You manage 5-15 client books. Every month-end you face the same bottleneck: bookkeeper hands you the Trial Balance, and 4-12 hours of writing work stands between that TB and a polished CFO deliverable. Fathom, Spotlight Reporting, and LiveFlow are dashboards — they display numbers. They do not write the variance commentary. They do not draft the board call agenda. They do not tell your client what to decide. This agent does. Paste your QuickBooks or Xero Trial Balance export — or describe the key line items — and the close pack writes itself. ## What's included - **Variance commentary vs budget** — every unfavorable line item gets plain-English explanation, root cause, forward outlook, recommended action; CFO voice, not accounting-speak; ready to paste into email or deck - **13-week cash forecast** — built from current TB, outstanding AR, recurring payment schedule (set up once per client); cash crunch alerts trigger automatically when projected balance drops below your minimum operating threshold - **KPI dashboard with MoM language** — every metric you track gets month-over-month, year-over-year (after Month 13), budget variance with 1-2 sentence board-ready interpretation pre-written - **Monthly call agenda + decision frames** — structured agenda ready to send before the call, with the 1-2 decisions the close results actually require — framed with context, options, CFO recommendation, owner, deadline - **Full close pack assembly** — run PACK and get all four deliverables assembled into one document, sequenced correctly, labeled correctly, ready to distribute - **Multi-client close tracker** — STATUS command shows every client's close completion across all five deliverables; never lose track across 12 simultaneous month-ends - **Persistent client memory** — one setup per client, memory persists; Month 2 is faster than Month 1; Month 12 has YoY comparisons built automatically - **Industry-aware framing** — SaaS (MRR / churn / CAC payback), professional services (utilization / realization), e-commerce (CAC / LTV / inventory turns), construction (WIP / over-billings), restaurant (prime cost / COGS %) ## Limitations - **Not a bookkeeping system** — pairs with QuickBooks / Xero / NetSuite for the actual books; CFO close pack runs on what your bookkeeper hands you - **Not a financial statement preparer** — comments on the close; the GAAP-compliant compiled statements remain a CPA engagement if required - **Not an FP&A platform** — pairs with Fathom / Spotlight / LiveFlow for visual dashboards; this is the commentary + agenda + decisions layer those tools don't provide - **Not tax planning** — surfaces tax implications of variances; actual quarterly + annual tax planning remains your tax CPA's domain - **Not audit-grade** — deliverables are management reporting + advisory; SOC / financial-statement audits require separate engagement ## Best fit Fractional CFOs + outsourced controllers managing 5-15 client books. Solo consultants who have outgrown free-form variance writing. Accounting firm advisory practices scaling CFO services beyond 1-2 clients per partner. Especially valuable at 8+ active clients where the write-up bottleneck caps your roster — at $79/mo, if it saves 2 hours of close prep per client at $150/hr billable = $1,500 of value across 5 clients. Most users report close-pack time dropping from 8-12 hours to 2-3 hours per client by Month 3.
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