Fractional CFO support is most valuable when financial operations outgrow the team running it. Maybe the business is becoming more complex than its bookkeeper can handle; a family has entities, properties, and cash flows that no longer connect; or a portfolio is in a growth phase where the numbers need to be read, not just recorded. The gap is in oversight, not effort.
CFO services at Arrowroot Family Office put a senior financial operator inside the day-to-day. Cash flow, reporting, budgeting, and the financial decisions that come up weekly get handled by someone watching them continuously. Because the same team runs the family's tax, investment, and estate work, the operating numbers stay connected to the larger financial picture.
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CFO engagements often begin through an introduction or after a transition that exposed a gap in oversight. The first conversation is about how the financial operation is running today and where it is lacking. You leave with a clear read on what senior oversight would change.
The financial operation comes into full view. Accounts, entities, reporting systems, cash flows, existing staff, and the points where things currently break down all get mapped. The result is a clear picture of how money actually moves through the business and the family.
A reporting and oversight framework gets built around how the operation needs to run. Cadence, controls, reporting formats, and the coordination with tax and investment work get designed together. You end with a system that produces current, usable, financial information on a reliable schedule.
This is where CFO support lives. The financials get watched continuously, reporting gets produced on cadence, decisions get prepared, and the right specialists get pulled in when a question crosses into tax or investments. The family and the business direct the operation rather than chasing it.
Financial operations have to outlast the people who set them up. The framework holds as the business changes hands, the family grows, and the leadership shifts. The relationship continues so the management stays senior and consistent across transitions.
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CFO work depends on continuity. The senior operator running your financials this quarter is the one running them five years from now, in the data, in the budgeting, and in the conversations with your team rather than handing off to a back office. That consistency is what lets the oversight get sharper over time instead of restarting.
Behind that operator is the rest of the firm. Tax strategy, investment management, estate coordination, and risk planning all happen inside one team, so the financial picture of the business stays connected to the financial picture of the family. Concentrated client load keeps the operator close enough to the numbers to catch what a distant team would miss.
Rob works with founders, executives, and families navigating concentrated wealth, business exits, and generational planning. He founded Arrowroot in 2013 and leads the firm from Southern California.
Cassandra works with clients on retirement planning and Medicare strategy, with deep expertise in healthcare cost planning and the tradeoffs that shape later-life decisions. She is a licensed insurance agent with more than 12 years in financial services.
Crystal works with individuals, families, and business owners on financial planning, investment management, and tax strategy. She is a CFP® and IRS Enrolled Agent with over two decades of experience.
Irene oversees operations and regulatory compliance across the firm. She brings more than 22 years of financial services experience across investments, capital markets, operations, management, and sales.
Mark works with families and business owners on financial planning, portfolio management, and tax strategy, with a particular focus on cash flow and long-range projections. He is a CFP® and IRS Enrolled Agent.
Diane works with individuals, families, executives, and retirees on retirement planning, investment strategy, and long-term wealth management. She is an Accredited Investment Fiduciary® with over 30 years of experience.
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Works in concert with governance and next generation planning, giving the structure a place to come alive in person. A retreat turns the framework into a conversation the whole family takes part in, away from the day-to-day. What surfaces there feeds directly into the decisions the family makes in the year that follows.
Connects the operating company to the personal financial life it eventually funds. Succession is rarely a single event, and the years around it carry tax, estate, and liquidity decisions that compound. The framework coordinates the company side and the family side so the handoff happens on the family's terms.
Touches the family's businesses, cash flow, and reporting at the operational level. Daily financial oversight is where small issues either get caught early or quietly compound. The framework keeps the operating numbers connected to the family's longer financial picture.
Carries the administrative weight that complex financial lives generate. Bill payment, document management, and the logistics of multiple properties and entities take real time and attention. The framework absorbs that load so the family directs the operation rather than running it.
Anchored to the obligations the portfolio has to meet across the family's lifetime. Holdings fund retirement income, gifting, philanthropy, and the unexpected on schedules that match real life. Risk gets calibrated to the work the money has to do, and tax runs through every position.
Touches every other practice the moment something changes. Estate structures only work if the tax, investment, and ownership positions behind them stay aligned. The framework keeps documents and entities current as the family and the assets shift.
Threads through every investment decision, every entity, and every estate document. Tax efficiency at this level depends on timing and coordination as much as the individual choice. The framework is built so the math holds up across decades rather than a single filing year.
Protects what the family has built when something goes wrong. Coverage and exposure get sized to the real picture across businesses, properties, dependents, and estate liquidity. The framework keeps protection matched to the situation as obligations change.
Connects the family's philanthropy to its tax position, its estate plan, and the next generation. The structures built around giving outlast the impulses that began it. The framework keeps the giving coordinated with everything else rather than left to the side.
Pairs with family governance and estate planning to prepare the people who will inherit. Readiness is built over years, through gradual involvement rather than a single handoff. The framework brings the next generation in on a cadence that respects where they are.
Most of our relationships begin with an introduction. If you've been sent our way, or you've simply decided it's time, this is where to reach us.
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