Fractional CFO Service Fee

How to Build a Permanently Profitable Business

with XERO or Quickbooks

— without Overwhelm

Are you tired of juggling finances, worrying about cash flow, or feeling uncertain about your bottom line?

Many Xero users aren’t tapping its full potential—missing out on simple strategies that can boost profits. 

Let us show you how to fully leverage Xero so you can:

  1. Maximize earnings and create consistent profit
  2. Confidently manage cash flow (no more guessing!)
  3. Grow your bottom line—without confusion or overwhelm.

Our methodology uses The CPR Blueprint (Cash, Profit, Revenue) to help you make data-driven decisions and build a thriving business.

Step 1: Clarity

Get on a Zoom call to uncover your profit goals and bottlenecks—stop digging blindly. Clarity comes before strategy.

Step 2: Profit Plan

We’ll provide a proven profit lock-in roadmap. Know what to do, where your money should go, and how to take control.

Step 3: Take Action

Who This Is For ✅

  1. You take control of your finances with discipline, not guesswork. 
  2.  You own your results—no excuses, just action.
  3. You make decisions instead of hoping things will magically change. 
  4. You’re ready to invest time and money for long-term financial success.
  5. You use Xero or QuickBooks to work smarter,
  6. You follow a proven money plan, not random advice.  
  7. You want to fix cash problems now. 

Who This Is NOT For ❌

  1. Your excuse list includes “my dog ate my homework”.
  2. You expect others to hand you your results. 
  3. You want to see what happens, but no decision is still a decision—and usually costs more.
  4. You expect your accountant to care more about your business than you do.
  5. You prefer the way it’s always done.
  6. You do the same thing but expect different results.
  7. You’d rather “manifest” your bank balance.

Your 12-Week Roadmap:

Deliverables & Scope of Work

  1. CPR Framework

    • We’ll kick things off by figuring out what’s holding you back: sales, profit, or efficiency—and tackle it head-on!

  2. Financial Check-up

    • Let’s take a quick look at your Xero setup and gather the key numbers we need.

  3. Price & Cost Tune-up

    • We’ll find those hidden profit leaks, optimize your pricing, and slash unnecessary costs.

  4. Cash Flow Boost

    • Get your cash flowing smoothly with a 3-month buffer to keep things running stress-free.

  5. Profit First

    • Set up a solid, structured way to pay yourself first—and make sure profit’s never the afterthought!

  6. Debt-Busting Plan

    • If you’ve got debt, we’ll use the Debt Avalanche or Snowball method to clear it fast.

  7. Sweet Spot Focus

    • We’ll zero in on your unique offering, your best customers, and the systems that will help you grow revenue like crazy.

  8. Weekly Check-ins

    • Stay on track, solve any roadblocks, and keep the momentum going.

  9. Review & Level Up

    • We’ll wrap up with a look at what’s improved, finalize your strategies, and get you ready for even more growth.

  10. Profit Talk

  • Exclusive Financial Health Assessment

    What It Is: A one-on-one review of their current financial health, highlighting hidden profit leaks and cash flow issuesHow It Adds Value: Clients gain clarity on where they currently stand financially and what needs to change for them to become more profitable—helping them get immediate insight into their business.

    time is limited, invest in speed
     
    we need to be reminded rather than instructed
     

    monthly check-ins to ensure that the system is working and adjusted as needed for sustainable growth.

  • Our Community

  • The Dragon 100 is not just a typical mastermind. It’s designed to address the gaps in the marketplace:

    • Provides the right strategies to address business challenges.

    • Equips participants with the skills needed to execute.

    • Offers systems that streamline implementation and make it scalable.

      BONUS #3: Xero Setup Profit Hacks Guide ($297 Value)

      If you’re already using Xero—or plan to—this guide shows you exactly what settings, tags, and views to enable to make your profit visibility 10x clearer.

      So even if you’re not a “finance person,” your system will work like one.

BONUS #1: Profit-First Budget Builder Template ($297 Value)

Feel overwhelmed by spreadsheets? This plug-and-play template helps you set up your financial buckets and know exactly what to allocate where—without a finance degree.

This helps you get results FASTER with less confusion.

