The Strategic CFO Partnership
For women business owners earning £25K+ months who are done watching money leak out, done finding out about their own numbers last, and ready for a CFO beside them, month after month.
Monthly 1:1 CFO support · from £1,500 a month · 3-month minimum · apply to join
businesses in one centre
You're not making £5K to £10K months any more. You're making serious money. So why does it still feel like you're the last one to know what's actually going on in your own business?
Consistent £25K+ months, whether that's through one business or several income streams. On paper, this should feel like success. But as the zeros get bigger, the brown envelope fear doesn't just disappear. You're still the one lying awake doing the maths. Still not entirely sure what's sitting in the business versus what's actually yours.
Still getting a corporation tax or VAT bill that lands like a surprise. Not because anyone has done anything wrong, but because it has never been anyone's job to sit with you every month and walk you through what your numbers mean. So you just pay it and hope it's right.
This is a safe space. There isn't much I haven't seen, and there's no shame in sharing the load so we can make sense of your finances together.
What changes when you have a CFO in your corner.
Not a Clarity Day. Not a course. It's your CFO.
The Strategic CFO Partnership is my highest level of support: an ongoing, one-to-one CFO relationship built on The Money Method, my five-pillar framework for business owners who are past the point of needing to be taught the basics and need someone to run this alongside them.
It's for the business owner whose numbers have outgrown a once-a-year conversation. Someone who wants a second set of eyes on every number, and a partner who will check, question anything that doesn't add up, and join the dots between the accounts, the bank and the plans.
The five pillars we work through, every month.
Tax liability built against cash flow
VAT, PAYE, corporation and personal tax, provisioned monthly and mapped directly against your cash flow. Every liability known, planned for and ring-fenced before it becomes a problem. No more surprise bills.
Corporation tax and structure
Monthly corporation tax calculations, so you always know what's owed and when, and whether your current structure (single entity, multiple entities or a group) is working for you or costing you.
The Money Leaks™ Framework
A full diagnostic of where money is leaving your business without a clear return. Unnecessary costs, inefficient structures, missed extraction opportunities. We find the leaks and we close them.
Personal extraction & your Magic Number
The most tax-efficient way for you to take money out of your business, whatever your structure. Salary, dividends, pension and expenses, built around your actual numbers.
Monthly financial check-in
A structured monthly review of your P&L, cash flow position and tax figures, working alongside your accountant. You get the numbers, know what they mean, and have your next moves ready.
Everything you get as a CFO client.
- An initial deep-dive session to map your full financial picture, across every entity
- Your personalised 90-day plan, built around the five pillars and sent after your first session
- A monthly 1:1 review session, structured around The Money Method
- I liaise with your accountant for you, so your monthly numbers, tax provisions and year-end all join up
- Tax liability provisioning and cash flow mapping, updated monthly
- The Money Leaks™ Framework diagnostic, with real figures attached
- Your personal extraction strategy, reviewed and adjusted as your numbers change
- Direct access to me between sessions for anything urgent
Hi, I'm Gemma Heard.
I'm a UK qualified accountant with over 20 years in finance across three continents. I looked after the finances of 220+ businesses in a commercial shopping centre turning over $400 million, I've had $37 million of profit assets through my hands, and today I also run GEM Accountancy, my award-winning practice.
I also know how it feels to rebuild from nothing. I've used these exact frameworks to build my own financial clarity from scratch, and I now use them every day with business owners who are earning well and still not sure where it's all going.
This isn't a taster and it's not a curriculum. It's what I do, every month, for the businesses I work with directly.
Built for women who've done the hard part.
This is for you if...
- You're consistently earning £25K+ months, whether that's one business or several
- You know money is leaking somewhere and you're tired of guessing where
- You want someone translating your numbers every month and turning them into decisions
- You want someone reviewing your numbers every month, not once a year at year end
- You may have more than one entity, income stream or director (common at this level, not a requirement)
- You're done managing this alone and ready to hand the oversight to someone who will see it through
It's not for you if...
- You're still building towards consistent revenue. The Wealth Clarity Day or The Wealth Academy will serve you better first
- You want to learn to do this yourself in a group, rather than have it managed with you 1:1
- You're looking for a bookkeeper or someone to do your compliance filings. Your accountant stays in place for that
One monthly retainer. Your numbers, never left to chance.
one director£1,500 /month
joint-director structures£2,500+ /month
How it works
Apply
Fill in a short application so I can see where you are right now.
Discovery call
We talk through your numbers, your structure and your goals, and confirm it's the right fit before anything is agreed.
Your deep dive
Booked as soon as your first payment lands. Your 90-day plan follows straight after.
Frequently asked questions
What's the difference between this and The Wealth Academy?
The Wealth Academy teaches you the system in a group, so you can run it yourself. The Strategic CFO Partnership is me running it with you, 1:1, every month, on an ongoing basis. If you want to learn it, start with the Academy. If you want it handled alongside you, this is the one.
What's the difference between this and The Wealth Clarity Day?
The Wealth Clarity Day is a single, focused 1:1 look at your business and personal money, with a plan for the next 90 days that you carry out yourself. The Strategic CFO Partnership is ongoing: I'm in your numbers with you every month, from a 3-month commitment, and I liaise with your accountant alongside you.
Will you work with my accountant?
Yes, happily. I liaise with your accountant so your monthly numbers, tax provisions and year-end all join up, and I translate it all into decisions you understand.
Is this done-for-you bookkeeping or tax filing?
No. Your accountant still looks after your returns and compliance. I work alongside them on the strategy side, so you understand and control what it all means for you.
What if I have more than one business, or a co-director?
Absolutely welcome. Multiple entities and joint directors are common at this level, and your pricing and plan are built around your specific structure, from £2,500 a month.
How much of my time does it take?
An initial deep dive, then one structured 1:1 review each month, plus direct access to me between sessions for anything urgent. I do the legwork, so it takes far less of your headspace than doing it alone.
What happens after the first 3 months?
After your 3-month minimum it rolls monthly, with 30 days' notice whenever you want to stop.
Is this regulated financial advice?
No. This is CFO-level strategy for your business: tax provisioning, cash flow, structure, extraction and oversight. Regulated areas like investments, pensions and mortgages sit outside it.
How do I get started?
Fill in the application form. Once I've reviewed it, we'll talk through your current position, your goals, and whether this is the right fit before anything is agreed.
You've done the hard part. You built the business.
What you need now isn't more revenue. It's someone who will get under the numbers with you every month, keep every tax bill planned for, and make sure nothing is quietly leaking out the side while you're busy running things.