For owner-led home service businesses
5 to 10 trucks. Books behind. Decisions getting bigger.
A free 60-minute strategy session with a senior CFO who's spent 20+ years inside owner-led service businesses. Walk away with three specific things you can act on Monday morning. No prep. No pitch. No cost.
60 minutes
Phone or video
Limited weekly slots
Sound familiar?
It's late. The lights are on.
The math isn't adding up.
We've sat across the table from owners in every one of these moments. None of them are catastrophic. All of them are signals that the financial picture has stopped keeping up with the operational reality. Recognize any of them?
11pm · Tuesday
"You're still doing payroll."
Your daughter handles the books. She was great when you had three trucks. At eight, she's drowning.
First of the month
"Books look fine. The bank doesn't."
Revenue is up. Cash isn't. Somewhere in the gap, money is leaking — and you don't know where.
Mid-quarter
"Which trucks made money last month?"
Eight trucks, eight territories. The P&L tells you the total. It tells you nothing about which truck is carrying the team.
Three weeks running
"The new truck quote is still on your desk."
$85K decision. The math is in your head — never on paper, never modeled, never stress-tested.
Sunday night
"You haven't raised prices in 18 months."
Fuel up 22%. Labor up 18%. Parts up 15%. You think competitors raised theirs — but you don't actually know.
Annual review
"You're growing. Cash isn't."
Top line is up. Crews are busier. There's less left at the end of the month than two years ago. You can feel it.
Last Wednesday
"A truck broke down. $3,400."
Plus a day of revenue lost. Surprise repairs are running a pattern — but you've never run the numbers on what fleet ownership is really costing.
Year-end
"Your CPA found errors. Again."
Books had to be reorganized — for the second year in a row. You're paying for cleanup work that should never have happened.
If three or more of these sound like you, we should talk. The first 60 minutes are free, and you'll walk away with answers you don't have right now.
Book Your Free Session
And…
If three or more sound true,
this session is for you.
We work with owner-led plumbing, HVAC, electrical, landscaping, and general contracting businesses that have grown past five trucks. The signals below are the patterns we see again and again — and the patterns this session is designed to address.
You run between 5 and 10 trucks — and you still own them outright.
A family member or part-time bookkeeper is running QuickBooks.
You can't tell which trucks or techs are actually most profitable.
You're sitting on a big decision — HVAC expansion, second location, hire a manager — and you're stuck.
You haven't raised prices in over a year — but everything else has gone up.
Revenue is solid, but cash never feels like enough at the end of the month.
You've thought about hiring a controller or fractional CFO, but never pulled the trigger.
You're growing, but you don't have a real number for what each new truck would add to the bottom line.
If you checked three or more, the math is telling you something. Let's put a real number on it together — in 60 minutes, no cost, no pitch.
The deliverable
This is what your Snapshot looks like.
Not a one-page summary. Not a generic PDF. A personalized seven-section written diagnostic of your business — built from your actual numbers, benchmarked against home-services industry data, with every gap quantified in dollars. Yours to keep, share, and act on.
Section 02 · Current Position
Your KPIs vs benchmark
Four numbers that frame the conversation.
Annual EBITDA$216K
Fleet cost / truck$14.2K
Tech utilization54%
Revenue / truck$300K
Section 04 · Focus Areas
5 priorities, $-quantified
The highest-leverage moves, ranked by impact.
01
Fleet transition & cash
$180K
02
Per-truck visibility
$120K
03
Service-line pricing
$60–100K
04
HVAC decision model
Risk-adj.
Section 05 · 90-Day Plan
Sequenced timeline
What gets built when. Each milestone is something you can use.
Month 1
Month 2
Month 3
Every Snapshot includes
Cover with key findings. Operational health index score and the headline opportunities.
Current position with charts. Your KPIs visualized against industry benchmarks.
Strengths and gaps. Six of each, with a quantified summary panel.
Five strategic focus areas. Each with diagnosis, deliverable, financial impact, and timeline.
90-day plan. Workstream-by-workstream Gantt with three milestone checkpoints.
The Engagement breakdown. What you'd be signing up for if we go forward — clearly priced.
What you'll walk away with
My call with you will give you
three things you can act on Monday.
This is not an introductory call. It's a working session. By the end of 60 minutes you'll have specific numbers, a named priority, and a clear decision framework on whatever's on your desk.
01
A real number for your fleet cost.
What you're spending per truck per year — fuel, maintenance, insurance, depreciation — measured against the fleet-managed benchmark. Most owners are 30–50% above benchmark and don't know it.
02
Your biggest financial leak, named.
Of the gaps we surface, which one is costing you the most right now — and what closing it would mean in dollars. Usually between $80K and $250K of recoverable margin.
03
A clear next step — even if that's "wait."
On the decision sitting on your desk: HVAC expansion, second location, hiring a manager, fleet transition, pricing increase. You'll leave with a defensible answer or a real reason to hold.
