Clear answers about your
$999 finance team.
A dedicated fractional CFO, monthly bookkeeping, and real-time tax planning — one team, one flat monthly fee.
Understand exactly what is included, how the two-week onboarding process works, where tax preparation and filing fit, and how a CFO helps you make better decisions with current numbers.
Dedicated CFO, bookkeeping, and year-round tax planning
Core finance function live in about two weeks
In-house EAs and CPAs; preparation and filing scoped separately
Current books, clear reporting, and advice tied to real decisions
- $999/mo
- CFO, bookkeeping & tax planning
- ~2 weeks
- Typical onboarding target
- EAs & CPAs
- In-house, IRS-authorized
What the $999 monthly plan covers
One recurring fee brings the core finance function together, so owners are not coordinating separate providers or tracking hourly invoices.
What is included in Figures Advisors’ $999/month plan?
The core plan includes a dedicated fractional CFO, monthly bookkeeping and close, and real-time, year-round tax planning. The same team keeps the books current, interprets the numbers, and helps you plan around cash flow, growth, and tax. Tax return preparation and filing are separate from the $999 bundle and are scoped clearly when needed.
Is the $999 price truly flat, or will I receive hourly invoices?
The core service is a flat $999 per month, not hourly billing. That covers the ongoing CFO advisory, monthly bookkeeping, and real-time tax planning described in the plan. Work outside that scope—such as tax return preparation and filing—is discussed and priced separately before it begins.
Who is the $999/month plan designed for?
It is designed for solopreneurs and small business owners who need reliable books, proactive tax planning, and senior financial guidance but do not need—or want to carry the cost of—a full in-house finance department. The fit is strongest when financial decisions have become too important to make from a bank balance alone.
Do I have to sign a long-term contract?
No. Figures’ current service pages describe the plan as having no long-term lock-in and being cancellable at any time. Your engagement terms still govern the relationship, so review the client services agreement for the exact notice and scope provisions that apply to you.
More than recording what already happened
Traditional bookkeeping produces a record of the past. Figures connects that record to forward-looking advice and tax planning.
How is Figures different from a traditional bookkeeper?
A traditional bookkeeper usually categorizes transactions, reconciles accounts, and closes the books. Figures does that work, then adds a dedicated CFO who explains what the numbers mean and an in-house tax team that monitors tax implications throughout the year. The result is one finance team connecting accurate records to business decisions.
What bookkeeping work does Figures handle each month?
The service includes transaction categorization, bank and account reconciliation, monthly bookkeeping and close, financial statements, and support for keeping the accounting system organized. Figures also handles catch-up work when books are behind and can manage cloud accounting platforms such as QuickBooks or Xero.
Why does it matter that bookkeeping, CFO advice, and tax planning are on one team?
Advice is only useful when it is based on current, trustworthy numbers. Because Figures keeps the books, the CFO does not have to wait for a separate provider to explain or repair them before answering a decision. The tax team also sees the same financial picture, reducing handoffs and helping tax consequences get considered before a choice is made.
Can Figures work with my existing accountant or tax preparer?
Yes. Figures can keep the books current and provide CFO and tax-planning support while coordinating with an existing accountant or preparer. If you prefer to consolidate the work, Figures’ in-house EAs and CPAs can also scope preparation and filing separately.
How the two-week setup works
The goal is to move from scattered access and uncertain books to a working monthly finance cadence in about two weeks.
Can Figures really onboard my business in about two weeks?
About two weeks is the typical target for getting the core finance function live. During that period, Figures connects your accounting platform and financial accounts, organizes the chart of accounts, reviews prior activity, catches up open periods where practical, and assigns your bookkeeping, CFO, and tax team. A larger backlog or unusually complex records can require additional time, which should be identified during onboarding.
What will you need from me during onboarding?