BONUS #2: “CEO Cash Flow Checklist” ($197 Value)

This simple 1-pager shows you what to review weekly so you stay in control without spending hours on reports.

Perfect if you struggle with “I don’t even know where to start.”

BONUS #3: Xero Setup Profit Hacks Guide ($297 Value)

If you’re already using Xero—or plan to—this guide shows you exactly what settings, tags, and views to enable to make your profit visibility 10x clearer.

So even if you’re not a “finance person,” your system will work like one.

Meeting Schedule & Duration

  • Initial Setup Call – 90 minutes

  • Bi-Weekly Strategy Calls – 60 minutes each

  • Weekly Accountability Check-ins – 30 minutes each

  • Final Review & Scaling Plan – 90 minutes

Apply Now for the Fractional CFO Program

The cost of doing nothing is higher than the cost of fixing it.

Every bad financial decision you ignore today adds to your dumb tax—profit leaks, cash flow stress, and missed opportunities.
You’re already paying for financial mistakes—so why not invest in fixing them instead?

The “Bet on Your Business” Guarantee

Betting on your business means making a change. Einstein said it best—doing the same thing over and over while expecting different results? That’s just crazy.

So, if you’re ready to do things differently, here’s what I can guarantee:

  1. Profit comes first – No more leftovers. We’ll build a system where you actually keep more of what you make.

  2. No more “Where did all my money go?” – Every dollar gets a job, and your bank account will finally reflect your actual profits, not just numbers on a screen.

  3. A clear cash plan – No more financial overwhelm. Just a simple system that works with Xero or QuickBooks, so your business starts paying you, not just covering expenses.


And the best part?

If you follow the process and don’t see results, you get your money back. No risk, no worries.

Look, I don’t want you to move forward just because there’s a safety net—I want you to move forward because you’re done with financial mess and ready to win.

So, what’s it gonna be? More stalling or transformation?

Apply Now for the Fractional CFO Program

What happens after the first 3 months?

After successfully implementing Profit First and stabilizing your finances, you’ll be ready to scale and systematize your business for greater growth and efficiency.

Continue at $5,000 per month after your first 3 months and unlock:

  1. Strategic CFO Support – Refine and adjust your financial strategies to optimize profitability and handle new challenges

  2. Run Your Business Like a Well-Oiled Machine Build and fine-tune systems that streamline operations, enhance efficiency, and empower your team through effective delegation, freeing up your time for growth

  3. Sweet Spot Focus – Identify and leverage your unique strengths, top customers, and revenue-driving systems for sustainable growth


Why $5,000 per month?
A full-time CFO typically costs $10K or more per month.

At just $5,000 per month, you’ll have access to expert-level financial strategy and support without the overhead of a full-time hire.

This ensures you get high-level insights, strategic planning, and tailored solutions for scaling your business—without the cost and commitment of a full-time CFO.

Apply Now for the Fractional CFO Program

HERE'S WHAT YOU'll GET WITH FRACTIONAL CFO PROGRAM

Value $997

Deliverable #1:
Profit Audit Session

We’ll audit your real financial data to reveal how much profit you’re actually keeping — and where money is leaking across expenses, taxes, or operations.

Benefit: You’ll receive a clear diagnostic showing the gaps between your current performance and an ideal profit structure — with recommended fixes prioritized for action.

What it means to you: This isn’t just another report. It’s the strategic clarity you need to protect your margins, regain control of your cash flow, and make confident, profit-driven decisions going forward.

Value $750

Deliverable #2:
Set Up Your Profit-Ready System

We’ll help you create and configure 3 strategic bank accounts, set up smart bank rules for automation, and build a report that shows how your cash compares to your actual profit — so you always know where your money’s really going.

Benefit: You’ll have a clean, automated setup that separates cash for profit, expenses, and owner’s pay — and a live view of whether your business is truly profitable or just cash-rich on paper.

What it means to you: No more messy accounts, no more guessing. You’ll finally see real-time numbers that make sense — and feel confident knowing your system is designed to protect your profit, not just track your spending-— So your money finally works like a well-oiled machine — no more “where did it all go?” moments at the end of the month.

