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.
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After Hours & Weekends: By Appointment

09/04/2026

Here is an honest thing about running a business in September.

You have been going hard for eight months. You are tired. And there are three more to go.

The last thing you want to do is sit down and look at your numbers.

But here is what happens when you do.

Half the time — things are better than you thought. And knowing that gives you energy.

The other half — there is something to address. And knowing that gives you a plan.

Either way, you are no longer running on anxiety. You are running on information.

That shift — from anxious to informed — is one of the most underrated things a Fractional CFO delivers.

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

The Three Numbers That Tell You If Q4 Is Going to Be OkayIf I could only look at three numbers heading into Q4, here is ...
09/03/2026

The Three Numbers That Tell You If Q4 Is Going to Be Okay

If I could only look at three numbers heading into Q4, here is what I would check.

1. Current cash balance vs. upcoming obligations in the next 60 days.
This tells me if there is a cash gap coming before the year is done.

2. Gross margin for the last quarter vs. the same period last year.
Is the business more or less profitable per dollar of revenue than it was? Why?

3. Revenue needed in Q4 to hit my annual target.
Is that number realistic given my pipeline and historical Q4 performance?

If all three look solid — the year is likely finishing well.
If one or more has a problem — now is the time to address it.

What a Year-to-Date Report Actually Tells YouYour year-to-date (YTD) report shows you everything that happened financial...
09/03/2026

What a Year-to-Date Report Actually Tells You

Your year-to-date (YTD) report shows you everything that happened financially from January 1 to today.

Here is how to use it.

Compare to last year. Are you ahead or behind the same period? Why?

Compare to your plan. If you set revenue targets in January, how close are you?

Look at expense growth vs. revenue growth. If expenses grew faster than revenue, your margin is shrinking.

Look at the categories that surprised you. Where did money go that you did not expect?

A YTD report is not just a record. It is a diagnostic tool. The questions you ask of it are what make it useful.

The business owners who have the best Q4s are not the ones who work the hardest in December.They are the ones who did th...
09/03/2026

The business owners who have the best Q4s are not the ones who work the hardest in December.

They are the ones who did their financial check-in in September.

They knew their year-to-date position.
They knew what they needed to hit their targets.
They knew where the cash would be under different scenarios.

So when opportunities came in October and November — they could say yes or no with confidence.

That is not luck. That is preparation.

And preparation is exactly what we help with.

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

September always hits different.Summer is over. Q4 is three months away. And somewhere between the back-to-school rush a...
09/03/2026

September always hits different.

Summer is over. Q4 is three months away. And somewhere between the back-to-school rush and the first hint of fall, most business owners feel it.

That quiet pressure of — I need to know where I actually stand.

Not the optimistic version. Not the stressed version. The real one.

How did the first eight months actually go?
Is the business where it needs to be?
What has to happen in Q4 to make this a year worth celebrating?

We help small business owners answer those questions with their actual numbers — not estimates, not gut feelings.

If September is your "let's get real" moment, we are ready for that conversation.

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

A small business owner came to us in August last year.She had a profitable business. Great clients. A team she was proud...
08/26/2026

A small business owner came to us in August last year.

She had a profitable business. Great clients. A team she was proud of.

But she had no idea what the second half of the year was going to look like financially. She was going into Q4 blind.

We spent one session looking at her year-to-date numbers, her upcoming expenses, her revenue pipeline, and what she personally needed from the business by year-end.

Two hours later she had a Q4 plan with specific targets, a clear picture of her cash position, and for the first time — a number attached to what "a good year" actually meant.

She told us it was the most useful two hours she had spent on her business all year.

August is the right time for that conversation.

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

If you are a small business owner or not-for-profit leader and any of this sounds familiar —You are not sure if your boo...
08/24/2026

If you are a small business owner or not-for-profit leader and any of this sounds familiar —

You are not sure if your books are actually helping you make decisions.
You feel like you are always reacting financially instead of planning.
You have personal goals for the business but no financial path connecting them.
You want someone who knows your numbers and can talk to you in plain language.
You want bookkeeping, payroll, and advisory in one place — from someone who actually cares.

We would like to talk to you.

Not to pitch you. Not to give you a proposal on the first call.

Just to understand where you are and whether we can help.

MROMERO CPA | Fractional CFO, CAS Advisory, Bookkeeping & Payroll
For small businesses and not-for-profit organizations
778-978-0021 | 250-554-8381 | [email protected]

08/21/2026

You started this business for a reason.

Maybe it was freedom. Maybe it was to build something. Maybe it was to be your own boss or to create a life that worked on your terms.

That reason is still there.

But sometimes — in the middle of invoices and payroll and client emails and late nights — it gets buried.

We think about that reason a lot when we work with our clients.

Because the financial strategy we build is not just about the business. It is about the life the business is supposed to create.

When we know what you are building toward, the numbers have a direction.

And a direction is what turns a financial plan from a document into a tool.

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

What would change for you if every financial decision you made this year had a number behind it?Not a guess.Not a feel.N...
08/19/2026

What would change for you if every financial decision you made this year had a number behind it?

Not a guess.
Not a feel.
Not a bank balance check.

An actual number — based on current books, current margins, current cash position.

Would you hire faster?
Would you price differently?
Would you take that contract?
Would you finally pay yourself what you are worth?

Financial clarity does not change the decisions you have to make.
It changes how you feel making them.

From anxious to grounded.
From reactive to intentional.

That shift is what we are selling.
The numbers are just how we get you there.

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

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Kamloops, BC

Telephone

+17789780021

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