You will typically provide access to your accounting software, bank and card feeds, prior financial statements and tax returns, entity documents, payroll or expense systems, and context on how the business makes money. Figures uses that information to understand the books, establish responsibilities, and identify the decisions and deadlines that need attention first.
What if my books are months behind or need cleanup?
Catch-up bookkeeping is a common starting point. Figures reconciles accounts, categorizes the backlog, and closes prior periods so ongoing reporting begins from a reliable base. Straightforward catch-up work may fit within the normal onboarding window; deeper cleanup is assessed based on the volume and condition of the records.
What happens after onboarding is complete?
The work shifts to a recurring cadence: transactions are categorized, accounts are reconciled, the books are closed, and financial statements are prepared each month. Your CFO reviews the numbers with the decisions ahead in mind, while the tax team monitors estimates, exposure, and planning opportunities throughout the year.
Year-round oversight, with filing scope made clear
Figures emphasizes planning before deadlines—not simply preparing forms after the year has ended.
What tax service is included in the $999/month plan?
The included service is real-time, year-round tax planning. Your team monitors the tax impact of decisions involving entity structure, owner compensation, deductions and credits, timing, quarterly estimates, and cash flow for expected payments. Tax return preparation and filing are separate add-on services, not part of the $999 core bundle.
Who handles tax preparation and filings when I need them?
When separately engaged for preparation and filing, the work is handled by Figures’ in-house IRS-authorized Enrolled Agents and CPAs rather than handed to an unknown seasonal contractor. Because the team already has access to the monthly books and tax-planning history, it can prepare from records it knows and resolve questions with less back-and-forth.
What does ‘IRS-authorized’ mean for an Enrolled Agent?
An Enrolled Agent is a federally authorized tax practitioner who may represent taxpayers before the IRS. Figures also has CPAs in-house. The right professional and scope depend on the return, entity, state requirements, and the services you engage Figures to provide.
How does year-round tax planning reduce surprises?
The team reviews tax exposure while decisions can still be changed, rather than discovering the result at filing time. It can forecast quarterly estimates, plan owner pay and distributions, assess deductions or credits, and reserve cash for expected liabilities. Current monthly books make those estimates more dependable.
The decisions your CFO helps you make
A fractional CFO turns the monthly close into a decision system for the owner—not another report to archive.
What does ‘decision support’ from a fractional CFO actually mean?
It means using your current financial data to frame a choice, quantify the tradeoffs, and recommend a course of action. Your CFO helps establish the assumptions, model the likely outcomes, identify the cash and tax effects, and define what to monitor after the decision. The output may be a forecast, scenario model, margin analysis, hiring threshold, or a clear recommendation—not just a set of statements.
Which day-to-day business decisions can my CFO support?
Common decisions include whether and when to hire, how much the business can safely spend, whether pricing supports the desired margin, which customers or services are most profitable, how much cash to retain, how to structure owner compensation, and whether a large purchase or vendor commitment fits the forecast.
Can a fractional CFO help with cash flow and forecasting?
Yes. Your CFO can build and maintain cash-flow forecasts, model revenue and expense scenarios, track runway, identify upcoming cash constraints, and show how a hiring, pricing, financing, or investment decision changes the outlook. The model is grounded in books the same team closes each month.
Will my CFO help me understand profitability, not just revenue?
Yes. Decision support can include gross-margin and contribution-margin analysis, customer or service-line profitability, cost trends, break-even points, and the operating drivers behind the P&L. That helps owners distinguish growth that creates cash from growth that only creates more work.
How is a Figures CFO different from hiring a fractional CFO alone?
A standalone fractional CFO may provide strategy while relying on a separate bookkeeper and tax preparer for the underlying data. Figures bundles the CFO with monthly bookkeeping and year-round tax planning, so the advisor works from numbers the same team maintains and can bring accounting and tax implications into the recommendation from the start.
Still weighing the right finance setup for your business?
Tell us how your books, tax planning, and financial decisions are handled today. We’ll help you see whether the $999/month model fits.