Value $1,500

Deliverable #3:
Budget for the Year

We’ll build a simple, 12-month budget based on your real numbers — then give you a live report that compares what you planned to spend versus what you’re actually spending and earning. In real time.

Benefit: You’ll always know if you’re on track or going off course — with a clear, quarter-by-quarter money plan and live updates showing where your business stands.

What it means to you: No more flying blind or waiting until year-end to see if you made money. You’ll have a clear roadmap and a real-time dashboard that acts like your business GPS — so you can course-correct quickly and stay profitable all year long.

Value $1,500

Deliverable #4:
The Cash Confidence Plan

We’ll break down how much money is coming in, what’s going out, and what needs to happen each month to cover your expenses, pay yourself, and grow your profit — without running short.

Benefit:
You’ll get a practical, forward-looking cash flow plan that helps you see whether your income supports your business goals — and what to adjust before problems show up.

What It Means For You:
No more second-guessing spending decisions or holding your breath before payroll. With your Cash Confidence Plan, you’ll know exactly what’s safe to spend, what to set aside, and how to stay in control — even during slow months.

Value $2,250

Deliverable #5: Support (3 Months)

Get hands-on guidance to implement and refine your cash allocation over 3 months — with expert eyes on your setup, transfers, and tweaks along the way.

Benefit: Receive personalized support, real-time answers, and practical adjustments tailored to your business goals and cash flow habits.

What it means to you:  Enjoy ongoing expert help that transforms your money management into a consistent, profit-driving system — so you always know what to do with your income, without the guesswork or overwhelm.

But That's Not All... You Also Get

Value $400

Bonus #1:
Breakeven Calculator

Many entrepreneurs copy competitors’ pricing and add a markup, assuming they’re profitable because their selling price exceeds visible costs like hourly rates or service fees. But they often miss hidden costs like staff downtime.

Benefit: The Breakeven Point eliminates the guesswork, allowing you to pinpoint exactly when you’ll start turning a profit.

What It Means For You: It’s a powerful tool to address a common question “Why are our sales so high, but we’re not profitable?”

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Determine the moment your business starts generating profit with the Break-Even Calculator. Simply plug in your costs, pricing, and sales data to pinpoint when revenue will cover all expenses.

Benefit:
Gain a crystal-clear understanding of your financial thresholds, enabling you to make data-driven decisions that accelerate your journey to profitability.

What It Means For You:
Navigate your business like a pro—know exactly when you’ll break even, identify cost drivers, and fine-tune your pricing and sales goals to achieve profit faster.

Value $850

Bonus #2:
Lifestyle Calculator

Many entrepreneurs face a disconnect between their business income and personal lifestyle needs, often leading to cash flow issues. Use this tool to reverse engineer how much your business needs to generate to fund the lifestyle you desire.

Benefit: Achieve both business growth with personal financial freedom, no more confusion or mixed-ups!

What it means to you: You’ll now know exactly how much money your business needs to generate to afford the lifestyle you want. No more wondering “Why am I working so hard but never have enough?” This tool helps ensure your business is working for you, not the other way around.

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Many entrepreneurs face a disconnect between their business income and personal lifestyle needs, often leading to cash flow issues.

Benefit: Reverse-engineer your ideal lifestyle to determine the exact business income you need.

What it means to you: Build a business that funds the life you desire—ensuring both financial stability and personal fulfillment.

 

Value $850

Bonus #3:
Pay Yourself Calculator

Many entrepreneurs are confused about how to pay themselves—salary, profits, dividends, loans, and owner’s drawings. It’s no surprise — the accounting system is built for accountants, not for people actually running businesses!

Our “no-nonsense” Pay Yourself Plan helps you set a fair and sustainable salary based on your business’s actual cash flow and profitability, so you don’t have to guess anymore.

Now that you know your minimum sales from Bonus #1 (Break-Even Calculator) and you’ve aligned your sales target with your personal goals in Bonus #2, we can calculate exactly how much you can pay yourself—in salaries, profit distributions, or both.

Benefit: Pay yourself with confidence, knowing exactly how much your business can afford, while keeping your business financially healthy.

