When to Hire a Fractional CFO vs a Full-Time CFO
Compare fractional and full-time CFO options for growing businesses. Learn the cost difference, engagement models, and signs you are ready to upgrade.
At some point, every growing business needs financial leadership beyond bookkeeping. The question is whether that leadership requires a full-time hire or a fractional arrangement.
Full-Time CFO: When It Makes Sense
A full-time CFO typically costs $150,000 to $250,000+ in total compensation in the Phoenix market. This investment is justified when:
- Revenue exceeds $20 to 50 million and financial complexity demands daily oversight
- You are managing multiple entities, international operations, or complex capital structures
- You have a board of directors requiring continuous reporting and governance
- M&A activity is frequent and requires dedicated deal support
Fractional CFO: The Sweet Spot for Growing Businesses
For businesses between roughly $1 million and $20 million in revenue, a fractional CFO often delivers 80% of the value at 20% of the cost.
Andy Ibarra at Certified Advisors offers fractional CFO services with CPA and CFP credentials. Learn more about our fractional CFO services.
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