Test a Lot, One Decision at a Time
Pricing, a hire, a new product, debt: each run tests one move, says what it will change and leaves alone what you mark, so its effect stands on its own.
Fractional CFO Services Without Hiring One
See everything a price change, a hire or a new product does to your business, from sales down to what reaches you after tax, without paying a CFO's retainer.
Start For Free, No Account Needed
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The Full Financial Picture of Every Decision
Every Change Comes With Its Reasoning
A session price from $185 to $225, four of 44 clients expected to leave, and the reason in plain words. It runs on a copy; your live numbers stay untouched.
Understand the Change From Top to Bottom
Today's numbers, the change and the result side by side, from revenue down to what reaches you after tax.
A Task Board to Carry It Out
Each decision ends in tasks in order, with the ones that wait on another marked, so the plan gets done rather than filed.
Come Back, Tweak It and Watch the Result Move
Duplicate a decision and change a price, a headcount or a cost yourself. The impact moves as you type, so you can experiment in real-time.
Talk a Decision Through Before You Make It
Ask While You Weigh It
It reads the decision on your screen, every line of it, and answers in plain words.
Any paid plan, drawn from your monthly credits
Hire an Assistant
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You
Does a 10-hour-a-week assistant pay for themselves here?
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Occam
In this scenario, yes. The assistant costs $12,000 a year. The hours they take off your plate become 6 more coaching clients ($13,320) and 20 more course sales ($3,940), about $17,260 of new sales a year. The coaching spots alone cover the cost; the course is upside.
Get Feedback From an Expert
Talk with someone who modeled weekly decisions with CEOs and CFOs of private equity-owned firms.
Advisory plan, a reply within 24 hours
Eight years building the models lenders, buyers and investment committees decide on, at Bank of America Merrill Lynch, EagleTree Capital and Thermo Fisher Scientific.
Meet JoaoEvery Decision Is Measured Against the Rest of Your Picture
Rooted In Your Financials
Upload your books free. The summary and score behind them are what flags your weakest areas and what every decision is tested against.
Count What Reaches Your Household
Each decision ends in what you keep after tax, using the filing status and state from your personal audit.
Take the Winners Into the Next Two Years
Once the quick wins are in, design the next two years of the business.
“Occam added expenses I'd forgotten and helped me re-build my marketing plan. Having a plan and timeline I understand gave me the confidence to start after years of waiting.”
Our Decision Analysis vs. a Fractional CFO and Your CPA
| What you get | Occam's Model | A Fractional CFO | Your CPA |
|---|---|---|---|
| Tests pricing, hiring and cost moves on your numbers | Yes | Yes | Rarely |
| Current market pay, prices and costs checked for you | Yes | Yes | No |
| The change in your take-home after personal tax | Yes | Usually business only | At tax time |
| What it costs | A fraction of a retainer | Often thousands a month | By the hour |
| A person who can open your numbers | On the plan with an expert | Yes | Yes |
Common Questions
How much do fractional CFO services cost?
Usually a monthly retainer, often several thousand dollars a month, scaled to how involved they are. Here the same decision work comes with any paid plan at a fraction of that, and the first hand-built decision is free.
Is my business too small for a fractional CFO?
Many are. If the decisions ahead are pricing, a hire, marketing or your own pay, you need the analysis more than a part-time executive. A fractional CFO earns the fee when you raise money, buy a business or need someone in the room every week.
What is an outsourced CFO?
Another name for a fractional CFO: a finance executive shared across several businesses on a retainer. Interim and virtual CFOs are the same idea on a different schedule.
Do I need a small business financial advisor or a CFO?
A financial advisor usually manages personal investments; a CFO works on the business's decisions. The work here is the business side and what it leaves you after tax, with no investment advice.
Do I get a real person?
On the plan with a finance expert, yes: a private message board with a reply within 24 hours on business days, from someone who can open your numbers. Other paid plans get the full analysis and the AI advisor, and can book a one-off session with an expert.
Can I try it for free?
Yes. Build one decision by hand, free, with no credit card. The ready-made decisions our AI works through cost one credit each on any paid plan, charged only when the answer is ready.