How we help
A clear path from "I'm not sure" to "I know what to do."
Three steps. The first is free. The second is the deliverable that ties it all together. The third only happens if you decide it should.
Step 01 · Free
Financial Clarity Call
A working session, not a sales call. Tom walks through what's working, what's unclear, and the decision sitting on your desk — with industry benchmarks for businesses your size in hand.
- Where your business is leaking margin
- What your fleet is really costing per truck
- Tech utilization vs benchmark — in dollars
- A clear next step on the big decision
Step 02 · What you need is
A Snapshot that gives you real answers.
A personalized written diagnostic of your business — your actual numbers, benchmarked, with the highest-leverage opportunities named and quantified in dollars. The deliverable owners take into bank meetings, partner conversations, and leadership reviews.
- Your numbers, benchmarked against industry data
- 5 strategic focus areas, each $-quantified
- A 90-day plan with measurable milestones
- Yours to keep — even if you don't engage further
Step 03 · Only if it's a fit
90-Day CFO Engagement
If the Snapshot makes the case, we execute it together. 90-day cleanup and transformation, then ongoing fractional CFO services month-to-month. No setup fee, no annual commitment.
- Phase 1: Build the visibility, models, decision rhythm
- Phase 2: Ongoing CFO support — month-to-month
- 30-day notice after the first 90 days
- Same monthly rate across both phases
Who you'll talk to
Senior CFO experience. Owner-operator voice.
Tom Schipper has spent 20+ years in CFO roles — half of that inside owner-led service businesses. He knows how a 10-truck operation actually runs, what the books look like at this stage, and what the real financial pressure points are. The session is run by him personally — not by an analyst, not by a junior.
Book a Session With TomTom Schipper
Founder · Senior Fractional CFO
20+
Years CFO experience
50+
Owner-led companies advised
$500M+
Capital deployed
What this isn't
Not a sales call. Not a free audit pitch.
Be honest with you — most "free strategy sessions" are 50 minutes of qualifying questions and 10 minutes of pitch. Ours isn't. Here's the difference.
Not this
- 50 minutes of generic discovery questions
- A pitch deck about our methodology
- A scripted offer at the 55-minute mark
- Junior account exec on the line, not the CFO
- "Send us your financials and we'll get back to you"
- Boilerplate advice that applies to anyone
This instead
- 20 minutes you talk, 40 minutes Tom diagnoses
- Specific numbers from your business compared to benchmarks
- Three takeaways you can act on Monday morning
- The senior CFO on the line — not a delegate
- No documents needed. No prep work for you
- Industry-specific to home service businesses, not generic
Tom and his team brought clarity to our numbers and strategy. It's been a game changer.
Jody Stoehr · CEO, Owner-led Service Business
Common questions
Answered straight up.
Yes. No card required, no hidden fee. We do this because the home services owner who fits our work is rare enough that we'd rather invest 60 minutes finding the right ones than chase a hundred wrong ones.
A personalized written diagnostic of your business — delivered as a branded interactive page within 5–7 days of the call. Seven sections covering your current position, strengths and gaps, five focus areas with quantified financial impact, a 90-day plan, and the engagement breakdown. It's the document owners take into bank meetings, partner conversations, and leadership reviews. After the call, if it's a fit, Tom builds it from your specific data.
Then this still works. Most owners who book this aren't ready — they're trying to figure out whether they should be. The session is designed to give you a clearer answer either way. If the right move is "stay where you are for 6 months," Tom will tell you that. The Snapshot, if you commission it, is yours to use however you want — even if you don't go forward with full CFO support.
No. Some prep questions, yes — revenue range, truck count, the decision you're sitting on. But no financial documents. The call works off your knowledge of your own business and the industry benchmarks Tom brings to the table. If you commission a Snapshot afterward, that's when financial data comes in — but only what's actually needed, not a full audit.
Your accountant looks backward — what happened, what taxes, what to file. A CFO looks forward — what to decide, what to invest in, what to charge. Both matter, but they're different roles. This call is a forward-looking strategy session, not a tax conversation.
If we both think there's a fit, Tom can build a personalized Financial Clarity Snapshot for your business — your numbers, your benchmarks, your priorities. From there, you decide whether to engage him for the 90-day implementation. If you'd rather just take what you got from the session and run with it, that's fine too. No pressure either way.
Tom personally. That's the whole point — and it's why we cap the number of sessions per week. The value of the session comes from talking to a CFO who's seen 50+ owner-led businesses, not from a discovery rep. The Snapshot, if you commission one, is also built by Tom directly.
Book your session
60 minutes. Three answers. No catch.
Pick a time that works. We'll send a calendar invite, a couple of prep questions, and a confirmation. That's it. Walk in with your knowledge of your own business — walk out with three things you can act on Monday morning.