Solutions // Fractional CFO

Fractional CFO
services, sized to
your insurance
agency.

A full-time CFO is not realistic for most independent insurance agencies. Fractional CFO services give you senior financial guidance on a monthly cadence, so you plan ahead, course-correct in real time, and make big decisions with someone who has seen them before.

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Objective by design. We are not tied to the day-to-day, so you get honest answers, not what you want to hear.

WHY FRACTIONAL

A finance leader who plans the future, not just records the past.
Built for the years between

Bookkeepers and staff accountants track what already happened. A CFO helps you decide what happens next. What got you to one million in revenue will not necessarily get you to five.

You get someone who has worked with a lot of agencies, who knows where owners get stuck and what the strongest ones do differently, without the cost of a full-time hire.

Bookkeeper

Records and reconciles what already happened.

Accountant

Files, reports, and keeps you compliant.

Fractional CFO

Turns the numbers into a forward plan and holds you to it.

THE BASE

Every engagement starts on the
same foundation.

Before we tailor anything to your situation, we build a foundation of financial clarity
and accountability through ongoing analysis, planning, and review.

Benchmarking

We establish your baseline performance against industry and peer ranges, so you know where you stand and which areas will return the most if you improve them.

Annual budget development

We build and manage a 12-month budget tied to your financial goals, then track your results against it so you can course-correct in real time.

3 to 5 year projections

We model long-term growth and run the scenarios behind your biggest decisions, so a hire, a purchase, or a perpetuation is a planned move and not a leap.

KPI identification & tracking

We define the handful of metrics that actually matter for your agency and monitor progress against them, so you stop drowning in data you cannot act on.

Monthly financial review meetings

A structured monthly meeting to walk through actual vs. budget, talk through trends, and surface the challenges and opportunities worth acting on.

Built on accountability

The base is not a one-time report. It is an ongoing rhythm of analysis, planning, and review that keeps the plan alive month after month.

WHERE WE HELP MOST

Owners bring us in for a
few common reasons.

The base stays the same. What we build on top of it depends on where you are headed.

Internal perpetuation

You want to pass the agency to family or key employees. We model the buyout, structure the financing, and make sure both sides can afford it while the agency stays healthy through the handoff.

Planning to sell in 2 to 5 years

You are not selling tomorrow, but you want top dollar when you do. We pinpoint what drives your value, fix the factors dragging on it, and get your books and story ready for a buyer.

Looking to buy agencies

You see growth through acquisition. We evaluate targets, model the deal structure, and show you exactly how a purchase hits your cash flow, profitability, and long-term goals before you commit.

You just want to operate healthier

No big transaction on the horizon. You simply want a tighter, more profitable, more predictable agency. The budget, KPIs, and monthly accountability do exactly that.

COMMON QUESTIONS

Fractional CFO questions,
answered.

What does a fractional CFO do for an insurance agency?

A fractional CFO gives your agency senior financial leadership on a part-time basis. At AgencyFocus that means benchmarking, an annual budget, 3 to 5 year projections, KPI tracking, and monthly review meetings, with custom work added for perpetuation, sale preparation, or acquisitions.

How is a fractional CFO different from a bookkeeper or accountant?

Bookkeepers and accountants record and report what already happened. A fractional CFO uses those numbers to plan what happens next, building a forward-looking budget and holding your agency accountable to it month after month.

When should an insurance agency hire a fractional CFO?

The common moments are planning an internal perpetuation, preparing to sell in the next two to five years, evaluating acquisitions, or simply wanting to run a healthier, more profitable agency off a real plan. If you want a snapshot first, an Agency Health Check is a lighter starting point.

What is included in an AgencyFocus engagement?

Every engagement starts on the same foundation: benchmarking, annual budget development, 3 to 5 year projections, KPI identification and tracking, and monthly financial review meetings. From there we tailor the work to where your agency is headed.

"This team possesses a deep understanding of the intricacies of the industry and provided me with accurate, insightful assessments of my business.".

