Financial leadership for a business that needs the judgment but not the full-time salary.
As a business grows, so do its needs. D&J provides professional finance knowledge, controls, and forward-looking analysis — built on a clean close so the numbers behind the decision are real.
What CFO-level support covers
Engagements are scoped to the decisions in front of the business, then set on a reporting cadence.
- Cash-flow projections
- Short- and long-term cash planning
- Profitability analysis by job, service or location
- Trend analysis against prior periods
- Annual and rolling budgets
- Financial controls and checks and balances
- Management reporting packages
- Financing readiness and lender packages
- Lender and investor communication support
- Strategic and expansion planning
- Equipment and capital-purchase analysis
- Tax-aware financial decision support
The questions this work answers
- Can the business cover payroll, debt service and taxes over the next two quarters?
- Which jobs, services or locations actually produce margin after overhead?
- What does the lender need to see, and does the current reporting support it?
- Is this the year to buy the equipment, or the year to wait?
- Where are the control gaps that let an error or a loss go unnoticed?
What advisory work does not do
How the engagement is structured
Advisory value comes from repetition, not a single report. A typical arrangement looks like this.
Close review, variance against budget, updated 13-week cash view, and the two or three items that need a decision.
Profitability and trend analysis, tax-position check, and progress against the plan for the year.
Budget build, capital planning, entity and compensation review, and lender or investor materials.
Financing applications, acquisitions, equipment decisions, or an unexpected pressure on cash.
Tell us what decisions are ahead
Share the shape of the business — revenue range, headcount, industry and platform — along with the decisions you are weighing. We will propose a reporting cadence and scope in writing.
Better decisions come from numbers you can trust on the day you need them.
Work with Joaquin Gonzalez, CPA and D&J for business accounting, CFO guidance, tax planning, and experienced representation throughout Chicagoland.