Luminous Product

Free To Grow CFO with Jon Blair

Scaling a Direct-to-Consumer (DTC) brand is incredibly stressful. All too often, brands I encounter have messy books and no true Chief Financial Officer (CFO) on their team.

This lack of financial leadership means those brands are constantly running the risk of making huge mistakes, such as:

  • Scaling ad spend unprofitably.
  • Buying too much inventory (tying up vital cash).
  • Hiring too quickly without margin to support it.
  • Ultimately, running out of cash.

This leads to stressful, sleepless nights. At Free to Grow CFO, our entire mission is to help your brand increase profit and cash flow as you scale, avoiding that stress entirely.

CFO vs. Accountant: Know the Difference

Many brands mistakenly believe their accountant is their CFO. That is dead wrong.

Think of your CFO as your right-hand strategic thought partner—someone to bounce ideas off of and help you understand the risks and rewards inherent in every major scaling decision you make.

Our Philosophy: Placing Risk-Adjusted Bets

At Free to Grow CFO, we believe that scaling a brand is simply about two things: removing constraints and placing risk-adjusted bets.

Scaling is a series of strategic bets. Foolish bets are not adjusted for risk and often lead to decisions that have binary outcomes: wild success or putting you out of business.

Having a CFO by your side helps you place a series of calculated, risk-adjusted bets on crucial decisions like:

  1. Purchasing inventory.
  2. Scaling ad spend.
  3. Expanding into a new sales channel.

The goal is to adjust those bets so that no single bet risks the whole house on an unknown outcome. You live to fight another day, continually optimizing your profit and growth.

Analysis-Ready Accounting is Non-Negotiable

On the accounting side, we provide three core services: Fractional CFO, Accounting/Bookkeeping, and QBO Migration.

Crucially, we provide analysis-ready, accrual-basis financials within 15 days of every month-end close.

Why does this matter?

Unfortunately, the marketplace is littered with accounting firms that provide cash-basis financials, which essentially give you no real read on:

  1. Your true monthly margins (Profit).
  2. Your actual cash flow drivers (Cash Flow).

When you're scaling a DTC brand, cash flow is king. You need reliable, accrual-basis data to make decisions that protect your cash and fuel healthy growth.

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