Cash flow
A forecast of what’s coming in, what’s going out, and when. We look at payment timing, upcoming commitments, and the cash your plans will need.
Cash forecasts · Working capital · Spending scenariosKIT & JOE · FRACTIONAL CFO SERVICES
A clearer view of
your business finances.
I’m Michael Cheung, CPA, CA. I help small business owners understand their cash flow, plan spending, and make sense of their financial results.
If you have a bookkeeper or accountant but still find yourself working through the bigger financial questions alone, we should talk.
An initial conversation is free. We’ll discuss what you need and whether I can help.
Michael Cheung, CPA, CAFounder · 15+ years of experience
You have the reports.
It helps to have someone
to talk them through with.
Perhaps revenue is growing but cash still feels tight. Or you’re considering a new hire and want to know what the business can afford.
Those questions need more than a look at last month’s profit. I work with you to understand the numbers, test your assumptions, and decide what to do next.
The work
Practical support,
where you need it.
The scope depends on your business. These are the areas I can help you work through.
Budgets & planning
A budget grounded in how your business operates. We work through assumptions about sales, staffing, and costs so you can assess a decision before committing to it.
Annual budgets · Rolling forecasts · Hiring and expansion plansReporting & profitability
A useful explanation of your results. We look at what changed, which parts of the business are earning their keep, and what deserves your attention.
Management reporting · Margin analysis · Company scorecardsI work alongside your existing bookkeeper or accountant. The focus is on financial planning and business decisions, building on the records they maintain.
HOW WE WORK TOGETHER
A regular conversation.
A plan we keep up to date.
I call the approach the “5 Pillar Company Pulse.” It gives us a structure for the work: agree on the priorities, build a budget, review the results, and follow through. We agree on a meeting schedule that suits your business.
Big-picture planning
Define your goals, priorities, and the financial decisions ahead.
Budgeting
Translate the plan into realistic revenue, spending, and cash assumptions.
Management reports
Bring the results together in a format that makes sense to you.
Performance reviews
Discuss what changed, why it matters, and what to do next.
Company scorecards
Track the key measures that connect day-to-day activity to your goals.
Michael Cheung, CPA, CAFOUNDER · KIT & JOE
Michael Cheung, CPA, CA
A little about me.
I’m a Chartered Professional Accountant with 15+ years of experience across Big Four accounting, publicly traded companies, and private businesses.
I started Kit & Joe because small business owners often need someone to work through financial decisions with them, even when they don’t need a full-time CFO. That is the role I aim to fill.
Kit & Joe is named after my parents. It’s a personal name for a business built around working directly with people.
Get in touchA few questions
What to expect.
What is a fractional CFO?
A fractional CFO provides financial leadership on a part-time or contract basis. The focus is on planning, cash flow, performance, and business decisions, with a scope tailored to the business.
Do I still need my bookkeeper or accountant?
Yes. Bookkeeping and tax work remain essential. Fractional CFO support builds on that information to help you plan ahead and evaluate decisions. We can work alongside your existing finance providers.
Is my business too small?
Kit & Joe focuses on small businesses with up to $10 million in annual revenue. Revenue alone does not determine fit: the decisions you face, the complexity of your finances, and the support you need matter too. An introductory conversation helps establish whether the service is appropriate.
How much does it cost?
The fee depends on the work involved and how often you need support. After an initial conversation, I’ll propose a scope and fee for you to review before we start.
How does remote support work?
Meetings take place remotely, with an agreed process for sharing financial information and reviewing reports. The meeting schedule and working arrangements are established as part of your engagement.
GET IN TOUCH
What would you like
to work through?
Send me a short note about your business and the questions on your mind. We can arrange a free introductory conversation and take it from there.
You’ll speak directly with me. If the work is a fit, we’ll agree on the scope, fees, and a practical way to work together.
michael@kitandjoe.com