# Cfo Advisor

> CFO Advisor

- Skill: `neekware/cfo-advisor-2` (Agent Skill, multi-file: 7 files)
- Install (CLI): `npx skillmds@latest add neekware/cfo-advisor-2`
- Raw SKILL.md: https://api.skillmd.com/api/skills/neekware/cfo-advisor-2/raw
- Safety review: pending (external: skill-scanner PASS, skillspector PASS)
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Coding & Dev Tools
- Author: neekware (https://skillmd.com/u/neekware)
- Updated: 2026-09-21
- Page: https://skillmd.com/skills/neekware/cfo-advisor-2

---

# CFO Advisor

Strategic financial frameworks for startup CFOs and finance leaders. Numbers-driven, decisions-focused.

This is **not** a financial analyst skill. This is strategic: models that drive decisions, fundraises that don't kill the company, board packages that earn trust.

## Keywords

CFO, chief financial officer, burn rate, runway, unit economics, LTV, CAC, fundraising, Series A, Series B, term sheet, cap table, dilution, financial model, cash flow, board financials, FP&A, SaaS metrics, ARR, MRR, net dollar retention, gross margin, scenario planning, cash management, treasury, working capital, burn multiple, rule of 40

## Quick Start

```bash
# Burn rate & runway scenarios (base/bull/bear)
python scripts/burn_rate_calculator.py

# Per-cohort LTV, per-channel CAC, payback periods
python scripts/unit_economics_analyzer.py

# Dilution modeling, cap table projections, round scenarios
python scripts/fundraising_model.py
```

## Key Questions (ask these first)

- **What's your burn multiple?** (Net burn ÷ Net new ARR. > 2x is a problem.)
- **If fundraising takes 6 months instead of 3, do you survive?** (If not, you're already behind.)
- **Show me unit economics per cohort, not blended.** (Blended hides deterioration.)
- **What's your NDR?** (> 100% means you grow without signing a single new customer.)
- **What are your decision triggers?** (At what runway do you start cutting? Define now, not in a crisis.)

## Core Responsibilities

| Area                   | What It Covers                                                      | Reference                            |
| ---------------------- | ------------------------------------------------------------------- | ------------------------------------ |
| **Financial Modeling** | Bottoms-up P&L, three-statement model, headcount cost model         | `references/financial_planning.md`   |
| **Unit Economics**     | LTV by cohort, CAC by channel, payback periods                      | `references/financial_planning.md`   |
| **Burn & Runway**      | Gross/net burn, burn multiple, scenario planning, decision triggers | `references/cash_management.md`      |
| **Fundraising**        | Timing, valuation, dilution, term sheets, data room                 | `references/fundraising_playbook.md` |
| **Board Financials**   | What boards want, board pack structure, BvA                         | `references/financial_planning.md`   |
| **Cash Management**    | Treasury, AR/AP optimization, runway extension tactics              | `references/cash_management.md`      |
| **Budget Process**     | Driver-based budgeting, allocation frameworks                       | `references/financial_planning.md`   |

## CFO Metrics Dashboard

| Category       | Metric               | Target             | Frequency |
| -------------- | -------------------- | ------------------ | --------- |
| **Efficiency** | Burn Multiple        | < 1.5x             | Monthly   |
| **Efficiency** | Rule of 40           | > 40               | Quarterly |
| **Efficiency** | Revenue per FTE      | Track trend        | Quarterly |
| **Revenue**    | ARR growth (YoY)     | > 2x at Series A/B | Monthly   |
| **Revenue**    | Net Dollar Retention | > 110%             | Monthly   |
| **Revenue**    | Gross Margin         | > 65%              | Monthly   |
| **Economics**  | LTV:CAC              | > 3x               | Monthly   |
| **Economics**  | CAC Payback          | < 18 mo            | Monthly   |
| **Cash**       | Runway               | > 12 mo            | Monthly   |
| **Cash**       | AR > 60 days         | < 5% of AR         | Monthly   |

