Full Send CFO

Roman Villard, CPA
  • 5.0 (1)
  • ENTREPRENEURSHIP
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Full Send CFO delivers fast, no-fluff financial tips and insights for small business owners, founders, and key decision-makers, helping you make smarter money moves at every stage—from incorporation to scaling past $10M+ in revenue. Each episode cuts through the noise to tackle real-world financial and business challenges, from cash flow crunches to pricing strategies and profitability, all in a quick, digestible format designed for busy leaders. While not every topic is strictly CFO-level, every insight supports the Office of the CFO, equipping you with the concepts, strategies, and tools to optimize financial health, drive growth, and avoid costly missteps. Fast, focused, and built for business owners who don’t have time to waste—subscribe now and snap your finances into shape.

  1. 09/09/2025

    How to Read Your Financials Like a CFO | Ep 14

    In this episode, Roman breaks down how to read your P&L, balance sheet, and cash flow statement like a CFO—so you can make smarter decisions, spot red flags faster, and grow your business with confidence. Want to get crystal clear on your business finances and finally scale with confidence? Go here: https://www.thefullsend.com Full Send is an accounting firm built for growing SMBs. We don’t just handle your books; we help you build financial clarity, cash flow confidence, and systems that scale. From tax strategy to fractional CFO services, we’re the partner that helps you grow profitably. ______________________ Most business owners stare at their financial reports with more questions than answers. Whether you’re dealing with profit swings, confusing cash flow, or strange account balances, this is your crash course on turning numbers into strategic insights. ______________________ 🔔 Subscribe to our channel for additional tips and insights! Thanks for listening! Come Say Hi! Full Send | Accounting & Data LinkedIn: Roman Villard, CPA X: @FullSendCPA YouTube: Full Send - Accounting & Data Data Podcast: Data Fuel

    8 min

  2. 05/07/2025

    Your Pitch Deck is Worthless Without Quality Financials | Ep 13

    🎯 Why Most Pitch Decks Fail Without This | Full Send CFO 💡 You spent 40 hours on your pitch deck… but only 4 minutes on your balance sheet. Bad news: investors are more interested in your financials than your fonts. In this episode of Full Send CFO, we break down:  • Why messy financials kill deals (even with a beautiful deck)  • The 4-step financial prep playbook before raising capital  • How to build investor-ready financials that actually get funded  • What founders get wrong about KPIs, forecasts, and capital strategy ⸻ ⏱️ Chapters 00:00 – Why Pretty Pitch Decks Don’t Raise Capital 00:30 – The Truth About Fundraising: Your Numbers Matter Most 01:20 – Problem: Most Founders Can’t Answer Basic Financial Questions 02:00 – Investors Want Proof, Not Just Potential 02:45 – The Consequences of Poor Financial Preparation 03:10 – ✅ Step 1: Clean Up Your Financials (P&L, Balance Sheet, Cash Flow) 04:00 – ✅ Step 2: Build a 12-Month Model (Focus on Assumptions + Burn) 06:00 – ✅ Step 3: Know Your KPIs Cold (CAC, LTV, Margin, Retention) 07:00 – ✅ Step 4: Map Your Capital Strategy (How Much, Why, and What If You Don’t Raise) 08:30 – How to Handle “What If You Had $0” Questions from Investors 09:00 – Spreadsheets Over Slides: Show Me, Don’t Just Tell Me 09:30 – Final Takeaway: Investors Don’t Invest in Decks. They Invest in Proof. ⸻ 💡 Key Takeaways ✔️ 65% of Early-Stage Investors Say Messy Financials Are a Dealbreaker Don’t lose a deal over unclear numbers. Audit your financials before the pitch. ✔️ The 4-Step Pre-Fundraising Financial Prep Playbook  1. Clean Historical Financials: 24 months of clean P&L, Balance Sheet, and Cash Flow  2. 12-Month Forecast: Focus on cash burn, runway, and capital deployment  3. Master Your KPIs: Know metrics like CAC, LTV, Gross Margin, Retention cold  4. Capital Strategy: Why this amount? Why equity vs debt? What if you don’t raise? ✔️ Design Isn’t a Substitute for Data An investor-ready spreadsheet builds more trust than any template or AI-enhanced slide deck. ✔️ Demonstrate, Don’t Just Declare Investors are from the “Show Me State.” They want proof, not projections without support. ⸻ 📌 Next Steps  • Review your P&L and clean it up.  • Build a 12-month cash model with clear assumptions.  • Prep for questions like: “What’s your CAC?” “What happens if you don’t raise?”  • Forward this to your co-founder, CFO, or accountant. They need to hear it too. 🔗 Learn more at thefullsend.com ⸻ #FundraisingTips #StartupFinance #FullSendCFO #SeriesA #CFO #FinancialModeling #RaiseCapital #VentureCapital Thanks for listening! Come Say Hi! Full Send | Accounting & Data LinkedIn: Roman Villard, CPA X: @FullSendCPA YouTube: Full Send - Accounting & Data Data Podcast: Data Fuel

