes after the system works.
We own the full stack
From transaction entry to board-ready financials. One team, one system, one accountability chain.
Embedded, not advisory
Our CFOs work inside your business rhythm — weekly cadences, monthly closes, quarterly planning. Not just quarterly check-ins.
Proven progression model
You don't jump to CFO. You graduate to it. That's why our CFO clients get results — the foundation is already solid.
“A CFO without infrastructure is just expensive advice.”
That's why we assess, build, and then lead. In that order. Every time.
In-House CFO vs. The 406 Model
A full-time CFO costs $200K–$350K+ in salary alone. Here's what you actually get with each option.
In-House CFO
$200K–$350K+
salary + benefits + equity
406 Model
$42K–$72K/yr
$3,500–$6,000/mo
In-House CFO
Full-time, single company
but often pulled into operations
406 Model
Dedicated engagement
focused on strategic work only
In-House CFO
No
must build or hire separately
406 Model
Yes
bookkeeping, payroll, tax — all integrated
In-House CFO
One person's experience
limited to their background
406 Model
Full team's experience
across industries and stages
In-House CFO
3–6 months
recruiting + onboarding
406 Model
2–4 weeks
we already know your books
In-House CFO
High
institutional knowledge walks out
406 Model
Low
systems and processes stay with you
In-House CFO
Fixed cost regardless of need
overpay in slow periods
406 Model
Engagement adjusts to stage
pay for what you need, when you need it
The bottom line: An in-house CFO makes sense at $50M+ in revenue. Below that, you're paying for a title when you need a system.
Ready to Experience the Difference?
At $3,500+/month, CFO Services deliver the strategic financial leadership that separates industry leaders from everyone else. The businesses you admire? They made this investment. Get in Touch and we'll show you exactly where you stand and what's possible.
Get in TouchWant to see CFO-level work in action? Read how we provided interim CFO support through Big 4 diligence and a cross-border acquisition →
Frequently Asked Questions
What does a fractional CFO actually do?
How is a fractional CFO different from a full-time CFO?
When do I need a CFO vs. a controller?
Do you work with investors or boards?
What's the minimum engagement for CFO services?
Building a Business Worth Selling
Most business owners think about selling their company 2–3 years too late. The financial infrastructure that makes a business attractive to buyers — clean books, normalized earnings, documented processes, and a management team that doesn't depend on the owner — takes years to build. We help you build it now, whether you plan to sell in 2 years or 10.
Our CFO clients who are preparing for an exit get a dedicated track: EBITDA normalization, quality of earnings preparation, due diligence readiness, and buyer narrative development. We've supported transactions from $2M to $25M in enterprise value.
Discuss Your Exit TimelineFree Tools
Free Assessment
Financial Maturity Assessment
See where your financial infrastructure stands — and whether you need a Controller, CFO, or both.
Take the assessment →Free Calculator
Cash Flow Runway
Model your runway under normal, downturn, and zero-revenue scenarios. The first step toward real cash visibility.
Run the numbers →Free Calculator
LLC vs. S-Corp Calculator
Model your SE tax savings. A common CFO-level conversation for owner-operated businesses.
Calculate now →