Virtual CFO in Mosman

Your numbers in 90 days. Fixed scope, fixed price, then it stops.

Mosman runs on boutique professional firms, allied health practices, and property businesses around Military Road and Spit Junction.

Premium, owner-run, profitable, and still without a clear forward view of cash. The 90-Day Number builds the layer your bookkeeper was never meant to own, and hands it over on day 90.
See if you're a fitBook a 30-min intro
Senior finance for $2m-$15m Sydney businesses. The work is led by Chartered Accountants, with experience across public, private, and owner-led businesses.

Every virtual CFO sells a retainer. We sell a deliverable.

$17,850

+ GST
That is $5,950 a month for three months, then it stops. Fixed. No retainer pressure after day 90.
what's included

Four deliverables. Two modules. One fixed price.

Everything that lands in your hands by day 90, built around how a Mosman firm or practice actually runs. No more, no less.
1
A simple 13-week cashflow model
Tied to fee timing and debtors for a firm, patient billing and payroll for a practice, or commission and settlement timing for property. Five minutes every Monday and you know what is in the bank across the quarter.
2
Three KPIs that drive the week
For a firm, usually utilisation, realisation, and lock-up days. For a practice, revenue per practitioner, payroll as a share of revenue, and occupancy. Set to your model, reviewed every Friday.
3
A 12-month budget
The plan you run the year by, with the next adviser, practitioner, or hire costed against the run rate. Assumptions you can defend to a board or a bank. Updated monthly, not filed once.
4
A one-page board readout you want to read
Revenue, margin, cash, KPIs, headcount, on a single page. The page you would hand a bank, a buyer, or yourself in twelve months. No eighty-slide pageantry.
5
Headcount & Capacity Planning
Maps your hiring plan to revenue, cash, and output. Whether demand supports the next adviser, or occupancy supports the next practitioner. Trigger logic for when you commit.
6
Margin & Pricing
Gross margin where it lives: by service and client for a firm, by practitioner and treatment for a practice. Pricing and fee scenarios modelled. The numbers behind a real business, not a busy one.
who it's for

Built for $2M to $15M Mosman owners past instinct, short of a CFO.

Three profiles where the 90-Day Number consistently lands here.

The boutique advisory or professional firm owner.

You run a private wealth, legal, or advisory practice around Military Road or Spit Junction.

A small, premium team billing $2M to $5M at strong margins, but the books blur owner drawings with real profit, and cash is lumpy between quarterly fees.

You are profitable, and you still cannot say by how much.

The allied health practice owner.

You run a dental, medical, or allied health practice, often across two locations near Military Road.

Revenue around $5M, payroll close to 50% of it, and the levers that matter most are revenue per practitioner and chair or room occupancy.

The forward view is the part nobody currently owns.

The property or real estate business owner.

You run a real estate agency or property business on the lower north shore.

Revenue near $4M, but it arrives in commission and settlement lumps, so a strong month and a quiet quarter can sit side by side.

You need cash you can see past the next settlement, not after it.
why owners pick this

Why Mosman owners pick this over an indefinite retainer.

Four reasons the structure of the 90-Day Number works where the standard virtual CFO retainer does not.
A 90-day decision point
The standard offer is an open-ended retainer at $4K to $8K a month with no end date. You sign on in March, cannot tell if it is working by July, feel awkward cancelling by September. This ends on day 90 by design. You decide what is next: continue, project work, or wrap with the four deliverables.
One fixed price, on the page
$5,950 a month for three months. $17,850 total, fixed. Not "from $X", not "$300 an hour", not "scoped after a discovery call". You set your own fees with confidence. You should expect a CFO to set theirs.
One named CFO, every week
Same person on day one, day forty-five, day ninety. Not a roster, not an account manager between you and the senior. You meet your CFO on the intro call and they run the engagement. Founder-direct, no layers.
Four documents, not eighty slides
We hand over the cashflow model, the three KPIs, the budget, and the one-page board readout. If it does not fit in those four documents, it is not strategic finance. It is theatre.
If your virtual CFO can't tell you the deliverable on day 90, you don't have a virtual CFO. You have a retainer.
how to start

Four weeks to a finance function. Twelve more to operate it.

