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Free assessment Map your profit, tax, and enterprise-value gaps. See what you get
Fractional CFO · Tax · Exit

Most service businesses are leaving profit on the table.

We install a financial operating system that finds every margin leak, deploys tax strategy, and engineers your business to exit at a premium — run on one standard: 60·15·15.

Book your Scale-Ready Assessment See the 60·15·15

FREE DIAGNOSTIC · US SERVICE BUSINESSES · $1M–$20M REVENUE

Real advisory. Real numbers.

Trusted by growing service businesses

Eden Data VirtualCounsel RHFL NuSpine Crystalized Fitness
01Profit clarity
02Proactive tax
03Cash control
04Exit readiness
The Problem

Revenue is growing. So why is cash so tight?

The top line looks good. But every month the bank account tells a different story — reports arrive 30 days late and none of them show where the money actually goes. That’s not a revenue problem. It’s a visibility problem.

Cash-flow monitorLIVE
Cash Flow vs RevenueLast 12 months
RevenueCash Flow
JanMarMayJulSepNov
Revenue growth+42%
Cash flow−18%
Visibility gap−$742K
The Standard

Every scalable business is governed by four numbers.

Target
60%
Gross Margin
What you keep after delivering the work
Target
15%
Sales & Marketing
What it costs to win new business
Target
15%
G&A
What it costs to run the business
Output
30%
Net Profit
The outcome when the system works
The Full Stack

One system.
Your entire financial operation.

Every function that touches profit — under one roof, run on one standard. No handoff gaps, no blind spots.

01

Bookkeeping

Clean, current books that close on time — the foundation every decision runs on.

02

Tax Returns

Filed accurately and on time — no surprises, no year-end scramble.

03

Tax Planning

Proactive strategy that cuts the bill before year-end, while it can still change.

04

CFO Strategy

A fractional CFO steering margin, cash, and growth from live numbers.

05

Exit Planning

Engineering enterprise value now so you can exit at a premium later.

06

60·15·15 Reporting

Every KPI mapped to the standard and updated live — the system's scoreboard.

Every function feeds one standard 60·15·15
How it works

From first call to deployed strategy.

01

Diagnose your financials

We run your numbers through the 60·15·15 standard and show you exactly where the business is leaking profit — the Scale-Ready Assessment.

Scanning financials…
Gross Margin
38%
S&M
24%
G&A
19%
Illustrative gap−$742K/yr
02

Install the system

We restructure the books, deploy tax strategy, and build a dashboard that maps your sales and marketing data to a live forecast.

Building dashboard…
Books restructured
Tax strategy deployed
KPI dashboard live
Forecast mapped
03

Execute every month

Monthly CFO meetings, budget vs. actuals, and a dashboard that tells us which KPI to move next. Every decision driven by data, not gut feel.

Monthly review
Gross Margin62% ↑
S&M Spend14% ↑
Net Profit28% ↑
On track+$680K recovered
Results
$402,838
Tax liability eliminated for a single client, in a single year.
$220K+Annual tax savings, legal-services firm
$185K+Captured via quarterly strategy
$125KRecaptured through amended returns
$96.2MRevenue under management
Case Studies

Don’t just take our word for it.

Eden Data
0 → $300K MRR

“We grew from zero to $300K MRR with Arron’s leadership.”

Taylor HersomChairman, Eden DataRead →
VirtualCounsel
Embedded fractional CFO

“A team we can rely on, with rapid-fire responses and consistent support.”

Daniel GoodrichCEO & Founder, VirtualCounselRead →
Motiv Marketing$402Ktax liability eliminated

“Eliminated $402K in tax liability — and got a refund.”

Motiv MarketingMarketing AgencyRead →
Optmyzr$185K+saved while scaling global ops

“Saved $185K+ in taxes while scaling global operations.”

OptmyzrSaaS & Ad TechRead →
NuSpineScaled & Exitedthen reinvested

“Strategic finance helped us scale, exit, and reinvest with confidence.”

