Most small business owners didn’t start their company because they love financial statements. But at some point, the numbers become impossible to ignore — and having the right information at the right time makes all the difference.

The 3CFO Perspective is where we share straightforward answers to the financial questions small business owners are actually asking. No jargon. No generic advice. Just honest perspective from 35 years of financial leadership — applied to the real challenges of running a small business.

Cherisse Waligura 4/6/26 Cherisse Waligura 4/6/26

What Does a Fractional CFO Actually Do?

Not a bookkeeper. Not a tax preparer. Here’s what a fractional CFO actually does.

Cherisse Waligura 3/27/26 Cherisse Waligura 3/27/26

Is QuickBooks Online Right for Your Business? There Might Be a Simpler Path.

Powerful isn’t always better. If your QuickBooks books are a mess, you’re not alone — and there’s a cleaner option.

Cherisse Waligura 3/21/26 Cherisse Waligura 3/21/26

Signs Your Small Business Needs a Fractional CFO

Something feels off. The numbers don’t add up. Here’s how to know if it’s time for a fractional CFO.

Cherisse Waligura 2/2/26 Cherisse Waligura 2/2/26

Do I Need a CFO or a Tax Preparer?

Your tax preparer looks backward. A CFO looks ahead.