Kalos™ Outsourced finance for owner-operators

Fractional CFO · Houston

A fractional CFO in Houston for owners who are tired of guessing.

You built a $1-10M business on instinct. Now the decisions are bigger and the margin for error is smaller. Kalos gives you a CPA-led CFO, a 13-week view of your cash, and a straight answer when it matters.

Book a 30-minute call

Sound familiar?

What Kalos does

What a Kalos fractional CFO does for you

You get a CFO without the $250K salary. Ansel Michels, CPA, joins your leadership rhythm, owns the forecast, and tells you plainly what the numbers mean and what to do next. Bookkeeping and AP/AR are handled underneath, so the advice sits on books you can trust.

How it works

How a Kalos engagement starts

A 30-minute call to understand the business. Then a written proposal with a flat monthly price. Onboarding takes a few weeks: access to your accounts, a review of the last few months of books, and a monthly calendar we both stick to. Most owners see their first 13-week forecast within the first month.

Which tier fits

Compass is the fractional CFO tier

CFO work lives in Compass, from $7,000 per month, which includes everything in Ledger (bookkeeping) and Rhythm (AP/AR). If you mainly need clean books and bills paid on time, start with Ledger or Rhythm and add CFO work when the decisions get bigger. Not sure which you need? Read fractional CFO vs bookkeeper vs CPA.

ClarityLedgerFrom $650/moMomentumRhythmFrom $1,150/moConfidenceCompassFrom $7,000/mo

Common questions

Fractional CFO in Houston: common questions

What does a fractional CFO do for a Houston small business?
The same thing a full-time CFO does, part time: a cash forecast you can trust, a budget and plan-versus-actual each month, margin by job or service line, and a second set of eyes on pricing, hiring, debt, and acquisitions. At Kalos it’s Ansel Michels, CPA, doing that work personally.
How much does a fractional CFO cost in Houston?
At Kalos, CFO work is part of Compass, which starts at $7,000 per month and includes bookkeeping and AP/AR too. It’s a flat monthly fee based on revenue and complexity, never hourly. You get a fixed written price after a 30-minute call.
When does a business need a fractional CFO instead of just a bookkeeper?
When the questions change from “are the books right?” to “can we afford this?” Common triggers: revenue between $1M and $10M, a bank asking for projections, a big hire or equipment purchase, a line of credit, a tight cash month you didn’t see coming, or a plan to sell in a few years.
Is a fractional CFO the same as a CPA?
No. Your tax CPA files returns and looks backward at last year. A fractional CFO looks forward: cash, margins, and decisions this quarter. Ansel is a CPA, but Kalos does not prepare tax returns. We work alongside your tax CPA and hand them a clean year-end package.
Do you work only with Houston businesses?
Kalos is based in Houston and focuses on Houston and the Gulf Coast. Most of the work is remote in QuickBooks Online and Ramp, with in-person meetings when they help.
What size business is a fit?
Established, owner-operated service businesses doing roughly $1M to $10M in revenue: contractors and trades, professional services, real estate operators with several entities, and nonprofits. Pre-revenue startups are not a fit.

Thirty minutes, and you’ll know whether this is worth a second conversation.

Bring your last month’s P&L if you have it handy. If you don’t, that’s useful to know too.

Book a 30-minute call