David Montegari, CFA · Fractional CFO
CFO-level judgment.
On your terms.
Senior financial leadership for owner-led and growing businesses, without the cost of a full-time CFO.
Former derivatives trader. 15 years in corporate finance. CFA® charterholder with an MBA from NYU. I help owners see clearly, plan with confidence, and make the big calls with real numbers behind them.
Is it time for a CFO?
Most businesses don't need a full-time CFO. Many need CFO thinking sooner than they realize. These are the signs I see most often:
Revenue is up. Cash is tight.
Growth is consuming cash faster than it creates it, and you can't see the next 13 weeks clearly.
You're raising capital or talking to lenders
Investors and banks want a model, a forecast, and a story that holds up to scrutiny.
You don't know your true margins
You can't say with confidence which products, clients or locations actually make money.
Big decisions run on gut feel
Hiring, pricing, expansion and major purchases are decided without scenarios behind them.
An exit or acquisition is on the horizon
Buyers pay for clean, credible financials. Preparation starts well before the deal does.
You've outgrown your bookkeeper
The books are accurate, but nobody is turning them into forward-looking decisions.
What a fractional CFO does for you
Strategy & forecasting
Budgets, forecasts and scenario models tied to your priorities, so you know where the business is headed and what it will take to get there.
Cash & capital
Rolling cash forecasts, working-capital planning, and preparation for investors, lenders and credit lines, so you can grow without surprises.
Decisions & transactions
Pricing, margin analysis, acquisitions and exit readiness, with the analytical rigor of a trading desk and the judgment of a seasoned finance leader.
Wall Street rigor.
Plain-English answers.
Meet David Montegari, CFA.
I started my career pricing risk as a derivatives trader, then spent 15 years in corporate finance building the forecasts, plans and models that leadership teams rely on. Today I bring that experience to business owners as a fractional CFO.
The best finance leaders don't just report the numbers. They help you understand them, challenge them, and act on them. That's the standard I hold myself to.
Common questions
What is a fractional CFO?
A fractional CFO is an experienced chief financial officer who works with your business part-time, on an ongoing or project basis. You get senior-level strategy, forecasting and financial leadership for a fraction of the cost of a full-time executive.
How is a fractional CFO different from a bookkeeper or accountant?
Bookkeepers and accountants record and report what already happened. A CFO looks forward: building forecasts, managing cash, preparing for capital, and helping you make decisions. I work alongside your existing bookkeeper or CPA, not in place of them.
When does a business need a fractional CFO?
Usually when growth outpaces financial visibility: cash gets tight, a raise or loan is coming, margins are unclear, or an exit is on the horizon. If you're not there yet, I'll tell you, and point you toward what you need instead.
How does an engagement work?
It starts with a conversation about your business and goals. From there we agree on a scope: an ongoing monthly partnership, a defined project such as a capital raise or a forecasting build, or interim coverage while you hire.
What would greater financial clarity make possible?
Start with a conversation about your business, your priorities and the questions you want answered. No obligation, just a straight assessment of where a CFO can help.
Phone: 516 313 0419
Email: dmmontegari@gmail.com