NuSpine ChiropracticHealthcare & FranchiseRead →
Chimney ScientistFull resetof how they run the business

“A complete tax transformation that changed how we run our business.”

Chimney ScientistHome ServicesRead →
Veterans FleetClarityto grow with confidence

“Bennett Financials gave us the financial clarity we needed to grow.”

Veterans Fleet ManagementFleet ServicesRead →
FAQ

Everything you need to know.

What is the 60-15-15 standard?

Arron Bennett developed the 60-15-15 standard as a financial operating framework for service businesses: 60% gross margin, 15% sales & marketing, 15% G&A, leaving 30% net profit. We map every KPI to it — it’s the diagnostic core of every Bennett Financials engagement.

Who is this for?

US-based service businesses doing $1M–$20M in annual revenue who want to move from gut-feel decisions to data-driven growth. That’s who we built the 60-15-15 for.

What does the Scale-Ready Assessment include?

A full financial diagnostic — profitability scorecard, custom tax strategy, and enterprise value gap report — all mapped to the 60-15-15 standard.

How fast is full deployment?

The core financial system is live within 90 days, and the full implementation sprint is complete by day 120.

How is this different from a regular accountant?

Traditional accounting looks backward. We look forward. We combine bookkeeping, tax, CFO strategy, and exit planning into one system that drives profitable growth.

Fractional CFO vs CPA — what’s the difference?

A CPA files your tax return. A fractional CFO plans your tax strategy before the year ends, when it can still be changed. CPAs are backward-looking compliance; CFOs are forward-looking strategy. Most $1M–$20M service businesses need both — but the CFO saves 10x what the CPA costs.

What’s the difference between tax preparation and tax planning?

Tax preparation files a return based on what already happened. Tax planning changes what happens before year-end — entity structure, compensation mix, retirement vehicles, asset timing. Preparation is a cost center; planning is a profit lever.

Why do most service businesses stall between $1M and $3M?

Because the owner is still the product. Scaling past $3M requires hiring, delegation, and financial systems the founder rarely has time to build. The stall isn’t a revenue problem — it’s a margin and structure problem that only shows up when you look at the numbers.

When should I start exit planning?

3–5 years before you want to sell. Enterprise value is built through operational maturity — predictable margins, independent operations, clean financials. Starting early gives you the option to sell, which is the real goal.

Who created the 60-15-15 framework?

Arron Bennett, founder of Bennett Financials. He developed 60-15-15 over eight years of running financial strategy for service businesses, after seeing the same numbers predict scaling outcomes across hundreds of companies.

Still have questions?

Get a straight answer — and a look at your numbers.

Book a call →
Start here

Know what to fix first.

A free financial diagnostic — profit, tax, and enterprise-value gaps, mapped to the 60·15·15 standard.

FAQ

Questions about Fractional CFO for Service Businesses.

Clear answers to the questions owners ask before deciding what to do next.

A fractional CFO brings senior financial leadership without requiring a full-time executive hire. The role should turn reliable accounting data into clearer decisions about profit, cash, growth, tax exposure, and long-term value.

If the books are complete but you still cannot explain margin changes, forecast cash, evaluate hiring, or plan around major decisions, the gap is likely strategic finance rather than transaction processing.

At minimum, owners should understand revenue quality, direct-cost and delivery margin, overhead, cash timing, pipeline or capacity, and the decisions those measures support. The exact scorecard depends on the business model.

Yes. A useful financial system tests whether growth is creating healthy margin and cash, not simply more activity. It can surface the tradeoffs among pricing, delivery, staffing, customer mix, and investment.

Tax preparation reports and files based on what happened. Planning considers eligible decisions and timing while there is still time to evaluate options, in coordination with a qualified tax professional.

Start by identifying the decision that is hardest to make with current reports. Then review the close process, reporting quality, cash forecast, and operating metrics needed to answer it.

Yes. Reliable reporting, documented processes, repeatable margin, and less owner dependence are useful today and can also make a future transition easier to assess.

The assessment is designed to clarify the financial questions and priorities that deserve attention. Any next step should be based on the business's facts, goals, and readiness to implement change.