There's a stage where a business has outgrown "the bookkeeper does the books and we look at taxes in April" but can't justify a six-figure CFO salary. The symptoms are familiar: growing revenue with shrinking cash, no forecast beyond this month, pricing set by feel, a loan application you're not sure how to package, and financial questions with no one to ask. Decisions get made anyway — just without the analysis they deserve.

A fractional CFO closes that gap: executive-level financial leadership, part-time, at a defined monthly fee. The Hubbard Accounting Firm is located in Cartersville, GA, serving businesses across Northwest Georgia, and brings a combination that's hard to find locally. 

Kyle Hubbard, CPA's risk advisory, internal controls, and process experience from PwC, EY, and KPMG, plus Ashley Hubbard, MAC's Grant Thornton corporate tax background. You get the analysis of a national firm and a partner who knows your business by name, meeting you monthly or quarterly and available when the big decisions come up.

Note: This is a reporting and advisory service — we never take custody of your funds or hold signing authority over your accounts, and we do not provide investment advice. It is not an audit, review, or other assurance engagement. Virtual monthly meetings are included; in-person attendance is available at an additional cost.

Fractional CFO Business Advisory Services

Strategic Financial Planning

A financial roadmap tied to where you're taking the business: growth targets, hiring and capacity plans, pricing strategy, owner compensation, and exit or succession thinking. Every major decision gets modeled before it's made — expand, hire, buy the equipment, take the loan — with the numbers on the table.

Cash Flow Management

Cash is where good businesses die. We build forward-looking cash visibility — including a 13-week cash view when timing is tight — manage the rhythm of receivables, payables, taxes, and debt, and plan for seasonality so payroll is never in doubt. You'll know your cash position next month, not just today.

Financial Forecasting & Budgeting

An operating budget built from your actual results, a rolling forecast updated as reality unfolds, and scenario models for the what-ifs — best case, worst case, and the plan for each. When a lender or landlord asks for projections, they're ready and defensible.

Financial Performance Analysis

A monthly or quarterly deep look at the numbers behind the numbers: margins by service line, revenue trends, cost creep, and the handful of KPIs that actually drive your business — presented in a dashboard you can read in five minutes, with a conversation about what to do next. Not a report that gets filed; a meeting that changes decisions.

Accounting System & Workflow Evaluations

We evaluate your accounting systems and reporting workflows — how transactions get captured, who does what, where the bottlenecks and error risks live — then streamline and document them. Drawing on Kyle's process simplification work at PwC, EY, and KPMG, the goal is financial operations that produce reliable numbers on time without heroics.