    10 min

  3. 04/30/2025

    Why Your Fractional CFO Should NOT Be Doing Your Accounting | Ep 12

    📊 Why Your Fractional CFO Should NOT Be Doing Your Accounting | Full Send CFO Podcast 👉 Are you using a Ferrari to deliver DoorDash? That’s what it’s like when your fractional CFO is stuck doing bookkeeping and reconciliations instead of strategic financial planning. In this episode of Full Send CFO, we break down: What a CFO should actually be doingWhy mixing accounting and CFO work can hold your business backHow to build the right financial team stack for scaleHow to tell if you’re wasting money on the wrong financial setup⏱️ Chapters 01:10 – CFO as Strategic Partner, Not Bookkeeper 01:45 – What a Fractional CFO Should Focus On 02:15 – What a Fractional CFO Should Not Be Doing 04:15 – Bookkeeping, Controllers, and CFOs: Defined 05:30 – Who Should Be Steering the Financial Ship? 07:10 – Real Example: Margins Drop, Who Solves It? 08:00 – Mistakes to Avoid: Don’t Hire One Person for Everything 09:10 – The Finance Lane vs The Accounting Lane 09:40 – Speed of Hire vs Smart Financial Structure 🧠 Ask Yourself: Is my CFO focused on strategy or in the weeds?Who’s really owning the financial systems in my business?Am I paying top dollar for tasks that could be delegated? 📌 Subscribe to Full Send CFO for more financial leadership insights that help your business grow with clarity and confidence. Thanks for listening! Come Say Hi! Full Send | Accounting & Data LinkedIn: Roman Villard, CPA X: @FullSendCPA YouTube: Full Send - Accounting & Data Data Podcast: Data Fuel

    10 min

  4. 04/23/2025

    Stop Getting Surprised By Your Tax Bill | Ep 11

    💰 Stop Getting Blindsided by Tax Bills | How to Build a Smart Tax Reserve System | Full Send CFO 🔔 Subscribe for stress-free financial strategies! 📢 Are you scrambling to pay taxes every April? You’re not alone. Many business owners make money but forget to plan for the IRS. In this episode of Full Send CFO, we break down: ✔️ Why most business owners get surprised by tax bills ✔️ How to calculate your monthly tax reserve ✔️ Step-by-step system to automate tax savings ✔️ Common tax planning mistakes—and how to avoid them ⏱️ Chapters 00:42 – Real-World Example: “Where’s the Cash to Pay My Taxes?” 01:06 – Why You Must Plan for Taxes Year-Round 01:35 – The Types of Taxes You Actually Owed (Sole Prop, S Corp, C Corp) 03:15 – Revenue vs. Net Income: Know the Difference Before You Save 04:00 – Monthly Tax Savings Routine: What % to Set Aside 05:00 – Automating Tax Transfers Using Bank Rules or Accounting Tools 06:00 – Use a Simple Spreadsheet to Track & Forecast Your Tax Dollars 08:30 – Why Last-Minute Tax Payments Hurt Your Business 08:50 – Action Plan: Set Up a Tax Reserve Account Today ✅ Key Takeaways ✔️ Net income is what you’re taxed on—not your total revenue. ✔️ Set aside 15–30% of net income depending on your entity structure. ✔️ Create a separate tax savings account and transfer monthly. ✔️ Use QuickBooks/Xero or a spreadsheet to calculate and track. ✔️ Automate transfers if possible to remove the guesswork. ✔️ Businesses that proactively save are 2x less likely to face IRS penalties. ✔️ Update your estimates quarterly as income changes. 💬 Are you using a system to save for taxes year-round? Drop your method (or your horror story) in the comments. 🔔 Like & Subscribe to Full Send CFO for weekly episodes on financial clarity, growth, and tax-saving strategies. Thanks for listening! Come Say Hi! Full Send | Accounting & Data LinkedIn: Roman Villard, CPA X: @FullSendCPA YouTube: Full Send - Accounting & Data Data Podcast: Data Fuel

