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Your P&L says you made money.
Your bank account says otherwise.

If you've ever looked at clean, accurate books and still not known whether your business is actually okay, that gap is where I come in.

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You're Running a Business. But Are You Really Running the Numbers?

You know your revenue. But do you know the full story behind it?

"Am I actually profitable, or just busy?"
"Can I afford to hire someone right now, or will it break me?"
"Why does my bank account never seem to reflect what I'm earning?"
"Which part of my business is making me money, and which part is draining it?"
"Will I have enough cash next month to cover payroll and vendors?"
"Where did all my profit go?"

Clean books tell you what happened. They don't tell you what it means. They don't tell you why cash is tight in a month you were profitable, whether you can afford to bring someone on, or whether this quarter is actually on track. Most owners were never taught to read that story, because reading it was always someone else's full-time job.

Most small businesses that fail were profitable on paper, right up until they ran out of cash.

What a Fractional Financial Controller Does

A financial controller is the person who turns your financial statements into decisions. I read your P&L, balance sheet, and cash flow the way you'd read them if you'd spent years in the books, and I tell you what they mean: here's what happened, here's why, here's what I'd watch, here's what I'd do next. You'll never get a number from me I can't show you the source of.

"Fractional" means you get that thinking every month for a set fee, instead of carrying a full-time salary you don't need.

See What It Looks Like

Golden Financial Partners
Monthly Financial Report
Maple & Co. Marketing  ·  March 2026  ·  Growth

Your March numbers are in. Here's what they show: you brought in $84,200, kept $12,300 of it, and your cash position grew for the third month in a row.

Three things to know
  • Profit climbed again. You kept $12,300 of March's $84,200, up from $9,100 in February. That's a 14.6% margin, right in a healthy range.
  • You're owed $21,400. Most of it is current, but one $6,200 invoice is past 45 days. I'd suggest you follow up on that one this week.
  • Software spend crept up, from $1,780 to $2,340. What I'd recommend: reviewing three overlapping subscriptions before they renew.
The month at a glance
Revenue
$84,200
up 6.7% from February
Net profit
$12,300
a 14.6% margin
Cash on hand
$46,800
third month of growth
Your KPI dashboard
Net Profit MarginOn Target
14.6%
Of every dollar that comes in, what actually stays with you after all expenses.
Healthy 10–20%; under 5% = warning sign.
vs last month (Feb 2026) ▲ 3.1 pts (was 11.5%)
vs last year (Mar 2025) ▲ 1.4 pts (was 13.2%)
Cash ConversionWatch
64%
Of your profit on paper, how much became real cash in the bank.
Under 70% = receivables building up; tighten collections.
vs last month (Feb 2026) ▼ 29 pts (was 93%)
vs last year (Mar 2025) ▼ 25 pts (was 89%)
What you're owed, and what you owe
Owed to you: $21,400 Current · $12,700
31–45 days · $2,500
Past 45 days · $6,200
You owe: $9,800 Current · $8,300
Due soon · $1,500
Where you make your money
Retainers
54%
Projects
33%
Hourly
18%

Each bar shows that line's margin: of every dollar it brings in, how much stays after the costs of delivering it. Retainer work carries the business. Hourly keeps the least of each dollar, and it's worth a pricing look this quarter.

KPI trends
KPI
Trend (12 mo)
Feb 2026
Mar 2026
YTD avg
Revenue
$78,900
$84,200
$80,400
Net Profit Margin
11.5%
14.6%
13.4%
Cash Conversion
93%
64%
84%

The full report continues: balance sheet review, cash flow statement, plan vs actual, and my note on the opportunities I'd look at next month.

Golden Financial PartnersPage 1 of 6

A sample Growth-tier monthly report. Scroll through the first page.

View the full sample report (PDF) →

Your First Report, Free

The sample above is a fictional company, shown at the Growth tier. Your first report is free, built on your real numbers at the Essentials tier: your P&L, balance sheet, and cash flow explained in plain English, with your KPIs and my read on what I'd do next. You'll see exactly what working with me looks like, based on your own business, and you can decide from there whether you'd like to keep going. No commitment and no charge.

Here's how it works. Attach your last three months of financial statements below, the P&L, balance sheet, and cash flow statement your bookkeeper or accounting software already produces. I build your first monthly report from them and send it back to you. From there, it's entirely your call.

A note on confidentiality. Everything you send stays between us. Your statements are used only to prepare your report, they're held in strict confidence, and they are never shared with anyone.

Attach your last three months. You can select multiple files, and if it's easier to send them another way, just note that below.

Who I Work With

The common thread isn't size. It's an owner who's tired of guessing. I'm based in Rockland County and work with owners across New York and remotely.

Here's what changes when we work together. You stop opening your financials with a knot in your stomach. You start the month knowing where you stand and what you're watching. And when a real decision comes up, hiring, pricing, a big purchase, you have someone who can show you the numbers behind it before you commit.

Three Ways to Work Together

Each step up doesn't buy you more reports. It buys you a longer reach in time.

