FINANCIAL LEADERSHIP FOR GROWING BUSINESSES
Building Financial Leaders Through Strategic Tax Planning & Financial Leadership
Growth changes the questions business owners have to answer. Can we afford another hire? Should we buy another property? Why does cash feel tight when revenue keeps growing?
At Heartfelt CFO & Tax Services, we help business owners move beyond reactive accounting with ongoing CFO leadership, strategic tax planning, and financial guidance that helps them make better decisions with confidence.
Great businesses aren’t built by better bookkeeping alone.
Trusted across New York, New Jersey & nationwide
Fractional CFO • Strategic Tax Planning • Financial Leadership
Why Business Owners Reach Out
Most owners don't come to us because their books are behind.
They come to us because their business has reached a point where accurate numbers are no longer enough. Revenue has grown. The team has grown. The number of decisions has grown. They already have bookkeeping. Many already have a CPA. Most already receive reports. But they’re still asking:
Can we actually afford this next move?
Which opportunity deserves our attention first?
Are we making decisions that strengthen the business, or quietly creating future problems?
Where are we losing money without realizing it?
How do we keep growing without creating financial chaos?
We become the financial leadership layer that connects your bookkeeping, tax planning, cash flow, profitability, and business decisions into one clear strategy.
How We Think
Better financial decisions begin with better financial leadership.
Every growing business eventually reaches a point where success creates more complexity than clarity. More revenue. More moving parts. More people. More responsibility. What most owners need isn’t another report — it’s someone who can interpret what the numbers are saying, identify what deserves attention next, and build a plan for where the business is going, not just where it’s been.
We don’t believe financial leadership should happen once a year during tax season. We believe it should become part of the way you operate your business — because the right decisions don’t happen by accident. They happen when visibility, strategy, and leadership work together.
Meet Your Financial Leadership Partner
Financial strategy shouldn't only happen at tax time.
Hi, I'm Margo Masri — Founder & CEO, Heartfelt CFO & Tax Services. Fractional CFO. Speaker.
For more than three decades, I’ve worked alongside business owners through hiring, acquisitions, expansion, tax strategy, cash flow challenges, and the countless financial decisions that shape growing businesses. Business owners rarely struggle because they lack ambition. They struggle because growth creates financial questions no one has helped them answer.
That’s why I built Heartfelt differently — not to become another accounting firm, but to build a financial leadership practice that helps business owners understand their numbers, think strategically, reduce unnecessary taxes, and make confident decisions as their businesses grow.
Not Sure Where to Start?
Ask your first question.
Before scheduling a consultation, many business owners simply want clarity. That’s exactly why we built the Financial Clarity Guide – trained on years of real client conversations, CFO advisory work, tax planning, and financial strategy. It just doesn’t answer questions. It asks better ones.
“Why does cash feel tight when we’re profitable?”
“Can we afford another acquisition?”
“Are we paying ourselves the right way?”
“Should we restructure the business?”
“Why do we keep getting surprise tax bills?”
“How do I know what deserves my attention next?”
Who We Serve
We're the right fit if your business has outgrown reactive accounting.
01
Real Estate Investors & Operators
02
Healthcare & Mental Health Practices
03
Professional Service Businesses
04
Founder-led Companies
05
Multi-Entity Businesses
06
Businesses preparing for hiring, expansion, or acquisitions
How We Work
Financial leadership should feel structured, not reactive.
Every engagement is built around four principles.
Clarity
Know exactly where your business stands.
Strategy
Use your numbers to make better decisions.
Structure
Build financial systems that grow with your business.
Partnership
Work with a CFO who helps you think ahead.
What Changes
Financial clarity changes the way businesses grow.
Professional Services
Client
BEFORE:
Books always behind. No confidence in the numbers.
AFTER:
Clean monthly reporting and clear financial visibility.
Service-Based Business
Client
BEFORE:
CPA only showed up once a year.
AFTER:
Ongoing planning, regular check-ins, proactive guidance.
Founder-Led Business
Client
BEFORE:
Reactive, stressed, unsure what to prioritize.
AFTER:
Predictable planning and calmer decision-making.
Growing SMB
Client
BEFORE:
Overpaying taxes without realizing it.
AFTER:
Missed deductions captured, tax strategy in place.
Our Services
Financial support that grows with your business.
Rather than forcing every business into the same service, we’ve built a progression — start where you are today, and grow into the level of support your business needs tomorrow.
I. Financial Cleanup & Catch-Up
One-Time Project
- Full bookkeeping cleanup
- Historical reconciliation
- Tax filing / financing prep
- Reliable reporting, restored
II. Financial Essentials
Monthly Financial Foundation
For owners who need reliable financial management before adding more complexity. We build the habits, reporting rhythm, and visibility that allow better decisions over time.
- Monthly bookkeeping & reconciliations
- Accurate financial reporting
- Tax-ready books
- Consistent month-end process
III. Proactive Financial Leadership
Monthly Advisory + Financial Oversight
- Everything in Essentials
- Strategic tax planning
- Monthly advisory meetings
- Cash flow & profitability reviews
IV. Growth Strategy & Leadership
Strategic CFO Advisory
For businesses entering a new stage of growth. We evaluate opportunities before decisions are made, helping you grow with structure instead of reacting after the fact.
- Everything in Essentials
- Strategic tax planning
- Monthly advisory meetings
- Cash flow & profitability reviews
V. Crown Advisory
Our Highest Level of Partnership
- Executive-level financial leadership
- Advanced tax strategy
- Investor & financing support
- Multi-entity oversight & roadmap
Not sure where you fit? Let’s have that conversation together.
The Financial Leadership Series
Founder Insights
Practical insights from real client conversations, financial strategy sessions, and the decisions growing business owners make every day.
Ready for Your Next Step?
Build your business with financial leadership.
You’re probably not looking for another accounting firm. You’re looking for better decisions, better tax strategy, and a trusted partner who helps you think ahead.
That’s exactly what we built Heartfelt CFO & Tax Services to provide.