    10 min

  5. 04/16/2025

    How To Grow Business Profitability Without Firing People | Ep 10

    🔍 5 Ways to Boost Business Profit Without Cutting Staff or Ad Spend 🔔 Subscribe for practical CFO insights & financial strategy tips 👉 https://www.thefullsend.com/services/financial-analytics 📢 In uncertain markets, most businesses slash payroll or marketing to preserve profit—but that can backfire. In this episode, learn how to boost your profitability strategically without sacrificing your team, brand, or momentum. Whether you’re running a $1M or $10M company, these steps help you think like a CFO and optimize for long-term growth. ✔️ How to increase margin without volume ✔️ What to audit before making drastic cuts ✔️ Why pricing changes can transform your bottom line ✔️ Tactical steps to tighten scope, improve collections, and eliminate waste ⏱️ Chapters 00:30 – Why Cost-Cutting Alone Doesn’t Lead to Healthy Profit 01:42 – Step 1: Evaluate Gross Margin by Product or Service 03:20 – Step 2: Audit Operational Efficiencies (Without Firing People) 04:36 – Step 3: Adjust Pricing Strategy and Value Perception 06:00 – Step 4: Improve Collections & Cash Conversion Cycles 07:27 – Step 5: Control Scope Creep in Services 08:42 – Common Pitfalls: Cutting Growth Levers First 09:34 – Pitfall: No Communication of Financial Goals Across Teams 10:00 – Pitfall: Focusing Only on Revenue, Ignoring Margin Discipline 10:30 – Final Advice: Audit Waste, Revisit Prices, Tighten Scope ⸻ ✅ Key Takeaways: ✔️ Gross margin visibility by product/service is the first step toward smart optimization. ✔️ Don’t cut team or marketing—audit tools, processes, and bloat first. ✔️ A 1% price increase can drive up to 11% in profit. ✔️ Faster collections = faster reinvestment in growth. ✔️ Scope creep kills margins—tighten deliverables and train your team. ✔️ Profit is not just about cost—it’s about strategy, systems, and clarity. ⸻ 🔔 Like, subscribe & turn on notifications for more real-world CFO strategy. Thanks for listening! Come Say Hi! Full Send | Accounting & Data LinkedIn: Roman Villard, CPA X: @FullSendCPA YouTube: Full Send - Accounting & Data Data Podcast: Data Fuel

