MRomero, CPA

MRomero, CPA I have worked in different industries from not-for-profit, tourism, and educational institutions.

At MRomero CPA we integrate guided expertise, technology innovation, and our THRIVE methodology to deliver a holistic CFO, accounting, and tax solution for growth oriented small business owners. Focusing on small to medium-sized businesses, I can definitely help you with your business needs whether you are a startup business, doing catch up with your books or you just need more time to spend focus

ing on your business or family. Being a business owner within

the community, I know and understand how tedious and time-consuming keeping your books updated can be. Entrust your business to us so you can have peace of mind and have more time to spend with what you love.
-----------

After Hours & Weekends: By Appointment

There is a certain kind of business owner — and you may recognize yourself here —who builds the systems, does the analys...
07/17/2026

There is a certain kind of business owner — and you may recognize yourself here —
who builds the systems, does the analysis, manages the books, reads the reports,
and considers the financial implications of every decision personally.

That is admirable.
And it is often unsustainable.

The cost of doing your own financial analysis is not just time.
It is cognitive load.
Mental energy you could be using to grow the business, serve clients, or simply stop working at 6pm.

There is a reason successful businesses bring in financial expertise.
Not because the owner cannot understand the numbers.
But because analyzing your own finances is a different skill than running a business —
and no one should have to do both at the same time.

You hire a lawyer so you do not have to write your own contracts.
You hire an IT person so you do not have to manage your own servers.
A Fractional CFO is the same idea.
You hire them so you do not have to be your own Chief Financial Officer.

Big News! 🎉Our Fractional CFO Services are now available across British Columbia and Alberta.We're here to help small bu...
07/17/2026

Big News! 🎉

Our Fractional CFO Services are now available across British Columbia and Alberta.

We're here to help small business owners improve cash flow, increase profitability, and make confident financial decisions.

Let's grow your business together.



MROMERO CPA | Fractional CFO & CAS Advisory
778-978-0021 | [email protected]

One of the most common financial gaps for small business owners is owner compensation.Most take what is left after expen...
07/16/2026

One of the most common financial gaps for small business owners is owner compensation.

Most take what is left after expenses.
Some pay themselves a fixed amount that has not changed in years.
Some avoid the question entirely because it feels complicated.

Here is why this matters.

How you pay yourself has tax implications — salary versus dividend, corporate versus personal.
What you pay yourself affects your ability to plan personally — savings, mortgage qualification, retirement.
And the discipline of a defined compensation forces the business to earn enough to support it.

Treating owner compensation as an afterthought — the residual, the whatever-is-left —
makes it impossible to plan your personal life.

A defined compensation, reviewed annually and structured intentionally, is one of the most stabilizing financial moves a small business owner can make.

If you have never had this conversation with a financial advisor, it is a good one to have.

Most people think of tax planning as: how do we minimize what I owe.That is a valid goal. But it is only half the conver...
07/15/2026

Most people think of tax planning as: how do we minimize what I owe.

That is a valid goal. But it is only half the conversation.

Here are some questions that actually connect tax to personal goals.

Are you trying to build personal savings this year?
A salary vs. dividend decision affects how much flows to you personally and how it is taxed.

Are you planning to sell the business in the next few years?
The structure of the sale, the timing, and how you have been paying yourself will significantly affect the tax on that event.

Are you trying to maximize what you leave behind?
Estate planning and business structure interact in ways most business owners have never considered.

Are you trying to reduce your tax burden while still drawing enough to live on?
That balance looks different for every owner and changes every year.

When you know where you are going personally, the tax strategy can be built to support that direction.
When you do not, you are just filing.

There is a version of financial management that a lot of small business owners are stuck in.The numbers arrive.They look...
07/15/2026

There is a version of financial management that a lot of small business owners are stuck in.

The numbers arrive.
They look at them.
They do not fully understand them.
They make a note to figure it out later.
Later does not come.
The next month's numbers arrive.

It is not a discipline problem.
It is a design problem.

The system was built to produce reports, not to produce decisions.