Book a 30-minute intro. We talk through your stage, your numbers, and what you are trying to work out.

We can meet in person around Mosman and the lower north shore, or over a call.If the 90-Day Number is a fit, we send a scoping doc within 48 hours and start the following Monday.

The diagnostic lands at the end of week one. The model is working by week four. The board readout is in your hands on day 90.
Book a 30-min intro

Contact Us

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Frequently Asked Questions

The questions founders ask before signing. Plain-English answers.
Do you work with Mosman boutique professional and advisory firms?
Yes, they are a core part of the work here. The strip around Military Road and Spit Junction is full of private wealth, legal, and advisory practices between $2M and $15M. They are usually high-margin and owner-run, with one recurring gap: no forward view of cash, and no clean line between owner drawings and real profit. That is the layer a virtual CFO builds.
We run an allied health practice in Mosman. Is this built for us?
It is. Dental, medical, and allied health practices are a major Mosman cluster. The numbers that matter are revenue per practitioner, payroll as a share of revenue, and chair or room occupancy. The 90-Day Number gives you a budget and a 13-week cashflow that track those levers, especially if you are running or opening a second location.
We are a property or real estate business. Does this fit?
Yes. Property and real estate income arrives in commission and settlement lumps, which is exactly why a strong month does not always mean a comfortable quarter. The 13-week cashflow maps settlement timing and commission against your fixed costs, so you can see the cash before it lands, not after.
What does $17,850 +GST buy a Mosman owner?
Three months of senior virtual CFO work and four named deliverables: a 13-week cashflow model, three KPIs, a 12-month budget, and a one-page board readout. Plus two modules, headcount and capacity, and margin and pricing. Fixed price, billed as three monthly payments of $5,950, then it stops.
How is this different from my accountant?
Your accountant handles the backward view: tax, structuring, compliance, year-end. We handle the forward view: cashflow, budget, KPIs, the decisions in front of you this quarter. Most owners need both. We work alongside your accountant, not instead of them.
Do you meet in person around Mosman?
Yes. We can meet around Mosman and the lower north shore for the kickoff and key sessions, and run the weekly cash and KPI reviews remotely. Most of the work between calls is async. The point is the rhythm, not the commute.
My income is lumpy, fees or commissions or settlements. Can a 13-week cashflow handle that?
That is the case it is built for. Lumpy income against steady costs is the core reason a profitable Mosman business can still feel tight. The 13-week model maps when money actually arrives against payroll and supplier runs, so you see the quiet stretch before it bites.
What KPIs make sense for a health practice?
Usually revenue per practitioner, payroll as a share of revenue, and chair or room occupancy, though we set them to your practice in week one. The test is three numbers that move revenue, margin, or cash, reviewed every Friday, not a thirty-metric dashboard.
I cannot tell my drawings from real profit. Does this help?
Yes, this is one of the most common issues we untangle for owner-run Mosman firms. We separate owner drawings from operating profit in the budget and the board readout, so you can finally see what the business actually earns, distinct from what you take out of it.
We have outgrown the bookkeeper but cannot justify a finance hire. Is this the in-between step?
Yes, that is the exact gap. A full-time finance lead at this stage is a $200K to $300K commitment with super, leave, and recruitment on top. This builds the layer that hire would own, hands it over documented, and leaves you running it for a fixed $17,850.
What happens after day 90?
You have the four deliverables and a working operating rhythm. We have a short conversation about what is next, with three honest options: continue on an optional monthly retainer with no lock-in, take on a scoped project, or wrap with the deliverables and stay in touch.
Is there a lock-in or minimum term?
No. The 90-Day Number is fixed at $17,850 +GST and ends on day 90. It does not auto-renew. If you continue afterwards, that is month to month with no lock-in either. You decide what is next, not a contract.
Pitt Street, Sydney
Chartered Accountants Australia & New Zealand Member
hello@sydneyvirtualcfo.com
ImpactThe 90-Day NumberWhy UsHow To StartAboutFAQsBlog