Gain Insight, Unlock Profit and Fuel Growth.
Bespoke Fractional CFO services that deliver strategic clarity, measurable profit, and long-term growth.
About TORO CFO
Toro CFO is a fractional CFO firm delivering elite financial insight and strategy. With 21+ years leading finance at Fortune 100 scale, we bring clarity and structure to complex financial landscapes.
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Elite Foundation
Founder Richard Rosado earned an MBA from Cornell University (Managerial Finance & Entrepreneurship) and led finance across HP’s global organizations—now channeling that expertise to help small and mid-sized companies gain stability, discover insights, and unlock growth.
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Proven Track Record
+ Enterprise Finance
21+ years as a Finance Leader at HP Inc. with expertise across manufacturing, inventory, supply chain, operations, new business ventures and Financial Planning & Analysis (FP&A).
+ Biomedical Research
5 years of brain cancer and spinal cord rejuvenation research at Baylor College of Medicine.
+ Entrepreneurship
15 years of entrepreneurial experience with a family owned small business within the automotive OEM and aftermarket industry.
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Client-Centric Focus
+ Low-Volume High-Value Model
We operate on a low-volume, high-value model—delivering strategic CFO partnerships built around your specific business objectives.
By working with only 3–4 select clients at a time, we ensure every engagement receives the depth of insight, precision, and attention required for long-term financial success.
+ Bespoke Approach
TORO CFO delivers a bespoke financial partnership that evolves with your business growth and complexity. We design financial strategies and reporting frameworks precisely aligned with your industry, market dynamics, and objectives.
Unlike off-the-shelf solutions, our fractional CFO services provide data-driven insights and strategic guidance that align with your unique business model.
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A Fraction of the Cost of a Full-Time CFO!
Compared to a full-time CFO (salary, bonus, equity, benefits), a fractional model can save $70K–$190K per year while delivering executive-level impact.
With TORO CFO you benefit from cost efficiencies and gain a financial partner who provides critical financial insight that fuels growth.
Fractional CFO vs Full-Time CFO ($K)
Fractional CFO Services
Elite Financial Leadership, Simplified. Our services ensure you capture savings while unlocking high-value financial intelligence designed to accelerate profitability and growth.
Financial Stability
Real-time visibility into cash-flow, profitability, and KPIs so you can make confident data-driven decisions
Establish financial control, clarity and confidence with disciplined reporting, tailored metrics, and structured insights.
$5,000 / month
Advanced Insight
Unlock hidden profit, optimize capital allocation, and build scalable frameworks for long-term growth.
Accelerate performance with enhanced planning, advanced metrics, and proactive financial analysis.
$10,000 / month
Elite Partnership
Direct access to a Cornell MBA & Fortune 100 finance leader delivering boardroom-ready insight
Unlock boardroom-ready insights, long-term forecasting, and integrated financial leadership.
$15,000 / month
Proven Financial Results
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![TORO CFO - Case Results - $800M Cost Efficiencies]()
$800M+ Cost Efficiencies
Achieved $800M+ in global horizontal cost efficiencies through advanced financial tools and visual analytics that empowered strategic decision-making.
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![TORO CFO - Case Result - $200M Margin Correction]()
$200M Margin Correction
Realized $200M in margin correction by developing financial insight tools that drove a 333% improvement in cost alignment and profitability.
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![TORO CFO - Case Result - 6-Day Financial Close Reduction]()
6-Day Financial Close Reduction
Achieved a 6-Day reduction in the financial close and reporting cycle by simplifying, consolidating and optimizing supply chain finance processes.
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![TORO CFO - Case Result - 300% Cost Improvement]()
300% Cost Improvement
Delivered a 300% improvement in cost alignment to NA manufacturing via an activity-based pricing model that generated $15M+ in annual manufacturing savings.
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![TORO CFO - Case Result - $30M+ Manufacturing Savings]()
$30M+ Manufacturing Savings
Delivered $30M+ in NA manufacturing savings by developing a product siting strategy that optimized production efficiency and minimized tax exposure.
Who We Serve
Toro CFO partners with ambitious, growth-focused companies that are ready to elevate their financial strategy. Our model is designed for organizations that need more than bookkeeping or tax work — they need a strategic CFO partner who can unlock clarity, growth, and value creation.
Ideal Clients Include:
Companies with ~$3M+ annual revenue and a clear path to scale
Founder-led or CEO-driven businesses seeking to delegate financial leadership
Organizations preparing for fundraising, acquisitions, or exits
Businesses experiencing margin pressure, cash flow complexity, or rapid growth
Teams that value data-driven insights and proactive financial guidance
Not Ideal For:
Pre-revenue startups still testing product-market fit
Solopreneurs or lifestyle businesses with minimal financial complexity
Businesses seeking only bookkeeping, payroll, or tax compliance services
If you see yourself in our ideal profile, we invite you to take the next step.
Contact TORO CFO
Ready to gain clarity and unlock profit? Book a discovery call—no obligation, high value.
This complimentary 30-minute consultation is designed to uncover your top financial priorities and determine whether Toro CFO is the right partner for your growth.
Limited availability each week ensures every conversation is focused and tailored.
Completion of the intake questionnaire is required before your session is confirmed.
We’ll review your intake responses in advance so our discussion is targeted to your business needs. If we believe Toro CFO is not the right fit, we’ll provide you with honest feedback and may recommend trusted alternatives.
FAQ
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A Fractional CFO is an experienced financial executive who provides strategic leadership on a part-time or contract basis. At Toro CFO, we deliver enterprise-level financial insight, cash flow clarity, and growth strategy without the full-time CFO cost.
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An accountant focuses on recording transactions, preparing financial statements, and ensuring compliance with tax and reporting requirements. A Fractional CFO goes beyond accounting by delivering strategic financial leadership—including forecasting, cash flow management, growth planning, and investor readiness.
At Toro CFO, we don’t just report the numbers — we interpret them, provide actionable insights, and partner with leadership teams to drive profitability and long-term business growth.
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Companies typically engage a fractional CFO when they’ve outgrown basic bookkeeping or CPA services and need strategic guidance for scaling, profitability, or investor readiness. Toro CFO is ideal for businesses between $3M–$20M in revenue preparing for growth, funding, or operational transformation.
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Full-time CFOs often cost $250K+ per year, plus bonus, stock options and benefits. Toro CFO’s fractional model provides the same executive-level expertise through tiered services starting at $5K/month ($60K/year), delivering customized financial insight at a fraction of the cost.
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We integrate directly with your leadership team as a trusted financial partner. This ensures high-touch strategic guidance combined with efficient execution tailored to your industry and your specific business goals.
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Toro CFO’s model is low-volume, high-value, meaning we serve a select number of clients with personalized, bespoke financial strategies. Backed by an MBA from Cornell University and 21+ years at HP, plus experience in biotech, entrepreneurship, and small business, Toro CFO delivers unique insights that drive growth and profitability.
Insights & Strategy