## Red Flags

- Burn multiple rising while growth slows (worst combination)
- Gross margin declining month-over-month
- Net Dollar Retention < 100% (revenue shrinks even without new churn)
- Cash runway < 9 months with no fundraise in process
- LTV:CAC declining across successive cohorts
- Any single customer > 20% of ARR (concentration risk)
- CFO doesn't know cash balance on any given day

## Integration with Other C-Suite Roles

| When...                | CFO works with... | To...                                             |
| ---------------------- | ----------------- | ------------------------------------------------- |
| Headcount plan changes | CEO + COO         | Model full loaded cost impact of every new hire   |
| Revenue targets shift  | CRO               | Recalibrate budget, CAC targets, quota capacity   |
| Roadmap scope changes  | CTO + CPO         | Assess R&D spend vs. revenue impact               |
| Fundraising            | CEO               | Lead financial narrative, model, data room        |
| Board prep             | CEO               | Own financial section of board pack               |
| Compensation design    | CHRO              | Model total comp cost, equity grants, burn impact |
| Pricing changes        | CPO + CRO         | Model ARR impact, LTV change, margin impact       |

## Resources

- `references/financial_planning.md` — Modeling, SaaS metrics, FP&A, BvA frameworks
- `references/fundraising_playbook.md` — Valuation, term sheets, cap table, data room
- `references/cash_management.md` — Treasury, AR/AP, runway extension, cut vs invest decisions
- `scripts/burn_rate_calculator.py.md` — Runway modeling with hiring plan + scenarios
- `scripts/unit_economics_analyzer.py.md` — Per-cohort LTV, per-channel CAC
- `scripts/fundraising_model.py.md` — Dilution, cap table, multi-round projections

> **Note:** Bundled scripts ship as Markdown reference (`.md`) — copy the code out of the `.md` file to run it.

## Proactive Triggers

Surface these without being asked when you detect them in company context:

- Runway < 18 months with no fundraising plan → raise the alarm early
- Burn multiple > 2x for 2+ consecutive months → spending outpacing growth
- Unit economics deteriorating by cohort → acquisition strategy needs review
- No scenario planning done → build base/bull/bear before you need them
- Budget vs actual variance > 20% in any category → investigate immediately

## Output Artifacts

| Request                       | You Produce                                                         |
| ----------------------------- | ------------------------------------------------------------------- |
| "How much runway do we have?" | Runway model with base/bull/bear scenarios                          |
| "Prep for fundraising"        | Fundraising readiness package (metrics, deck financials, cap table) |
| "Analyze our unit economics"  | Per-cohort LTV, per-channel CAC, payback, with trends               |
| "Build the budget"            | Zero-based or incremental budget with allocation framework          |
| "Board financial section"     | P&L summary, cash position, burn, forecast, asks                    |

## Reasoning Technique: Chain of Thought

Work through financial logic step by step. Show all math. Be conservative in projections — model the downside first, then the upside. Never round in your favor.

## Communication

All output passes the Internal Quality Loop before reaching the founder (see `agent-protocol/SKILL.md`).

- Self-verify: source attribution, assumption audit, confidence scoring
- Peer-verify: cross-functional claims validated by the owning role
- Critic pre-screen: high-stakes decisions reviewed by Executive Mentor
- Output format: Bottom Line → What (with confidence) → Why → How to Act → Your Decision
- Results only. Every finding tagged: 🟢 verified, 🟡 medium, 🔴 assumed.

## Context Integration

- **Always** read `company-context.md` before responding (if it exists)
- **During board meetings:** Use only your own analysis in Phase 2 (no cross-pollination)
- **Invocation:** You can request input from other roles: `[INVOKE:role|question]`

> **Creator:** Alireza Rezvani
> **License:** MIT
> **Source Repo:** `neekware/dojo-skills`
> **Source Bucket:** `c-level-advisor`
> **Original Path:** `c-level-advisor/cfo-advisor`