Better decisions start with better financial visibility. Aspire CFO helps business owners understand performance, manage capital, and make confident decisions about what comes next.
Financial insight grounded in operating exprience. Practical CFO guidance focused on the decisions that actually move your business.
FOCUS
Strategic finance support built around the decisions business owners actually face.
Ongoing financial leadership, forecasting, cash flow management, and decision support.
Capital planning, financing strategy, financial modeling, and performance analysis.
Preparing financials, reporting, and operations for acquisitions, financing, or a future exit.
20+
Years of Financial Experience
Aspire CFO provides practical financial leaderhsip to privately held business navigating growth, capital decisions, operational complexity, and change.
Tim Wood, CPA
Founder | Fractional CFO
Aspire CFO combines financial expertise with hands-on operating experience to help business owners understand what is happening, why it matters, and what to do next.
Financial Leadership & Advisory
Ongoing financial leadership, forecasting, cash flow management, and decision support.
Capital Strategy & Financing
Capital planning, debt structure, lender relationships, refinancing, and financing strategy.
Reporting, Systems & Analysis
Financial reporting, performance analysis, projections, accounting structure, and system improvement.
Aspire CFO helps business owners turn financial information into practical decisions. From cash flow and financing to reporting and systems; the work is built around the issues that actually move your business.
Forecasting liquidity, working capital needs, and the financial impact of operating decisions.
Evaluating financing needs, debt structures, refinancing opportunities, and lender requirements.
Business Planning & Projections
Building financial momdels and projections to support growth, investment, and strategic decisions.
Performamnce & Portfolio Analysis
Monthly reporting and analysis that turns operating and portfolio data into actionable insight.
Improving accounting structures, reporting processes, system conversions, and financial visibility.
Aspire CFO works across privately held businesses, with particularly deep experience in independent automotive, dealership operations, and finance companies.
Independent Automotive
Dealership operations, inventory, profitability, and multi-entity financial management across independent, BHPH, and LHPH dealerships.
Finance & Receivables
Portfolio performance, liquidity, leverage, lender reporting, and capital strategy.
Privately Held Businesses
Financial leadership for owners navigating growth, acquisitions, financing, systems, and transition.
Aspire CFO combines senior-level financial leadership with hand-on support to help privately held businesses build stronger financial visibility, reporting, and decision-making.
Tim Wood, CPA
Founder | Fractional CFO
20+ years of experience working with privately held businesses through every stage of the business lifecycle—from pre-operations and acquisitions through growth, financing, debt restructuring, systems conversions, and ownership transitions.
Irene Kellerman, CPA
Fractional CFO
15+ years of accounting and financial experience with a strong concentration in automotive dealerships, including independent, BHPH, and LHPH operations. Hands-on experience across multiple dealership software platforms, accounting systems, reporting, and system conversions.
Aspire CFO works alongside business owners to bring greater clarity to financial performance, capital decisions, and the issues that matter most.
BUILT FOR DECISIONS
Clear reporting. Practical insight. Confident action.
"Aspire has made an incredible difference in our company’s success. Tim consistently goes above and beyond, giving us a clearer understanding of our business and helping us navigate financial challenges and major decisions. He established a reporting process that transformed how we operate while strengthening our ability to secure financing, acquire properties, and remain in compliance with our lenders. We would not be where we are today without Aspire."
"Many dealers struggle to translate day-to-day operations into the exact financial and accounting terminology that bankers and lenders need to hear. Tim bridges that gap seamlessly. He speaks their language, represents March Motors with total authority, and builds immediate credibility with financial professionals. Tim is an invaluable partner for any dealership looking to strengthen its financial relationships."
A fractional CFO provides experienced financial leadership without the cost or commitment of a full-time CFO. We work alongside owners and management to improve financial visibility, manage cash and capital, strengthen reporting, and help make better business decisions.
Usually when the financial decisions are getting more complicated than the financial support around them. Growth, financing, cash-flow pressure, acquisitions, multiple entities, lender requirements, or simply not having confidence in the numbers are all good signals.
Because profit and cash are not the same thing. Growth, debt service, inventory, receivables, capital expenditures, and timing can consume cash even when the income statement looks great. Understanding where the cash is going is often more important than knowing what last month's profit was.
Because borrowing-base availability and liquidity aren't the same thing. Debt capacity is one source of capital—not cash flow. We help owners understand the difference and make financing decisions in the context of the entire business.
Probably not. You need better information. Our goal isn't to bury owners in spreadsheets. It's to identify the handful of financial and operating measures that tell you what's happening, why it's happening, and where your attention should go next.
No. Aspire works with privately held businesses across industries. We happen to have particularly deep experience in independent automotive, dealerships, receivables, and finance companies—which gives us an unusually strong background in businesses where operations, cash flow, leverage, and capital decisions intersect.
Yes. Respectfully—but yes. A good CFO shouldn't just validate decisions you've already made. Part of our job is to challenge assumptions, identify risks, model alternatives, and give you the information you need to make the call. It's still your business.
Fractional CFO services can mean different things to different businesses. Here are a few straight answers about what we do, when it makes sense, and how Aspire works.
Tell us what’s going on. A short conversation is often the easiest way to determin whether Aspire CFO can help.