Finance that finally
makes sense.

A fractional CFO is a senior financial executive who works with your business on a part-time or contract basis rather than as a full-time employee. You get the same strategic financial leadership that large corporations rely on — cash flow planning, forecasting, financial modeling, and high-level analysis — at a fraction of the cost of hiring someone full time. For most small and midsize businesses, a fractional CFO is significantly more impactful than a bookkeeper or accountant because the focus is on strategy and forward planning, not just recording what already happened.

Your bookkeeper records what happened. Your accountant files your taxes and ensures compliance. GATHERS tells you what it all means and what to do next. We look forward, not backward. Instead of reporting last month's numbers, we build forecasts that show you where your business is headed, identify cash flow risks before they become crises, and give you the financial intelligence to make smarter decisions every day. We work alongside your existing bookkeeper and accountant rather than replacing them.

Our services start at $750 for a one-time clarity session and go up to $5,000 per month for full fractional CFO support. To put that in perspective, a full-time CFO costs between $200,000 and $400,000 per year in salary alone. GATHERS gives you the same level of expertise for 60% less. For a business doing $500,000 or more in annual revenue, the financial clarity and strategic guidance GATHERS provides typically identifies far more than the cost of the engagement in improved profitability, reduced waste, and smarter decisions.

Not at all. GATHERS is based in Tampa, Florida but serves clients across the United States entirely remotely. All of our work is delivered digitally through video calls, shared documents, and cloud-based tools. Many of our clients have never met us in person and receive the full benefit of our services. If you are local to Tampa and prefer in-person meetings, we are happy to accommodate that as well.

GATHERS works best with businesses generating between $300,000 and $20,000,000 in annual revenue. At this stage you are generating real revenue and making real decisions, but you likely do not have a dedicated finance team or the budget for a full-time CFO. That is exactly the gap GATHERS fills. If your business is earlier stage we offer one-time clarity sessions that can still provide enormous value. If you are larger and have complex needs, reach out and we will tell you honestly whether we are the right fit.

Most clients see meaningful clarity within the first 30 days. In the first month GATHERS audits your existing financial picture, identifies the key gaps, and builds your initial reporting and forecasting infrastructure. By month two you have a clear view of your cash position, your profitability, and where the opportunities and risks are. Strategic results like improved margins, better cash management, and smarter growth decisions compound over the following months as we work together consistently.

Less than you might think. You need to have some financial history — ideally at least six months of bank statements and basic bookkeeping records — and a genuine desire to understand your numbers better. You do not need sophisticated systems, a clean set of books, or any prior financial knowledge. In fact many clients come to GATHERS specifically because their finances are a mess and they do not know where to start. That is exactly what the initial deep dive is designed to address.

Absolutely and without exception. GATHERS treats every piece of client financial information with the same discretion a full-time CFO would apply inside your organization. Your data is never shared with third parties, never used for marketing, and never disclosed to anyone outside of our direct engagement. We are happy to sign a mutual non-disclosure agreement before any sensitive information is shared. Confidentiality is not just a policy at GATHERS — it is a professional standard we hold ourselves to on every engagement.

No. GATHERS does not require long-term contracts. Monthly engagements operate on a month-to-month basis and can be paused or ended with 30 days notice. We believe the quality of our work should be the reason you stay, not a contractual obligation. That said, financial clarity compounds over time — the longer we work together the deeper the insight and the more valuable the guidance becomes. Most clients who see results in the first 30 to 60 days choose to continue well beyond that.

The free clarity call is a genuine 30-minute conversation, not a sales pitch. We will ask you about your business, your current financial situation, and the specific questions or concerns you have. Based on what you share, we will tell you honestly what we see, what we think you need, and whether GATHERS is the right fit. If we are not the right fit for your situation we will tell you that too and point you in a better direction. There is no pressure, no obligation, and no follow-up unless you want one.