Fractional CFO / Senior Financial Advisor

About Holistic Money Holistic Money is a boutique fractional CFO and bookkeeping firm serving aesthetic medicine and wellness businesses, with a primary focus on med spas in the $500K to $5M revenue range. We work with clinic owners who are deeply skilled at what they do clinically but are ready to understand their numbers, make confident financial decisions, and build businesses that support their lives. Our advisory model is intentionally integrated with bookkeeping. We don't separate the two. That integration is what allows us to deliver accurate, timely, and strategically relevant guidance every month. We are not a reporting firm. We are a trusted advisor firm that happens to do the books. The Role We are looking for a Fractional CFO / Senior Financial Advisor to join our team on a contract basis. This is a client-facing advisory role. You will lead monthly financial review meetings with med spa and aesthetics clinic owners, translate their numbers into clear insights and decisions, and serve as their trusted financial guide month over month. The right person is both technically rigorous and relationship-forward. You don't just present data. You tell clients what it means, what's at risk, and what to do next. Clients leave every meeting with clarity and a clear next step. This is not a bookkeeping execution role, though you must understand bookkeeping deeply. You are the advisor in the room. The books are the foundation. The advisory is the value. What You'll Do Lead Client Advisory Meetings Own monthly financial review calls with med spa and aesthetics clinic owners via Zoom Build strong, trusting relationships with clinic owners who are growing but may not yet be financially fluent Walk clients through their P&L, cash flow, and balance sheet in plain language, surfacing what changed, why it matters, and what to do about it Ask smart, efficient questions to uncover what's happening in the business behind the numbers Leave every meeting with a clear recap, action items, and documented next steps Drive Financial Insight and Strategy Surface observations and recommendations proactively, before clients have to ask Translate business goals into budgets, forecasts, and forward-looking plans clients can actually use Identify margin compression, cash flow gaps, pricing misalignment, and labor inefficiencies Build and maintain revenue projections, cash flow forecasts, and financial models tailored to service-based, payroll-heavy, appointment-driven businesses Help clients understand not just where they are, but what moves to make next Prepare and Review Financial Reporting Prepare and review monthly P&L statements, dashboards, and reporting packages before every client meeting Ensure reporting is clean, accurate, and meeting-ready by partnering closely with our bookkeeping team Identify bookkeeping issues that impact reporting quality and flag them for correction before they reach the client Communicate benchmark context specific to the med spa and aesthetics industry (COGS, labor ratios, net margin, owner pay) Support Bookkeeping Oversight Review QuickBooks Online for categorization accuracy, reconciliation completeness, and chart of accounts structure Identify cleanup needs and ensure books are accurate before client-facing reporting You are not the primary bookkeeper, but you must be able to evaluate bookkeeping output and trust, or challenge, the numbers with confidence What You Need (Required) Advisory Presence and Communication You lead the room. Clients should feel guided, not just informed. Confident, warm, professional presence on Zoom; able to build trust quickly with women business owners Clear, fluent written and verbal English; organized follow-through and deadline management Emotionally intelligent and steady, especially when delivering difficult financial news Financial and Analytical Competency Deep fluency in P&L analysis, cash flow, and balance sheet interpretation for service-based businesses Ability to build and maintain revenue projections, budgets, and cash flow forecasts Strong understanding of the relationship between bookkeeping accuracy and advisory quality Comfort with financial benchmarking and the ability to contextualize a client's numbers against industry norms QuickBooks Online Expertise Strong working knowledge of QBO: you can navigate, troubleshoot, identify categorization errors, and understand how transactions flow into financial statements Ability to review reconciliations and chart of accounts structure and spot issues before they affect reporting Bookkeeping Foundations Prior bookkeeping or accounting experience that gave you strong fundamentals You may not be the day-to-day bookkeeper in this role, but you must be able to review output and catch what's wrong Payroll Understanding Solid grasp of payroll basics: wages vs. owner pay, payroll taxes, liabilities, and cash timing implications No need to run or file payroll, but you must understand how it flows through the books and affects financial statements Availability and Setup Available for Zoom calls during U.S. business hours (at least partial overlap required) Quiet, professional workspace with reliable internet and a professional on-camera background Strongly Preferred Direct experience with med spas, aesthetics clinics, or other appointment-driven, payroll-heavy service businesses Excitement or passion for the beauty industry Comfort with KPI dashboards and metrics: provider utilization, appointment economics, labor percentages, membership liability Experience supporting women business owners or working in an advisory or coaching-style financial environment Understanding of deferred revenue concepts, including memberships and gift cards as liabilities What Success Looks Like Six months in, you are running monthly review meetings independently. Your clients feel clear about their numbers, trust your guidance, and are making better business decisions because of the conversations you lead. You are proactive, not reactive. You surface what matters before clients have to ask. You know the med spa industry well enough to bring relevant context into every meeting, and you partner with our bookkeeping team to make sure the numbers behind your insights are always accurate. How to Apply Send your resume and a brief note on your experience with service-based businesses and client-facing financial advisory work. If you have examples of financial models, reporting packages, or client-facing deliverables you have built, we would love to see them.