Stop Guessing. Start Scaling.

Revenue is growing, but cash feels tight. We provide the financial architecture, forecasting, and strategic discipline you need to bridge the gap between “Small Business” and “Market Leader.”

Business Advisory & Virtual CFO Services in milton, ontario.

There comes a breaking point in every successful business. You have outgrown your bookkeeper, but you aren’t ready to carry the $200,000+ salary of a full-time Chief Financial Officer.

This leaves you in the “Growth Trap.” You are making high-stakes decisions—hiring staff, buying inventory, signing leases—based on gut instinct or financial statements that are 60 days old.

Profitless Prosperity

Your top-line revenue is hitting record highs, but your bank account is stagnant.

The “Cash Crunch”

You dread payroll day despite having a full pipeline of work.

Blind Spots

You don’t know which product lines are actually profitable and which are subsidizing the others.

At Redmond & Company, we step into that void. We act as your fractional financial leader, translating your raw data into a clear roadmap for execution.

The Difference Between “Accounting” and “Advisory.”

Most accountants record history. We engineer the future.
We don’t just hand you a P&L and wish you luck. We dig into the mechanics of why the numbers look the way they do.

Feature	The Traditional Accountant	The Redmond Virtual CFO
Primary Focus	Compliance. Filing tax forms accurately and on time to avoid penalties.	Performance. optimizing operations to maximize Gross Margin and Net Profit.
Time Orientation	Rear-View Mirror. “Here is what you spent last year.”	Windshield. “Here is what you can afford to spend next month.”
Deliverable	Standard Statements. A Balance Sheet and Income Statement you barely read.	Custom Dashboards. Rolling Cash Forecasts, KPI Scorecards, and Variance Reports.
The Conversation	“You owe tax.” A transactional meeting about liabilities.	“Let’s fix pricing.” A strategic debate about business models and unit economics.
Integration	Outsider. Only sees the books.	Insider. We integrate with your leadership team to align finance with operations.

The 4 Pillars of Our Advisory Framework

We don’t offer generic advice. We implement a rigorous financial operating system based on four specific pillars.

Advanced Cash Flow Management (The 13-Week Forecast)

"Profit" is an opinion; Cash is a fact. We build and maintain a rolling 13-week cash flow model.

Unit Economics & Profit Analysis

We decompose your revenue to find the truth. We analyze margins by Product Line, Customer Segment, and Employee Team.

Corporate Structuring and Reorganization

Is your current business structure bleeding profit?

The Efficiency Gap: Many owners stay in a Sole Proprietorship too long, paying personal tax rates on business income. We identify exactly when to incorporate to cap your tax rate and unlock deferral strategies.
The Outcome: By segregating your assets into a secure "container" company, you protect them from operational lawsuits while purifying your business to qualify for the Lifetime Capital Gains Exemption. The result is total asset safety today and a massive tax-free savings when you eventually sell.

Strategic Planning & Exit Engineering

Whether you plan to sell in 5 years or 20, you need to build value today.

The Engagement Model

1 The Audit & Cleanup

We scrub your historical data. We fix the Chart of Accounts, map your margins, and build the initial financial model.

The Strategy Sprint

2

We present the “State of the Union.” We agree on the 3-5 Critical KPIs for the year and set the budget.

The Monthly Rhythm

Week 1: Books closed and financial statements issued.

Week 2: The Strategy Meeting. We review the Variance Report (Budget vs. Actuals), identify pitfalls and opportunities, and make hard decisions for the month ahead.

Frequently Asked Questions

Is a Virtual CFO expensive?

Compared to a bookkeeper? Yes. Compared to a bad decision? No. Our clients typically generate between $1M and $20M in revenue. For them, the cost of our service is often covered by the first major “save”—whether that’s catching a pricing error, preventing a bad hire, or optimizing a tax structure. It is an investment with a measurable ROI.

Will you replace my current bookkeeper?

Not necessarily. We often layer on top of your existing admin team. We act as the “Controller,” reviewing their work and handling the high-level analysis, while they handle the day-to-day invoicing and bill payments.

Do you help with raising capital or bank financing?

Yes. Bankers lend on confidence. When you approach a bank with a professionally prepared 3-way financial forecast (P&L, Balance Sheet, Cash Flow) and a clear strategic plan, your odds of approval—and better rates—skyrocket.

Can you help me fix my pricing?

Pricing is the most powerful lever in your business. We help you move from “Cost-Plus” pricing (guessing) to “Value-Based” pricing. We model the impact of a 1%, 5%, or 10% price increase on your bottom line, giving you the confidence to charge what you are worth.

(e.g., “Can I write off my home office?”)

Need an answer right now? Try “ask adam.”

Our “Ask Adam” AI Assistant is trained on our firm’s specific financial strategies and Canadian tax law. It’s available 24/7 to give you instant clarity.

Stop Flying Blind

You have the vision. We have the roadmap. Let’s build a business that serves you, not the other way around.