    12 min

  6. 04/10/2025

    How To Manage Tariffs | Small Business Impact | Ep 9

    🔍 Tariffs Are Impacting Small Businesses—Here’s How to Respond | Full Send CFO 🔔 Subscribe for weekly CFO insights & financial strategy tips 📢 New tariffs are here—and they’re crushing small business profit margins. Whether you’re importing from China, Vietnam, or the EU, the costs have skyrocketed—some up over 1,200% overnight. In this episode, we break down what you need to know and how to respond without panic. ✔️ Understand how tariffs affect your pricing and cash flow ✔️ Learn 5 practical strategies to adapt fast ✔️ Hear real-world case studies from businesses already adjusting ✔️ Avoid the most common mistakes that cost businesses big time ⸻ ⏱️ Chapters 00:00 – Intro: Why Tariffs Are Suddenly a CFO Problem 00:30 – How Tariffs Are Squeezing Small Business Profit Margins 01:25 – Real Example: $26K in Tariffs Jumping to $346K Overnight 01:58 – Quick Overview of Current Tariff Rates (as of April 2025) 02:30 – Immediate Effects on Cash Flow, Inventory, & Demand 03:00 – Case Study #1: Harkla’s Tariff Strategy in Sensory Toys 03:30 – Case Study #2: 3sixteen and Apparel Price Increases 04:17 – Projected Industry-Wide Price Impacts: Apparel, Electronics, Auto 04:30 – Strategy #1: Should You Diversify Your Supply Chain? 05:45 – Strategy #2: How to Renegotiate with Overseas Suppliers 06:45 – Strategy #3: Operational Efficiency 07:40 – Strategy #4: Smart, Targeted Price Increases 08:30 – Strategy #5: Tariff Exemptions & Trade Group Support 09:00 – Why 65% of Businesses Are Now Rethinking Supply Chains 09:30 – What Not To Do: Delayed Reactions and Supplier Over-Reliance 10:00 – Don’t Blindly Raise Prices—Communicate with Customers 10:45 – Lessons from Ford, Jeep & Transparent Pricing Messaging 11:00 – Final Steps: Audit, Communicate, Monitor, Collaborate 12:00 – How to Adjust Vendor Spend Without Sacrificing Strategy 12:20 – Final Thoughts: Navigate This Together ⸻ ✅ Key Takeaways: ✔️ Tariffs are drastically impacting import costs—up to 100%+ in some cases. ✔️ Don’t rush into reshoring—negotiate first with suppliers. ✔️ Cutting marketing or strategy partners too soon can stunt growth. ✔️ Small price increases, strategically communicated, can maintain customer trust. ✔️ Monitor policy changes closely—tariff landscapes are evolving daily. ⸻ 🔔 Like, subscribe & turn on notifications for real-world CFO strategies in real time. #CFO #Tariffs #SmallBusiness Thanks for listening! Come Say Hi! Full Send | Accounting & Data LinkedIn: Roman Villard, CPA X: @FullSendCPA YouTube: Full Send - Accounting & Data Data Podcast: Data Fuel

    12 min

  7. 04/09/2025

    When To Hire A Fractional CFO? | Ep 8

    Absolutely! Here’s the YouTube-style outline and summary for the most recent Full Send CFO podcast transcript you provided: 🔍 Why Every 7-Figure Business Needs a Fractional CFO | Full Send CFO 🔔 Subscribe for expert CFO insights! 📢 Think a CFO is “too much” for your business? Think again. If you’re doing over 7 figures in revenue, a fractional CFO isn’t a luxury—it’s a growth multiplier. In this episode, we break down: ✔️ Why every $1M+ business needs financial leadership ✔️ Common myths holding founders back ✔️ Tangible benefits of bringing on a strategic finance partner ✔️ When a bookkeeper just isn’t enough ✔️ How a CFO helps you prepare for funding, scale, and profits ⏱️ Chapters 00:00 – Why 7-Figure Businesses Need a CFO 01:00 – “We’re Not Big Enough” — The Real Excuse 01:54 – “It’s Too Expensive” vs. Cost of Bad Decisions 02:55 – Why a Bookkeeper Is Not Enough 03:47 – Accelerating Strategic Decisions with Data 04:44 – Invisible ROI: Freeing Up Founder Brain Space 05:00 – Financial Discipline: Building Scalable Systems 05:49 – Margin Growth: Why Scaling Should Improve Profitability 06:32 – Preparing for Funding, Loans & Investors 07:42 – What Ready Looks Like: Clean Financials on Demand 08:00 – Who Shouldn’t Hire a CFO Yet? (Under 500K Revenue) 09:16 – Final Thoughts: Is Your Control Slowing Growth? ✅ Key Takeaways: ✔️ A fractional CFO accelerates better decision-making—especially around pricing, margins, and reinvestment. ✔️ A bookkeeper gives you the what, but a CFO gives you the why and what next. ✔️ Strategic finance partners build reporting rhythms, accountability, and growth infrastructure. ✔️ Clean, accurate, and timely financials = readiness for loans, fundraising, and smart scaling. ✔️ If you’re under $500K, focus on product-market fit—but be ready to level up fast. 📢 Are you holding onto too much financial control? Drop your thoughts below! 🔔 Subscribe & turn on notifications to stay sharp on all things growth, finance, and strategy. Thanks for listening! Come Say Hi! Full Send | Accounting & Data LinkedIn: Roman Villard, CPA X: @FullSendCPA YouTube: Full Send - Accounting & Data Data Podcast: Data Fuel

