Financial strategy
Set financial goals that match where you want the business to go, and know which moves will get you there.
Fractional CFO
Know your numbers. Then use them to grow.
I help growing businesses get better cash flow, stronger margins, reliable forecasts and a clear financial strategy. You get the leadership of a seasoned CFO, without the cost of a full-time hire.
26+years of executive finance leadership
$1.6B+in operating and capital portfolios managed
Hospitality, multi-entity and government expertise · Based in San Antonio, serving clients nationwide
Monthly close
| Revenue | $842,500 |
| Cost of sales | (512,300) |
| Gross profit | 330,200 |
| Payroll | (148,900) |
| Rent & operating | (71,450) |
| Operating income | 109,850 |
| Operating margin | 13.0% |
| Healthy. Hold prices through the holidays. | |
Meet Ann Guajardo
Experienced financial leadership without the full-time CFO overhead.
Ann has spent more than 26 years in executive finance leadership, with deep experience in hospitality, multi-entity organizations and government. Through Ann Guajardo & Associates, she works directly with owners and executives of growing businesses as their part-time CFO.
This isn't bookkeeping or accounting. Ann helps owners understand their numbers, improve cash flow and profitability, build forecasts and budgets, and evaluate major decisions, with CFO-level leadership and without the cost of a full-time CFO.
Your bookkeeper or accountant
Records what happened. Closes the books, files the taxes, keeps you compliant.
Ann, as your fractional CFO
Explains what the numbers mean, looks at what's coming, and helps you decide what to do next.
Most businesses don't lack financial data. It's scattered, backward-looking, or never turned into a decision. That's the gap Ann fills.
Who I help
For businesses that have outgrown basic bookkeeping.
If the business is growing faster than its financial reporting, this is where a fractional CFO helps most.
Businesses I work with
- Growing businesses that need more financial structure
- Businesses with multiple locations or entities
- Owners who need clearer, more timely reporting
- Companies that have outgrown basic bookkeeping
- Businesses preparing for a loan, investor or major decision
Problems I help solve
- "Sales are up, but cash is still tight."
- "I'm not sure which services, locations or customers actually make money."
- "There's no real budget or forecast, so every decision feels like a guess."
- "Our reports show up late, or don't tell me what to do."
- "The bank wants numbers we don't have ready."
Industries served Hospitality · Restaurants · Real estate · Construction · Nonprofits · Professional services · Retail · and other growing businesses
What I do
Financial leadership for the decisions that matter.
From cash flow and forecasting to profitability and growth planning, I help you understand what's happening in the business, and what to do next.
Cash flow management and forecasting
See the cash coming in and going out months ahead, so you know when you can hire, buy or expand.
Budgeting and forecasting
A realistic budget built on your real numbers, checked against actual results, with scenarios for the what-ifs.
Profitability and margin analysis
Learn which services, locations or customers make money and which cost you, so you know where to push and what to fix.
KPI dashboards and reporting
A short monthly report on the numbers that matter most to your business, clear enough to act on.
Controls and risk management
Stronger approval and review steps that catch errors early, so you can trust the numbers you're deciding with.
Fractional CFO packages
Three levels of support. Each one builds on the last.
A monthly fee, based on how much of Ann's time and planning your business needs.
Growing Business
For small businesses ready to grow profitably.
$2,500/ month
- Monthly financial review
- Cash flow forecast and budget vs. actual
- KPI dashboard, up to 10 KPIs
- One strategy meeting per month
What it means for your business
Schedule a consultation
- Know where the business stands every month
- Spot cash shortfalls before they hit
- A CFO to call when questions come up
Strategic Growth
For businesses scaling and managing more complexity.
$4,000/ month
- Everything in Growing Business, plus:
- Rolling forecasts and scenario modeling
- Profitability and margin analysis
- Executive dashboard, up to 15 KPIs
- Two strategy meetings per month
What it means for your business
Schedule a consultation
- Plan hires, purchases and pricing with real forecasts
- Know which services and customers drive your profit
- Regular strategy time to act on the numbers
Executive Partner
For organizations that want a CFO at the table.
