How does working with VJD get started?
It starts with a conversation about your business and where things stand financially. Vin will ask what you do, how you operate, and what’s not working with your current bookkeeping setup. Whether you’ve been handling the books yourself, working with another provider, or haven’t touched them in months, this initial discussion helps determine what level of support makes sense.
From there, VJD reviews your existing records. Some businesses come in with clean books that just need consistent management. Others have unreconciled accounts, messy categorization, or gaps that need attention before monthly work can begin. The review establishes what the actual starting point looks like rather than assuming everything is in order.
If your books are behind, cleanup happens first. Layering ongoing monthly work on top of inaccurate historical records creates compounding problems. The catch-up phase reconciles accounts, fixes errors, and builds a reliable foundation. Once the books are clean, the ongoing engagement can move forward without constantly tripping over old mistakes.
Monthly work typically includes bank and credit card reconciliations, financial statements, and a synopsis comparing current performance to previous periods and projections. The specific scope depends on your situation. A professional services firm with straightforward transactions needs something different than a contractor tracking labor and materials across multiple jobs.
For businesses that need strategic guidance beyond bookkeeping, fractional CFO services add budgeting, cash flow forecasting, and financial planning on top of the monthly books. You get the thinking of a full-time CFO without the full-time salary. Vin’s background managing multimillion-dollar budgets in both government and private sectors means you’re getting real financial leadership, not just someone running reports.
The relationship isn’t limited to scheduled deliverables. Partnering with New Jersey bookkeepers who understand your business means you have ongoing access for financial questions as they come up. If you’re thinking about a major purchase, evaluating whether you can afford a new hire, or considering financing options, those conversations happen when you need them. Not just during a monthly review.
Fractional CFO & Bookkeeping
The Next Step:
Let's Talk About Your Business
Tell us about your business and what's on your plate. We'll listen, ask a few questions, and give you a clear picture of how we can help.
More Questions
How do I separate business and personal expenses?
Open a dedicated business bank account and credit card, then use them exclusively for business spending. Pay yourself through regular draws or payroll instead of pulling money whenever you need it.
Read answerHow many hours a month does a fractional CFO work?
Most small businesses need somewhere between 5 and 25 hours of fractional CFO time per month. The actual number depends on business complexity, growth stage, and what's happening at any given time.
Read answerWhat is catch-up bookkeeping?
Catch-up bookkeeping is the process of bringing books that have fallen behind up to date. It involves reconciling bank accounts, categorizing transactions, and correcting errors from months or years of neglected records. Once complete, your books are accurate and ready for taxes, financing, or ongoing bookkeeping.
Read answerWhat questions should I ask before hiring a fractional CFO?
Ask about experience with businesses your size and industry, what they deliver each month, how they handle cash flow and forecasting, communication frequency, and how they coordinate with your accountant.
Read answerHow do I use my financial statements to make better decisions?
Compare your results period over period and against budget, watch cash and margins, and connect what you see to specific actions. The statements themselves are just numbers until you interpret the trends.
Read answerCan you manage paying my bills?
Yes. VJD Financial Solutions handles bill payment starting at $200 per month. This includes tracking bills, scheduling payments, paying on time, and recording everything in your books.
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