Align your money with your mission.

Accurate books tell you what happened. CFO-level insight helps you decide what happens next.

Fractional CFO services for nonprofits that need stronger cash flow strategy, grant compliance, board-ready reporting, and an experienced financial partner at the table.

Schedule a Discovery Call Do You Need a Fractional CFO?

Ignition 2026 Top 50 Women in Accounting · Selected from 1,265 nominations worldwide

The gap

Most nonprofits reach a point where monthly financial statements stop being enough. The books are accurate. The P&L arrives on time. And leadership still can't answer the question sitting in front of them.

That gap is not a bookkeeping problem. It's a CFO problem.

I work alongside Executive Directors and boards as the financial partner at the table — reading what the numbers are actually saying, building the forecast that supports the decision, and putting the information in front of the board in a form they can use.

Fit

This is for you if

Your annual budget is roughly $1M–$10M.
You carry federal, pass-through, or foundation funding with real compliance obligations.
Your Executive Director has become the de facto CFO — and shouldn't be.
Your board asks questions the monthly financial statements don't answer.
You're facing a decision — a hire, a program expansion, a reserve policy, an audit, a grant that may not renew — and you want it modeled before you commit.

This is not for you if

You need someone to enter transactions and reconcile accounts.

That's real, valuable work — and I do take on select nonprofit accounting projects. If that's what you need, let's talk.

Schedule a Discovery Call

What we work on

The questions you'll be able to answer

Not a task list. These are the decisions that bring an organization to a CFO in the first place — and what we build to answer each one.

Can we afford this hire?: What we buildA rolling 12-month cash flow forecast with scenario modeling, so the answer holds past the first payroll.
What happens if this grant doesn't renew?: What we buildRevenue concentration analysis and a funding-cliff plan the board can act on before the cliff arrives.
Is our indirect cost rate leaving money on the table?: What we buildAn indirect rate review and support through negotiating or documenting the rate you're entitled to.
Do we have a reserve policy the board can defend?: What we buildA reserve policy sized to your actual volatility — designed, documented, and board-approved.
Are we audit-ready now, not in August?: What we buildYear-round audit readiness and Uniform Guidance compliance, so fieldwork confirms what you already know.
What does the board actually need to see?: What we buildA board financial packet your board reads instead of skims — and understands well enough to govern with.
Is our financial infrastructure built for where we're going?: What we buildChart of accounts, fund structure, and close process designed for the organization you're becoming.

Engagements

Ways to work together

Start here

Board Alignment Session

$2,000Session + Workbook — $3,000

A facilitated four-hour working session with your board and Executive Director.

Financial health review
Budget roadmap
Fiscal year vision
Board alignment on priorities

Ongoing partnership

Fractional CFO Advisory

Monthly retainerScoped after a discovery call

For organizations that need a financial partner, not a project.

Monthly close review and financial interpretation
Rolling cash flow forecast
Board financial packet
Standing strategy call with your ED

Grant-funded organizations

CFO + Grant Compliance

Premium retainerScoped after a discovery call

For organizations where federal or pass-through funding is a material share of revenue.

Everything in CFO Advisory
Uniform Guidance oversight
Grant budget construction and reporting
Indirect cost rate management
Audit preparation

Every engagement is scoped after a discovery call. Three-month minimum term.

Supporting services

The foundation underneath the strategy

Strategy only holds if the books underneath it are clean. When the foundation needs building or maintaining, I do that work too — alongside a CFO engagement, or on its own for organizations that aren't ready for one yet.

Monthly bookkeeping
Month-end close
Bank & processor reconciliation
Grant and fund tracking
QuickBooks setup & cleanup
Year-end and 990 preparation support

Talk through a project →

Who you're working with

Amy Cobb

Nearly 30 years in accounting, the last 18 focused on nonprofits. I've sat with Executive Directors through funding cliffs, walked boards through their first real reserve policy, and cleaned up more grant-tracking structures than I can count.

My work is to help leadership understand what the numbers are saying and use them to decide — not to hand over a report and leave.

I'm not an auditor, and I don't perform attest services. I'm the person who makes sure the auditor doesn't find anything.

~30 yearsin accounting, 18 focused on nonprofits
Certified QuickBooks ProAdvisorAdvanced nonprofit and fund accounting environments
Top 50 Women in Accounting, 2026Ignition — selected from 1,265 nominations worldwide
Pflugerville, TexasServing nonprofits across Austin, Texas, and nationally

The best time to bring in a CFO is before the decision, not after it.