Gain Insight, Unlock Profit, & Fuel Growth.
Bespoke fractional CFO services that deliver clarity, profitability, and sustainable growth.
About TORO CFO
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Elite Foundation
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Proven Track Record
+ Biomedical Research
5 years of brain cancer and spinal cord rejuvenation research at Baylor College of Medicine.
+ Enterprise Finance
21+ years as a Finance Leader at HP Inc. with expertise across manufacturing, inventory, supply chain, operations, new business ventures and Financial Planning & Analysis (FP&A).
+ Entrepreneurship
15 years of entrepreneurial experience with a family owned small business within the automotive OEM and aftermarket industry.
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Client-Centric Focus
Toro CFO is a fractional CFO firm delivering elite financial insight and strategy. With 21+ years leading finance at Fortune 100 scale, we bring clarity and structure to complex financial landscapes.
Founder Richard Rosado earned an MBA from Cornell University (Managerial Finance & Entrepreneurship) and led finance across HP’s global organizations—now channeling that expertise to help small and mid-sized companies gain stability, discover insights, and unlock growth.
+ Low-Volume High-Value Model
We believe in a low-volume, high-value model: providing personalized, strategic CFO partnership tailored to your business goals as your trusted financial partner.
Our focus on 3 to 4 select clients ensures a personalized experience tailored to your business goals, strategies and long-term success.
+ Bespoke Approach
TORO CFO delivers a tailored experience that evolves with your business journey. We develop bespoke financial strategies and reports tailored to your industry, market, and business goals.
Unlike cookie-cutter solutions, our fractional CFO services provide customized insights and actionable guidance that align with your unique business.
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A Fraction of the Cost of a Full-Time CFO!
Compared to a full-time CFO (salary, bonus, equity, benefits), a fractional model can save $70K–$190K per year while delivering executive-level impact.
With TORO CFO you benefit from cost efficiencies and gain a financial partner who provides critical financial insight that fuels growth.
Annualized cost of Fractional CFO vs Full-Time CFO ($K)
Elite Financial Leadership, Simplified.
Our services ensure you capture savings while unlocking high-value financial intelligence designed to accelerate profitability and growth.
Establish financial control, clarity and confidence with disciplined reporting, tailored metrics, and structured insights. Gain Real-time visibility into cash flow, profitability and tailored KPI’s so you can make confident, data-driven decisions.
$5,000 / month
Financial Stability
Real-time cash-flow visibility, KPI dashboards, and disciplined reporting.
Accelerate performance with enhanced planning, advanced metrics, and proactive financial analysis. Unlock hidden profit opportunities, optimize capital allocation and build scalable frameworks that fuel long-term growth.
$10,000 / month
Advanced Insight
Profit acceleration, capital planning, and scalable frameworks.
Unlock boardroom-ready insights, long-term forecasting, and integrated financial leadership. Work directly with a Cornell MBA and Fortune 100 finance leader who delivers enterprise-level insight tailored to your business.
$15,000 / month
Elite Partnership
Elite insight from a Cornell MBA & Fortune 100 finance leader.
Results with Bottom Line Impact.
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$800M+ Cost Efficiencies
HP Inc. Global Function cost efficiencies via financial tools and visual insights that enabled strategic and focused decisions.
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$200M Margin Correction
HP Inc. PC returns business driven by a 333% cost alignment via development of financial insight tools and supporting processes.
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6 days Process Reduction
HP Inc. PC Supply Chain organization monthly financial close and reporting cycle driving simplification, consolidation and process excellence.
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300% Cost Correction
HP Inc. printer manufacturing cost correction by developing an activity-based pricing tool which yielded $15M+ of yearly manufacturing savings.
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$30M+ Manufacturing Savings
HP Inc. printer manufacturing savings driven by the development of a product siting strategy based on production complexity and tax burden.
Who We Serve
Toro CFO partners with ambitious, growth-focused companies that are ready to elevate their financial strategy. Our model is designed for organizations that need more than bookkeeping or tax work — they need a strategic CFO partner who can unlock clarity, growth, and value creation.
Ideal Clients Include:
Companies with ~$3M+ annual revenue and a clear path to scale
Founder-led or CEO-driven businesses seeking to delegate financial leadership
Organizations preparing for fundraising, acquisitions, or exits
Businesses experiencing margin pressure, cash flow complexity, or rapid growth
Teams that value data-driven insights and proactive financial guidance
Not Ideal For:
Pre-revenue startups still testing product-market fit
Solopreneurs or lifestyle businesses with minimal financial complexity
Businesses seeking only bookkeeping, payroll, or tax compliance services
If you see yourself in our ideal profile, we invite you to take the next step.
We’ll review your intake responses in advance so our discussion is targeted to your business needs. If we believe Toro CFO is not the right fit, we’ll provide you with honest feedback and may recommend trusted alternatives.
Schedule Your Strategic Discovery Call.
This complimentary 30-minute consultation is designed to uncover your top financial priorities and determine whether Toro CFO is the right partner for your growth.
Limited availability each week ensures every conversation is focused and tailored.
Completion of the intake questionnaire is required before your session is confirmed.
FAQ
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A Fractional CFO is an experienced financial executive who provides strategic leadership on a part-time or contract basis. At Toro CFO, we deliver enterprise-level financial insight, cash flow clarity, and growth strategy without the full-time CFO cost.
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An accountant focuses on recording transactions, preparing financial statements, and ensuring compliance with tax and reporting requirements. A Fractional CFO goes beyond accounting by delivering strategic financial leadership—including forecasting, cash flow management, growth planning, and investor readiness.
At Toro CFO, we don’t just report the numbers — we interpret them, provide actionable insights, and partner with leadership teams to drive profitability and long-term business growth.
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Companies typically engage a fractional CFO when they’ve outgrown basic bookkeeping or CPA services and need strategic guidance for scaling, profitability, or investor readiness. Toro CFO is ideal for businesses between $3M–$20M in revenue preparing for growth, funding, or operational transformation.
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Full-time CFOs often cost $250K+ per year, plus bonus, stock options and benefits. Toro CFO’s fractional model provides the same executive-level expertise through tiered services starting at $5K/month ($60K/year), delivering customized financial insight at a fraction of the cost.
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We integrate directly with your leadership team as a trusted financial partner. This ensures high-touch strategic guidance combined with efficient execution tailored to your industry and your specific business goals.
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Toro CFO’s model is low-volume, high-value, meaning we serve a select number of clients with personalized, bespoke financial strategies. Backed by an MBA from Cornell University and 21+ years at HP, plus experience in biotech, entrepreneurship, and small business, Toro CFO delivers unique insights that drive growth and profitability.