A CFO for your coffee business, without the full-time salary.
Fractional CFO services for coffee shop & roastery owners: cash flow, tax planning, estate planning, and asset protection, all planned out for you a year at a time.
Sound Familiar?
The line is out the door, but the bank account doesn't show it. These are the problems we hear most from coffee owners.
Sales are up, but cash isn't
After green coffee, milk, cups, rent, and payroll, there's never as much left as there should be.
Payroll week is stressful
You check the account before every pay run and move money around to cover it.
Taxes are a surprise every year
You find out what you owe after it's too late to plan around it.
There's no plan if something happens to you
No estate plan, insurance that hasn't been reviewed in years, and a lot riding on the business.
Big decisions without the numbers
A second location, a wholesale push, or selling one day. You need to know what the numbers say first.
Who This Is For
You'll get the most out of Threadbare CFO if most of these describe you.
How It Works
The first two calls are free. By the end of them, you'll know exactly where your business stands.
Discovery Call with Michael
A conversation about your shop, your goals, and what's keeping you up at night. If we're not the right fit, we'll tell you.
Document Review with Daniel & Michael
Before the call, you'll upload your tax returns and financials to our secure Nexus portal. Daniel and Michael review them in depth, then walk you through where cash is leaking, what you may be overpaying in tax, and where the risks are.
Onboarding to Gain Clarity
Michael sets you up in Nexus, where your documents, open cases (like IRS notices), and the status of every piece of work live in one place.
Your First Year, Quarter by Quarter
Every call is built around your real numbers, prepared in advance by your CFO team.
Cash Flow Planning & Tax Return Review
See where your money goes each month, make a plan to keep more of it, and get a line-by-line review of last year's return.
Estate Plan Creation
A plan for your business, your family, and everything you've built if something happens to you.
Asset Protection, Insurance & Risk Management
Make sure one lawsuit, accident, or bad season can't put your home and savings at risk.
Year-End Tax Planning & the Bigger Picture
Moves to make before December 31, plus the long view: expansion, property, partners, or selling the business.
Year Two and Beyond
Two review calls a year keep your plan current as the business grows.
Spring Review
Tax return review, cash flow planning, and an estate plan check-in.
Fall Review
Year-end tax planning, plus a check-in on asset protection, insurance, and risk management.
Support Between Calls
Direct email access to your CFO team, plus your secure Nexus portal for documents, case tracking, and work status.
Bookkeeping, Payroll & Tax Prep
CFO clients can add bookkeeping, payroll through Gusto, and business and personal tax preparation, handled by the same team.
Your Team
Coffee experience and tax expertise at the same table.
Your Main Point of Contact
Certified Business Coach · Licensed Q Grader · SCA Certified Instructor
Michael runs your discovery call, gets you onboarded, and makes sure your plan fits how your shop or roastery actually runs.
He brings nearly 20 years of coffee industry experience, from the headquarters of Starbucks to local coffee companies. For 8 years he was Operations Manager of a multi-location café and roastery doing more than $5M in annual revenue.
Today he trains, coaches, and consults for startups, importers, roasters, and cafés. He's also a Level 1 Wine Sommelier and a Certified Health & Wellness Coach, and he specializes in building healthy coffee businesses that take great care of people, starting with the owner.
Your CFO
EA, LTC, MSPFP, CFP®, AWMA®, CRPC®
Daniel leads the financial side of your plan: reviewing your returns, building your cash flow and tax plans, and answering your financial questions directly.
He holds a master's degree in Personal Financial Planning and is a CERTIFIED FINANCIAL PLANNER® professional. He's also an IRS Enrolled Agent, the highest credential the IRS awards, which recognizes him as an expert in income tax. As a Licensed Tax Consultant, he holds the highest level of recognition from the Oregon Board of Tax Practitioners.
As an Accredited Wealth Management Advisor® and Chartered Retirement Planning Counselor®, Daniel guides business owners through succession planning, real estate, investments, and retirement, with taxes built into every decision.
Questions
If yours isn't here, ask us on your discovery call.
What does it cost?
Pricing depends on the size and complexity of your business, so we cover it on your discovery call. Both introductory calls are free.
What do I upload before the document review?
Your most recent business and personal tax returns, plus any financial statements you have, like a profit and loss statement and balance sheet. We'll send you a secure Nexus link and a checklist after your discovery call.
Is my financial information secure?
Yes. Documents go through Nexus, a secure client portal, not regular email.
Do I have to switch bookkeepers or tax preparers?
No. Threadbare CFO is a planning service and works with whoever does your books and taxes today. Bookkeeping, payroll, and tax prep are available to CFO clients if you'd like them.
I run a roastery, not a café. Is this for me?
Yes. Roasteries face the same cash flow, tax, and risk questions, plus a few of their own, like green coffee inventory, equipment financing, and wholesale terms.
Free Discovery Call with Michael
30 minutes. No cost, no obligation.
BOOK MY FREE DISCOVERY CALL