Cy Young
‍Haven Insurance Partners

"Bringing on Agency Focus as our fractional CFO and a resource when doing agency acquisitions has been the best decision we have made! Carey adds so much clarity to my operation and it allows me to be a business owner without worry!"

Bradley Flowers
Portal Insurance

"The Gold Standard in the Independent Agency Community in assisting agencies with valuations, buy/sale agreements and assisting with financials".

Scott Howell
‍iPROTECT Insurance & Financial Services, Inc.

Industry Insights & Expert Content

Explore proven strategies, risk analysis, and valuation insights through our curated articles and expert podcast discussions.

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Solutions // Fractional CFO

Fractional CFO services, sized to your insurance agency.

Objective by design. We are not tied to the day-to-day, so you get honest answers, not what you want to hear.

A finance leader who plans the future, not just records the past.Built for the years between

Every engagement starts on the same foundation.

Benchmarking

Annual budget development

3 to 5 year projections

KPI identification & tracking

Monthly financial review meetings

Built on accountability

Owners bring us in for a few common reasons.

Internal perpetuation

Planning to sell in 2 to 5 years

Looking to buy agencies

You just want to operate healthier

Fractional CFO questions, answered.

What does a fractional CFO do for an insurance agency?

How is a fractional CFO different from a bookkeeper or accountant?

When should an insurance agency hire a fractional CFO?

What is included in an AgencyFocus engagement?

"This team possesses a deep understanding of the intricacies of the industry and provided me with accurate, insightful assessments of my business.".

Cy Young‍Haven Insurance Partners

"Bringing on Agency Focus as our fractional CFO and a resource when doing agency acquisitions has been the best decision we have made! Carey adds so much clarity to my operation and it allows me to be a business owner without worry!"

Bradley Flowers Portal Insurance

"The Gold Standard in the Independent Agency Community in assisting agencies with valuations, buy/sale agreements and assisting with financials".

Scott Howell ‍iPROTECT Insurance & Financial Services, Inc.

Industry Insights & Expert Content

What Insurance Agency Owners Should Look for in Monthly Financial Reviews

Building a Sales Culture in an Independent Insurance Agency w/ Patrick McClure

The Numbers Behind the Agency: Why Financial Clarity Changes Everything

Insurance Agency Commission Structures That Drive Profitable Growth

Agency Budgeting: Turning Numbers Into Better Decisions

Choosing the Right Business Structure for Your Agency

How Often Should You Get an Agency Valuation

Building a Budget That Gets Used

Making Sense of Your Numbers Before Planning 2026

The Impact Virtual Assistants Have on Independent Insurance Agency Valuations

How to Navigate Common Growing Pains in Independent Insurance Agencies

What Independent Agencies Get Wrong About CFOs

Navigating an Internal Perpetuation Between Family

After the Sale w/ Max Olson

The Truth about Selling Your Agency w/ Matt Naimoli

Inside the Acquisition: 7-Month Reflection w/ Rob Bowen

Marketing Drives Agency Acquisitions w/ Nick Vitali

What Every Buyer Should Know Before Buying Their First Independent Insurance Agency

Common Independent Insurance Agency Mistakes That Can Cost You in Your Valuation

What Strong Financials Really Say About Your Independent Insurance Agency

Month-End Financial Checklist for Insurance Agencies

Are You Missing Out On Tech-Driven Growth?

Failing to Plan: An Agency's Biggest Risk

Agency Risk

How Smart Agencies Are Investing Today to Win Tomorrow

Key Metrics Independent Insurance Agency Owners Should Track

Selling Your Agency? Avoid These Common Regrets

How a Hard Market can Impact Your Agency’s Profitability

Managing Carrier Risks in Your Book of Business

Know Your Numbers to Unlock Your Agency's Insights

Is your retention strategy data-driven?

Planning for the Unexpected

Hiring In a Scratch Agency

The Impact of Budgeting for your Business

How to build a strong budget for your agency

Agency Acquisition Pitfalls in a Hard Market

The Value of Balance Sheets for Insurance Agencies

Understanding Independent Insurance Agency Financial Statements

Becoming the CEO of My Agency

Strategies for Increasing the Value of Your Agency