    10 min

  8. 04/02/2025

    Identify Red Flags In Your Small Business Financial Statements | Ep 7

    🔍 How to Spot Red Flags in Your Financials & Avoid Costly Mistakes | Full Send CFO 👉 Link to YouTube Video 📢 61% of financials contain material misstatements. Are yours accurate? The financial reports you send to investors, stakeholders, and your board may be wrong—leading to bad decisions and financial surprises. In this episode, we break down: ✔️ How to identify critical errors in your financial statements ✔️ Common red flags that CFOs & accountants often miss ✔️ Why reviewing your financials monthly reduces cash flow surprises ✔️ Best practices to prevent reporting mistakes before they snowball ⏱️ Chapters 00:00 - Most Financial Statements Are Wrong—Here’s Why 00:26 - How Misstatements Lead to Bad Business Decisions 01:17 - Common Accounting Errors That Impact Financial Ratios 02:00 - Balance Sheet Red Flags: Negative & Stale Accounts 03:05 - P&L Red Flags: Duplicate Transactions & Anomalies 04:00 - AR & AP Risks: How to Catch Aging Balances Early 05:00 - Payroll Tax Liabilities: A Hidden Danger 06:37 - Duplicate Expenses: How Bill Pay Systems Cause Errors 07:49 - Owner Expenses: Why They Must Be Classified Correctly 08:30 - How to Fix These Issues: Monthly Review Strategies 09:32 - Why Businesses That Review Financials Monthly Perform Better 10:00 - Final Thoughts: How to Build a Financially Healthy Business ✅ Key Takeaways: ✔️ Negative balances and unclassified assets are red flags for accounting errors. ✔️ Aging AR & AP can indicate cash flow problems before they escalate. ✔️ Payroll tax liabilities must be actively monitored to avoid hidden debt. ✔️ Duplicate expenses from bill pay systems can quietly distort financials. ✔️ Regular monthly reviews reduce the risk of financial surprises by 78%. 📢 How do you ensure financial accuracy in your business? Drop a comment below! 🔔 Subscribe & turn on notifications so you never miss an episode! Thanks for listening! Come Say Hi! Full Send | Accounting & Data LinkedIn: Roman Villard, CPA X: @FullSendCPA YouTube: Full Send - Accounting & Data Data Podcast: Data Fuel

    10 min
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About

Full Send CFO delivers fast, no-fluff financial tips and insights for small business owners, founders, and key decision-makers, helping you make smarter money moves at every stage—from incorporation to scaling past $10M+ in revenue. Each episode cuts through the noise to tackle real-world financial and business challenges, from cash flow crunches to pricing strategies and profitability, all in a quick, digestible format designed for busy leaders. While not every topic is strictly CFO-level, every insight supports the Office of the CFO, equipping you with the concepts, strategies, and tools to optimize financial health, drive growth, and avoid costly missteps. Fast, focused, and built for business owners who don’t have time to waste—subscribe now and snap your finances into shape.

Information

  • Creator
    Roman Villard, CPA
  • Years Active
    2K
  • Episodes
    14
  • Rating
    Clean
  • Copyright
    © 2025 Full Send CFO
  • Show Website
    Full Send CFO