Essentials
Know Your Numbers
The question it answers: what happened?
✦You finally understand your own financials, in plain English, every month.
✦You know where your money actually is, what you're owed and what you owe.
✦You get clear recommendations each month, so you're never just staring at numbers.
  • A monthly report that opens with the picture, not the spreadsheet
  • The few things that matter most this month, called out up top
  • My read on what I'd do next, on every report
  • A short note on what I suggested last month and what came of it
  • A clear read on what you're owed and what you owe
  • The KPIs that run your business, chosen for your industry and how you operate
  • A dated snapshot of where you stand at the start, so you can see how far you've come later
Most Popular
Growth
Grow With Intention
The question it answers: what do I fix first?
✦You see which parts of the business actually make money, and which ones drain it.
✦You get a read on your cash for the next few weeks, so you can plan ahead with confidence.
✦You can see whether you're tracking to plan, not only what already happened.
  • Everything in Essentials, plus:
  • A clear read on which services or clients make you money, and which cost you
  • For work billed by the hour, a view of what you keep per hour once the costs behind it are counted, not just what you charge
  • A look at where spending crept up, and where money may be leaking
  • A map of how cash moves through a typical month
  • A read on your cash for the next few weeks, built from what's already on the books
  • A look at whether you're paying yourself enough
  • Revenue per employee
  • A monthly note on the opportunities I'd look at
  • A plan-versus-actual comparison, in plain language
  • Your key numbers tracked over time, so trends are easy to see
Signature
Full Financial Partnership
The question it answers: what happens if I…?
✦You can answer the real questions before you act: can I afford to hire, should I raise prices, can I take this on.
✦You get a forward look at cash and runway, so big decisions aren't guesses.
✦You work with me as a thinking partner on the decisions that move the business.
  • Everything in Growth, plus:
  • A rolling cash outlook for the months ahead
  • What-if modeling for specific decisions, like a hire, a price change, or a large purchase
  • A read on your runway and where you break even
  • A budget that updates as the year unfolds
  • A read on whether your team and setup can handle the growth you're planning
  • A recurring monthly strategy note from me
  • A periodic deeper review of where the business is heading
Compare Packages at a Glance
ServiceEssentialsGrowthSignature
Monthly report built around the picture, not the spreadsheet✓✓✓
The few things that matter most, called out up top✓✓✓
My read on what to do next, every report✓✓✓
Last month's suggestion, followed up✓✓✓
Clear read on what's owed and what you owe✓✓✓
KPIs chosen for your industry✓✓✓
Dated onboarding snapshot✓✓✓
Profitability by service or client—✓✓
What you keep per hour on hourly-billed work—✓✓
Where spending crept up and money may be leaking—✓✓
Cash-rhythm map of a typical month—✓✓
Next few weeks' cash read, from what's on the books—✓✓
Owner-pay analysis & revenue per employee—✓✓
Monthly opportunities note—✓✓
Plan-vs-actual, in plain language—✓✓
Key numbers tracked over time—✓✓
Rolling cash outlook for the months ahead——✓
What-if modeling for big decisions——✓
Runway & break-even read——✓
A budget that updates as the year unfolds——✓
Team & capacity read for your growth plans——✓
Recurring monthly strategy note——✓
Periodic deeper business review——✓

Packages start at $400/month. Book a free discovery call to find out which package is right for your business.
Any report or analysis not included in your package is available for an additional fee.

Book a Discovery Call →

How I Model the Future

Part of my work is looking forward: cash flow projections, budgets, and the numbers behind a decision you're weighing. Here's how I build them.

When I look forward, I keep two things separate and visible: what's already true, and what we're assuming. A cash outlook starts from real balances and real commitments, then shows where an assumption comes in and what changes if it shifts. You won't get a single magic figure presented as fact. You'll get a real starting point, the assumptions named out loud, and a range you can plan against.

Getting Started Is Simple

01
Complimentary
Discovery Call
A 15–30 minute conversation to understand your business, your books, and what you're trying to accomplish. We'll figure out together whether this is the right fit.
02
One Time
Onboarding
I review your existing financials, get set up in your books, establish your KPIs and reporting templates, and align on what a successful engagement looks like for your specific business.
03
Every Month
Ongoing Engagement
Every month you receive a complete, customized financial package — clearly explained and tailored to your business. Review it on your own time, reach out with any questions, and schedule a follow-up call whenever you'd like. Throughout the month, I'm available for any additional analysis or reports you need.

Questions I Hear Most Often

Do I still need a bookkeeper?
Yes, and a good one makes everything work better. Your bookkeeper keeps your financial records accurate and up to date. I take those records and turn them into analysis, reporting, and insight your business can actually act on. The two services work hand in hand. If you don't have a bookkeeper, I'm happy to help you find one.
How is this different from my CPA?
Your CPA plays a valuable role, especially at tax time, looking back at the year that's closed. I work with you every month, looking forward, so you always know where you stand and can plan ahead.
What if my books aren't in great shape?
It happens more than you'd think. I'll assess what we're working with during onboarding and get things to a clean starting point before the monthly work begins.
How much of my time does this take?
Very little. Each month you receive a complete financial package to review at your own pace. I'm also available throughout the month for any questions or additional reports. Think of it less like a monthly service and more like having a financial expert in your corner all month, every month.

Meet Goldy Lichter

Goldy Lichter — Fractional Financial Controller
Goldy Lichter
Fractional Financial Controller
📊
Real, hands-on experience.
I've spent years building financial reports, profitability analyses, and management dashboards for real businesses across multiple industries.
✦
Reports built for your business.
I don't send generic templates. Every report is tailored to what actually matters for your industry, your size, and your goals.
📅
Available all month.
Not just when the monthly report arrives. I'm here throughout the month for questions, on-demand reports, and anything that comes up financially as you run your business.
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Genuinely invested in your growth.
You're not a ticket number. I'm genuinely motivated by helping businesses understand their numbers and reach their full potential.

The quality of a business's financial decisions shouldn't depend on whether it can afford a finance department.

If your financials feel more confusing than clarifying, that's where I come in. Let's talk.

Book a Discovery Call →

Let's Talk

Whether you're ready for your free first report or just have a question about your numbers, here's how to reach me.

📅
Book a free discovery call
Book a Discovery Call →
15–30 minutes · no commitment
📞
Call or text
(845) 243-3112
Weekdays · leave a message anytime
✉️
Email
goldy@goldenfinancialpartners.com
I reply within a business day