Outsourced CFO Services in San Diego, CA

San Diego’s economy doesn’t wait—biotech breakthroughs in Torrey Pines, defense innovation near Point Loma, fast-scaling SaaS firms, and professional services across the region operate in a constant cycle of growth, compliance, and complexity. When your business accelerates, your financial structure must keep pace.


Straight Talk CPAs delivers fractional CFO services engineered for San Diego companies that need stronger control, cleaner financial architecture, and strategic guidance that supports serious growth.


We don’t just interpret numbers—we turn them into direction.

Strategic Financial Leadership for San Diego’s High-Performing Companies

Tax Intelligence Built Into Every Forward Step

Growth strategy and tax strategy must operate as a unified system—especially in California, where evolving regulations, R&D credits, and multi-entity structures can reshape your financial trajectory.


Our CFO engagements integrate full tax oversight so decisions remain efficient, compliant, and cash-smart.


We help you:

  • Structure entities for operational and tax efficiency
  • Build compensation strategies that protect liquidity
  • Surface underutilized credits, incentives, and deductions
  • Build year-round projections that eliminate surprises


This is financial leadership that aligns tax, planning, and performance—not siloed advice.

A full-time CFO isn’t always the right hire, but gaining CFO-level intelligence is non-negotiable for businesses managing rapid momentum.


Our fractional CFO services give San Diego owners and executives a deeper understanding of performance drivers—so investment decisions become calculated, operations become leaner, and growth becomes deliberate.


Here’s what we strengthen:

  • Expose financial inefficiencies that drain margin and erode runway
  • Build pricing and service models grounded in true cost structures
  • Stabilize cash flow and optimize working capital cycles
  • Deliver scenario planning and forecasting to support expansion, hiring, and capital allocation


One San Diego-based medtech firm eliminated $64K in recurring waste and lifted margins by 14% in the first quarter of working with us—simply by replacing instinct with data-backed strategy.

Elevated Decision-Making for a Market Built on Innovation

Our fractional CFO services are built for San Diego businesses that are:

  • Managing multi-million-dollar budgets or multi-entity structures
  • Preparing for expansion, fundraising, or acquisition
  • Operating in industries where regulatory oversight, margins, and cash cycles are mission-critical
  • Ready to elevate their financial discipline and strategic execution



We’re not an outsourced task provider—we’re a strategic partner committed to strengthening the decisions that define your growth.

Designed for Companies Ready to Scale With Precision

Case Study: From Instability to Controlled Scale

A San Diego data analytics firm approached us, struggling with unpredictable cash cycles, uneven profitability across service tiers, and zero visibility into which offerings were actually driving growth.


Here’s how we rebuilt their financial foundation:

  • Mapped their entire revenue engine and identified leakage points
  • Built tier-level profitability dashboards for precise decision-making
  • Restructured vendor payments and strengthened AR workflows
  • Implemented rolling 12-month forecasts tied to hiring, capacity, and sales cycles


Results delivered:

  • $57,000 in annual savings identified
  • 19% improvement in cash flow consistency
  • Clear roadmap for entering two new West Coast markets



“Once we saw the real story behind our numbers, expansion stopped feeling risky—and started feeling inevitable.”

Explore Our Other Services in San Diego, CA

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Why San Diego Leaders Choose

Straight Talk CPAs

Executives don’t need another set of dashboards—they need financial leadership that cuts through noise and supports real movement.

San Diego businesses trust us because we deliver:

  • Licensed CPAs with deep California and multi-state expertise
  • A fractional CFO model built for speed, accuracy, and strategic depth
  • Transparent pricing—no vague retainers, no hidden fees
  • Clear, proactive communication that keeps decision-making aligned and timely

When companies need sharper insight, stronger systems, and a financial strategy built for real scalability, they rely on us.

Ready for CFO-Level Insight Without Full-Time Overhead?

Let’s refine your financial structure, stabilize your cash cycles, and strengthen your strategic roadmap.

Whether you need a full diagnostic cleanup or ongoing CFO leadership, we help you understand your numbers—and use them to scale with confidence.

FAQs

  • What does your fractional CFO service include?

    You get cash-flow planning, forecasting, margin reviews, pricing guidance, KPI tracking, and clear financial direction — the things that actually move the business forward.


  • Do you support biotech, tech, and defense companies?

    Yes. We’re comfortable with R&D-heavy models, multi-entity setups, strict compliance needs, and the cash-cycle challenges that come with them.


  • Can you help with investor prep or fundraising?

    Absolutely. We put together investor-ready financials, clean projections, and a strategic story that supports your pitch or board conversations.


  • What does onboarding look like?

    A focused 2–4 week diagnostic: we review your systems, clean up the essentials, map your KPIs, and build the first version of your forecast.


  • How do I know if I need a fractional CFO?

    If decisions feel shaky, cash flow swings too much, profitability seems fuzzy, or you’re gearing up to scale — that’s usually the sign.