When your financial setup is designed around your actual needs as a decision-maker —
not just around compliance —
the numbers stop feeling like a burden and start feeling like a tool.

You stop avoiding them.
You start using them.

That shift happens when someone is translating the numbers for you,
not just sending them.

MROMERO CPA | Fractional CFO & CAS Advisory
778-978-0021 | [email protected]

Here is something I want to say directly.You should not have to be the one analyzing your own financial statements.You a...
07/13/2026

Here is something I want to say directly.

You should not have to be the one analyzing your own financial statements.

You are running a business.
You are managing a team or doing the work yourself.
You are selling, delivering, problem-solving, and leading.

That is already a full-time job.

The expectation that you should also be fluent in financial analysis — in variance reports, in margin calculations, in cash flow projections — on top of all of that is unreasonable.

And yet most small business owners are left to figure it out on their own.

The reports arrive.
The files come through.
And then it is up to the owner to interpret what it all means.

That is a gap — not because anything is being done wrong, but because interpretation and decision support are a different layer entirely.

A Fractional CFO closes that gap.
We sit in the numbers so you do not have to.
We translate what they mean and bring you what you need to decide.

You should be making decisions.
We should be giving you the information to make them.

MROMERO CPA | 778-978-0021 | [email protected]

07/10/2026

Three things a Fractional CFO keeps in view at the same time.

1. What the business earned and spent this month.
2. What the owner needs from the business this year.
3. What both of those mean for the decisions coming up next.

A compliance-focused financial relationship covers the first one.
The third one — the decisions coming up next — is where the real value lives.

Because the decisions coming up next are where the future gets made.

Whether to hire.
Whether to take on debt.
Whether to expand or stay focused.
How to pay yourself.
How to structure the business for what comes after.

None of those decisions are made well without someone who is looking at all three things together.

That is what a Fractional CFO is for.
It is not a luxury. It is the missing piece for most small business owners.

MROMERO CPA | 778-978-0021 | [email protected]

Tax planning done well is not just about reducing what you owe.It is about aligning what you owe with what you are tryin...
07/08/2026

Tax planning done well is not just about reducing what you owe.

It is about aligning what you owe with what you are trying to do.

Are you trying to build savings? There is a tax strategy for that.
Are you trying to draw down personal income this year? That changes the approach.
Are you planning to sell the business in five years? That shapes decisions today.
Are you trying to leave something behind? There are structures built for that.

Tax is not a separate topic from your personal goals.
It is one of the most direct expressions of them.

But most business owners only ever see the tax conversation as: what do I owe and how do I minimize it.

When you integrate your personal goals into the tax conversation, it becomes something completely different.
It becomes a tool for building the life you actually want.

That is how we approach it at MROMERO CPA.
Not tax as a cost to manage. Tax as a strategy to coordinate with where you are going.

MROMERO CPA | Fractional CFO & CAS Advisory
778-978-0021 | 250-554-8381 | [email protected]

Most financial conversations about your business treat the business as the main character.Revenue. Expenses. Margins. Gr...
07/06/2026

Most financial conversations about your business treat the business as the main character.

Revenue. Expenses. Margins. Growth.

But the business is not the point.
You are.

The business exists to give you something.
Financial security. Time. Options. A legacy.
Whatever it is — that is the point.

Which means the most important financial question is not "how is the business doing."

It is "is the business doing what you need it to do for your life."

Those two questions have different answers more often than you would think.

A business can be growing and still not be serving the owner's personal goals.
Revenue can be strong and the owner can still not be paying themselves what they are worth.
Profit can be there and the owner can still have no plan for what comes next.

The financial conversation that matters connects both sides.
What the business is doing, and what the owner is trying to build.

We make that conversation central at MROMERO CPA.
The business finances and the owner's personal goals — in the same room.

778-978-0021 | [email protected]

Address

Kamloops, BC

Telephone

+17789780021

Website

Alerts

Be the first to know and let us send you an email when MRomero, CPA posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to MRomero, CPA:

Shortcuts

Share

Category