What It Means for You: No more “How much can I pay myself” confusion. You’ll avoid overpaying or underpaying yourself, strike the right balance between reinvesting in your business and rewarding your hard work—and most importantly, gain financial peace of mind.

======

Discover the optimal way to compensate yourself from your business profits.

Benefit: Determine the perfect balance between reinvesting in your business and rewarding your hard work with the income you deserve.

What it means to you: Secure your financial well-being by ensuring you’re not undervaluing your contributions while fueling your business’s growth.

Here's Everything You're Getting Today

What’s Included in the $6,997 Package: 

  1. Profit Audit ($1,000 Value)
    Find where your money is leaking, what to fix, and what to prioritize now.

  2. Profit-Ready Financial System Setup ($1,250 Value)
    We’ll set up 3 key bank accounts, smart rules in Xero/QuickBooks, and a cash vs profit tracker.

  3. Cash Confidence Plan (12-Month Budget Forecast) ($750 Value)
    Know exactly what you can spend, save, and pay yourself — with a rolling forecast to guide your moves.

  4. Cash Flow Review Sessions (90 Days) ($750 Value)
    Monthly expert sessions where we review real numbers and give you clear next steps — no guesswork.

  5. Real-Time Dashboards ($750 Value)
    Track exactly what’s happening in your business with simple, visual reports.

  6. 12-Month Cash Flow Forecast ($750 Value)
    Receive a comprehensive cash flow forecast to ensure your business stays on track.

  7. Live Actual vs Budget Tracking ($750 Value)
    Get real-time tracking to see exactly where your business stands against your goals.

  8. 12-Month Budget Setup in Xero or QuickBooks ($750 Value)
    Set up a personalized 12-month budget directly in Xero or QuickBooks for seamless tracking.

  9. Monthly Financial Check-Ins with Clear Next Steps ($2,250 Value)
    Monthly sessions to review your progress, answer questions, and ensure you’re on track.

  10. Stay on Track with 3 Months Accountability ($600 Value)
    Stay accountable with monthly check-ins to ensure you’re meeting your financial goals.

  11. 3 Months “Ask Me Anything” Sessions ($300 Value)
    Access to monthly sessions to ask any financial questions you need answered, keeping you confident.

  12. Access to our community that has 2 x per month ask me anything, financial management courses and 

  13. Christina Profit First Masterclass so that you can have a system that… ($4,997 Value)

  14. 2 day live course through zoom so that you can implement the steps in the course ($997 Value)

  15. 2 hour coaching sessions bi-weekly a total of 26 sessions ($26,000 Value)

  16. Total Value $31,994

  17.  


Total Value of Deliverables: $8,400

  1. BONUS #1 – Breakeven Point – Minimum Sales Needed ($500 Value)

  2. BONUS #2 – Align Sales Target with Personal Goals and Pay Yourself with Confidence (Lifestyle Calculator) ($1,000 Value)

  3. BONUS #3 – Pay Yourself Calculator ($1,000 Value)

Total Value of Bonuses: $2,500

Total Value: $10,900

But today you are getting all of this

for only $6,997

— a 3-month package that will transform your financial systems!

Yes! I Want Consistent Profitability Now!

❓ Frequently Asked Questions

Time & Commitment

1. How much time do I need to commit per week?

Most of my clients spend just 1-2 hours a week reviewing their insights and taking action—less time than they spend on Netflix! The goal isn’t to overwhelm you but to make managing your money easy (and actually doable). You’ll be handling your finances like a boss—without sacrificing your free time.

No strict deadlines—unless you count our fun 90-day challenge to fast-track your results! Many clients start seeing changes within 30 to 60 days, and by 90 days, they’ve achieved measurable improvements.

But if life happens and you need more time, that’s fine too—you’re in control. Whether you go all-in for faster results or take it slow, the system is built to work at your pace, on your schedule.

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most biz fail in 1st 90 days
they just take 5 yrs to realise

you don’t turn around right away because you’re still hopeful or don’t want to admit the mistake.
 