$6,500+/ month
- Everything in Strategic Growth, plus:
- Capital planning and investment analysis
- Board, lender, M&A, financing and valuation support
- Ongoing executive strategy support
What it means for your business
Schedule a consultation
- Walk into bank, investor and board meetings prepared
- A CFO's view on financing, acquisitions and big investments
- Executive-level support as decisions come up
Compare packages side by side
Every package includes a monthly financial review, a cash flow forecast and budget vs. actual analysis.
| What differs | Growing Business$2,500 / month | Strategic Growth$4,000 / month | Executive Partner$6,500+ / month |
|---|---|---|---|
| KPI dashboard | Up to 10 KPIs | Executive dashboard, up to 15 KPIs | Executive dashboard, up to 15 KPIsPlus advanced KPI and performance metrics |
| Strategy support | One meeting per month | Two meetings per month | Ongoing executive strategy support |
| Email and phone support | Included | Priority | Priority |
| Rolling forecasts and scenario modeling | Not included | Included | Included |
| Profitability and margin analysis | Not included | Included | Included |
| Improved cash flow strategy | Not included | Included | Included |
| Capital planning and investment analysis | Not included | Not included | Included |
| Board and lender reporting support | Not included | Not included | Included |
| M&A, financing and valuation support | Not included | Not included | Included |
| Comprehensive CFO guidance | Not included | Not included | Included |
Growing Business $2,500 / month
- Monthly financial review
- Cash flow forecast
- Budget vs. actual analysis
- KPI dashboard (up to 10 KPIs)
- One strategy meeting per month
- Email and phone support
Strategic Growth $4,000 / month
- Everything in Growing Business
- Rolling forecasts and scenario modeling
- Profitability and margin analysis
- Improved cash flow strategy
- Executive dashboard (up to 15 KPIs)
- Two strategy meetings per month
- Priority email and phone support
Executive Partner $6,500+ / month
- Everything in Strategic Growth
- Capital planning and investment analysis
- Board and lender reporting support
- M&A, financing and valuation support
- Advanced KPI and performance metrics
- Ongoing executive strategy support
- Comprehensive CFO guidance
One-time projects
Not ready for a monthly package? Start with a project.
A focused piece of work with a clear result, for one specific need.
Financial diagnostic
A review of your books, cash and reporting, with a plain-English list of what's working, what isn't and what to fix first.
Contact for starting priceCash-flow review
Where your cash is going, why it feels tight, and a short-term cash forecast you can keep using.
Contact for starting priceBudget and forecast build
A realistic budget and forecast built from your real numbers, with best- and worst-case scenarios.
Contact for starting priceKPI dashboard
The handful of numbers that matter most to your business, set up in one dashboard you can check every month.
Contact for starting priceProfitability analysis
Margin by service, location or customer, so you know where you make money and where you don't.
Contact for starting priceInterested in a project? Schedule a complimentary consultation and tell Ann what you need.
How it works
What happens when you reach out.
No proposal process and nothing to prepare. It starts with a conversation.
- Step 1
Complimentary 30-minute consultation
Tell Ann about your business and what you want to fix or plan for. You'll both know quickly whether fractional CFO support is the right fit.
- Step 2
Choose a package
Pick the level of support that fits where the business is today. You can move up as it grows.
- Step 3
A monthly rhythm
Each month: a review of your numbers, your KPI dashboard, and strategy meetings to decide what to do next.
About Ann
Numbers are only useful if they help you decide.
Ann has spent her career in executive finance, where every report had to lead somewhere: a budget approved, a project funded, a cost cut. She started Ann Guajardo & Associates to bring that same discipline to growing businesses that aren't ready for a full-time CFO.
She believes owners don't need more reports. They need someone who knows the numbers, tells them plainly what's going on, and helps them make the call.
Working with Ann
- You work with Ann.A senior finance executive reviews your numbers and sits in your strategy meetings.
- Plain English.You get a clear read on what the numbers mean, not a stack of spreadsheets.
- Practical and hands-on.The focus is the next decision in front of you and the steps to act on it.
- Available between meetings.Reach her by email and phone as questions come up.
Questions
Common questions.
Do you replace my CPA or bookkeeper?
No. I work alongside them. Your bookkeeper keeps the books and your CPA handles taxes. I use what they produce to explain what the numbers mean and help you plan what's next.
Do you work remotely?
Yes. I work with clients virtually anywhere, and I'm also available for in-person meetings with clients in the San Antonio area when appropriate.
What size businesses do you work with?
Small to mid-sized businesses that have grown to the point where they need stronger financial leadership, but may not need or be ready for a full-time CFO. Businesses from roughly $1 million to $100 million+ in revenue can benefit, depending on their needs.
How quickly can we get started?
I can generally begin working with a new client within 1–2 weeks, depending on the scope of the engagement. For urgent projects, I may be able to begin sooner.
Let's grow your business, together
Schedule your complimentary 30‑minute consultation.
Pick a time that works for you, or reach Ann directly by phone, email or the form. Either way, you'll hear back from her.
Schedule a complimentary consultationPhone210-605-4206
LocationSan Antonio, Texas · Serving clients nationwide