“Whether you are in the early phase and need assistance with business formation, or an established and growing business that needs finance expertise, we offer solutions nationwide.  Partnering with CTO Associates allows companies to gain access to experienced talent without the cost and commitment of a full-time resource.  We work with customers to realize the maximum benefit of their software or financial resource investment”.


Our commitment is to provide growing businesses like yours with effective software tools and to empower you with the ability to use them well.  From assisting with selecting the right accounting software through implementation, training and support, CTO Associates works with customers to realize the maximum benefit from their investment.

  • Design and Selection
  • Data Migration
  • Implementation
  • Financial Report Development
  • Training and Education
  • Post- Implementation / On-Going Support

Interim or On-Demand CFO

The cost of a Full-Time CFO may be prohibitive to your business given it’s current size . Rely on our expertise to provide you with the same value at a fractional cost. We can also provide coverage during a key staffing vacancy (CFO or Director of Financial Planning & Analysis). Typical responsibilities include …

  • Staff Management, Training and Recruiting
  • Budget/Forecast Preparation
  • Monthly Financial Results Review and Variance Analysis
  • Cash Management
  • Liaison with Attorneys, Vendors, Investors, Bankers
  • Serve a Business Partner to Executive Management Team
  • Return on Investment Analysis
  • On-Going Profitability Analysis/ Product – Line Financial Performance Reviews
  • Financial Process Simplification/ Improvement Recommendations

Interim or On-Demand Controller

The cost of a Full-Time Controller may be prohibitive to your business given it’s current size , but standard book keeping may not be enough. We can also provide coverage during a key staffing vacancy.
Typical responsibilities include …

  • Management, Training and Recruiting of Accounting Staff
  • Accounts Payable/Account Receivable Management
  • Maintain Financial Reporting Compliance
  • Develop or Maintain Appropriate Accounting Procedures
  • General Ledger/Chart of Account Maintenance

Accounting Services

Focus resources on value-add initiatives that support your continued growth – and rely on experienced professionals to perform your back-office tasks.

  • General Ledger or Account Maintenance
  • Account or Bank Reconciliations
  • Fixed Asset Accounting
  • Payroll Postings
  • Balance Sheet Reviews
  • Recording Financial Transactions

Monthly Financial Review

Let us review your available financial results and provide the insight required to understand your cash flow and profitability. Our experience will allow us to highlight key results and assist with recommendations to your management team.

  • Analyze Financial Trends
  • Identify Key Variances
  • Determine Profitability Drivers
  • Highlight Cash Flow or Profitability Risks

Annual Budget and Forecasting

We can develop, lead or refine your Annual Budget and periodic Forecasts. By partnering with key members of your business team, we can decipher the key financial metrics needed to measure your business’ performance.

  • Refine or Develop Financial Plan
  • Link Operating Goals to Financial Targets
  • Drive Accountability with Clear Financial Metrics
  • Prepare for Expected/Unexpected Expenses or Market Trends
  • Design Process to Account for Shifts in Operating Performance or Financial Results

Strategic Financial Analysis

Strategic Financial Analysis is critical to business success. Short and long-term business decisions should be based on solid financial review.

  • 5-Year Strategic Financial Model
  • Product Line or Customer Pricing Analysis
  • Product or Customer Margin Analysis
  • Return on Investment Evaluation
  • Productivity Improvement Valuation

Business Formation

Early phase guidance is critical to your business plan. Let us help you determine the appropriate entity for your organization and then guide you through the filing process.

  • S Corporations
  • C Corporations
  • Limited Liability Companies (LLCs)
  • Public Benefit Corporations
  • Limited Partnerships
  • Statutory Trusts
  • General Partnerships