Financial Concerns

3. I'm already running at a loss—can this program help me turn things around?

Absolutely. If you’re operating at a loss, our first priority is to help you regain control. We start by streamlining your expenses—cutting the unnecessary spending so that, eventually, you’re not overspending your revenue (because who likes red ink, right?). Once you’re on more sustainable ground, we roll out simple, step-by-step cash management strategies tailored just for you. It’s like upgrading from a clunky old car to a sleek, efficient ride—each step nudging you steadily from loss to profitability. Let’s kick that loss to the curb!

Within 90 days, most clients see measurable improvements that might even make your skeptical accountant raise an eyebrow. Many report a 10-30% increase in cash reserves, thanks to a smarter way of dividing your money so that your bank balance shows real cash—not just those elusive paper profits. 

If you implement our strategies and don’t see measurable financial improvements after 60 days, we’ll issue you a refund. We’re that confident our system works—if it doesn’t, you get your money back. It’s like our “if you don’t high-five us with your success, we’ll return your money” guarantee.

Practical Use

6. I'm not good with numbers —can I still manage my finances effectively?

Absolutely! As an entrepreneur, your finances aren’t just numbers—they’re survival. If your financial system is broken, it’s only a matter of time before it catches up with you.

But here’s the good news: You don’t need to be a numbers person—you just need a system that works with your natural behavior, not against it. We install our unique cash management system right inside your Xero account, so your bank balance reflects actual cash, not just numbers on a screen.

Think about how you brush your teeth every day—you don’t stress about it, you just do it. Managing your finances should feel just as natural. With the right approach, good financial habits become automatic, not overwhelming.

You don’t need to love numbers—you just need to take control before numbers control you.

No problem! Whether you’re new to Xero or moving over from another system, we’ve got you covered.

We’ll set up Xero from the start or bring in your existing balances, then install our simple cash management system so you can ditch the old, confusing GAAP accrual accounting and manage your cash without the headache.

How the Program Works

8. Is this program hands-on, or do you do everything for me?

It’s a mix of both!

We do the heavy lifting—setup, analysis, and strategy

—while you put the plan into action.

Think of us like your financial personal trainer: we’ll guide you every step of the way, but you’re the one doing the reps.

Don’t worry, you’re in great hands. We’ll make execution as easy and fun as possible!

Bookkeepers and accountants are great for handling past numbers and last year’s taxes—but be honest, how’s that working for you so far?

We focus on the future, giving you actionable plans to grow your business.

Think of it like ditching your flip phone for an iphone—it’s time to level up your financial game!

Yep! Ongoing support is optional. But most clients continue because they love the impact on their profits and want to grow even more. If you ever want to cancel, just let us know before your contract ends, and you won’t be enrolled for the next quarter. No awkward goodbyes—unless you’re high-fiving your way to financial freedom!

Common Hesitations

11. What if I don’t think I need this yet?

For years, I drove without thinking about gas, warning lights, or what to do if something went wrong. My husband handled it—I assumed everything would be fine.

Until one day, I got into a near-fatal accident. That was my wake-up call. Just because I had a driver’s license didn’t mean I was truly in control.

Entrepreneurs have a “business license,” but that doesn’t mean they’re financially in control. Many assume things will work out—until they don’t. They ignore cash flow, pricing, and profit margins, or rely on someone else to notice problems.

But here’s the hard truth: What you don’t know can kill your business.

Don’t wait for a financial crash to wake you up. Get clarity now—before it’s too late.

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cost of doing nothing:
– money goes into expenses instead of profit
– u work harder for less
– evryday you wait, profit is slipping away form your fingers
– COI

For a business earning $100,000 a year, the ROI is getting to $1 million. But COI makes it clearer: “By not taking action, you’re losing $900,000 each year.”

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No one thinks they need financial clarity—until they’re in panic mode.

It’s like skipping a health check-up because you feel fine—until one day, you don’t. By the time you realize something’s off, you’re in full-blown crisis mode, Googling symptoms and hoping WebMD is wrong. Skipping financial clarity is like ignoring a weird noise in your car—until one day, it breaks down on the highway. i was in a near death accident cos of that

Smart entrepreneurs don’t wait until their bank account gives them a heart attack. You don’t have to go all-in—just start.

The simplest step? Getting clarity. A quick financial check-up can spot leaks, uncover hidden profit, and create a plan—before your cash flow starts flatlining.

