Your bookkeeper keeps the records current. Your tax accountant handles your tax and compliance work - but who is helping you understand the numbers, plan ahead, and make better financial decisions?
Aperio Advisory provides fractional financial management support for growing businesses — helping leadership with cash flow planning, budgeting, forecasting, financial processes, and decision support.
We work with growing businesses scaling up to $20M to bring structure, visibility, and forward-looking financial planning into day-to-day management. The goal is simple: help leadership plan cash requirements, evaluate scenarios, monitor performance, and make informed business decisions.
Fix cash flow blind spots. Stop worrying about next month’s payroll or wondering where revenue went. We isolate where capital is trapped in your day-to-day operations, clearing out immediate bottlenecks so you can finally breathe easier.
Eliminate the guesswork. Moving fast shouldn’t mean flying blind. We replace loose habits and late-night bank balance checking with trusted 13-week forecasting, giving you total visibility to make decisions on real data.
Grow with confidence. Scaling a business creates intense operational pressure. We build the professional financial systems required to back your next major milestones—whether that’s hiring leadership, expansion, or planning an exit.
"Your business isn't the issue — you just don't have the clarity you need to make decisions on purpose."
You're running a real business — but the financial side hasn't kept up.
It's the groundwork every engagement above is built on. See how it works →
Understand what's actually happening in your business.
Fix the most immediate constraint in the business.
Turn visibility into forward-looking action.
Most business owners are excellent at what they do. The gap isn't capability — it's clarity in the numbers that drive decisions.
Craig Rowan has spent 20 years in corporate finance, treasury, and banking. He founded Aperio to bridge the gap between bookkeeping and tax services for businesses between $1M and $20M in revenue. Aperio provides the financial leadership in between — helping owners understand their numbers, manage cash flow, plan ahead, and make better business decisions.
We work with businesses where growth is real and financial decisions are becoming harder to manage day-to-day.
Two decades of corporate finance experience, translated into decisions you can actually use.
You work directly with Craig on every engagement. No handoffs, no layers — just consistent support.
A 30-minute conversation. No pressure. Just clarity on where your biggest opportunities are.