Start with a Clarity Session and take control now—before your business needs CPR.

=====

No one thinks they need financial clarity—until they’re in panic mode. Smart entrepreneurs fix their finances before they’re forced to. You don’t have to start big—just start.

The most basic step? Getting clarity. A simple financial check-up can help you spot leaks, uncover hidden profit, and create a plan—before issues turn into crises. Start with a Clarity Session first. 

why planning doesnt work
 
nothign happens in the absnec of a decision
 
are you playing the game to win, or are you playing not to lose?
 

It’s a common belief—but also the reason many entrepreneurs stay stuck.

We often think we need Clarity before we can commit. But in reality, it’s the other way around.

The entrepreneurs who actually hit their goals—especially the ones that feel out of reach—do it by starting with the 3Cs:

  • Commitment to making a change

  • Certainty that their goals are possible (even if they don’t know how yet)

  • And then comes Clarity, which grows as they take action and get guidance.

Waiting for perfect clarity before you commit usually leads to overthinking, self-doubt, and more delays. That’s why Step 1 of my CFO program is Clarity—but not the kind you have to figure out alone.

On our first Zoom call, we’ll uncover your profit goals, identify the bottlenecks in your business, and stop the financial guesswork. You’ll finally see the numbers clearly—and know exactly where to focus.

So if you’re not clear yet, this isn’t a reason to wait.
It’s the reason to start.

More sales won’t fix a broken system.

If your business is a leaky bucket, adding more revenue just means more profit slipping away.

Scaling without clarity doesn’t solve problems—it multiplies them.

The issues you have at $100,000 won’t disappear at $1,000,000. They’ll just get bigger. 

So… do you want to MOP up a $1,000,000 mess later,

or SWEEP a $100,000 mess under the carpet now? 

Let’s be realistic—if “fixing finances” is on your someday list, it’s probably hanging out with “start working out” and “finally clean the garage.”

The problem?

Money problems don’t wait for you. Most entrepreneurs only pay attention when cash flow punches them in the face.

Fix it now, while you still have a choice—before your bank balance makes it for you.

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Every day you wait, you’re losing money—inefficient cash flow and poor profit allocation are draining your business.
 
someday illusion
comforting lie

Highlight how Profit First simplifies their finances and saves them time in the long run.

Show how the system has worked across industries, even for businesses similar to theirs.

Explain how your services will work in tandem with their accountant to provide clearer financial strategies.

Got more questions? Shoot us an email at info@cfo.sg – we’re always here to help, no boring accounting jargon, just straight-up advice!

Without wanting to sound too harsh – we’re not a fit for everyone.

This isn’t a miracle solution or magic wand that makes money appear out of nowhere. It’s financial management. Effective, proven financial management, but financial management nonetheless.

When you click on the “Start Your Application” button, you’ll be taken to a brief survey. This will help us understand where you are in your financial journey and how we can best support you in enhancing your financial strategy for greater profitability.

We also want to ensure we’re the right match for each other. That’s why we ask: Are you ready to invest in your business’s financial success? We work with entrepreneurs at various stages of growth, and we understand that financial situations vary. This helps us ensure we can provide the most value based on where you are now.

Our application process clarifies whether we’re the right fit. The outcome of the survey will clearly state:

  • Yes, we can help – Fantastic! You’ll proceed to book a call with us.
  • No, not right now – But we’ll provide actionable steps and a video to guide you toward improving your financial situation.


Either way, we’ll ensure you know the best path forward.

START YOUR APPLICATION

This is a Done With You service. We create a strategy for your financial management tailored to your business, products, and market. We then guide you through implementing every step of the strategy.

Leaving you in a position to manage your finances with confidence—or have your VA or team member do it.

BONUS #1 – Expense Chopper ($850 Value)
See how trimming just a few costs can boost your bottom line.

BONUS #2 – Pricing Calculator ($1,500 Value)
Optimize your pricing strategy to ensure you’re maximizing profit while staying competitive.

BONUS #3 – Pay Yourself Calculator ($850 Value)
Determine how much you should pay yourself and ensure financial sustainability.

Give Me Instant Access to the Profit First Accelerator