# 90-day fractional plan

A 30/60/90 a buyer can defend internally. Example seat: fractional CFO. Swap the artefacts for CMO or COO.

This is a plan, not a contract.

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## Filled example: fractional CFO

**Company:** a founder-led services firm, ~40 people  
**Days:** 4 days per month  
**Problem named by the buyer:** "I cannot tell whether we can hire until the quarter is already spent."

### Days 1-30: See the cash the way you decide

- Rebuild the 13-week cash view from the actual bank and the actual invoices, not the hopeful model.
- Sit in one decision forum and write down how hiring decisions are currently made.
- Deliverable the buyer can forward: a one-page cash picture and the three decisions it changes this month.

### Days 31-60: Install the rhythm

- Weekly cash snapshot, same day each week, same three numbers.
- Hiring rule: what must be true before a role is opened.
- Deliverable: the rule, and one hiring decision run through it.

### Days 61-90: Transfer

- Someone inside can run the snapshot without you in the chair.
- One travelling proof paragraph the founder can send to a peer.
- Decision: continue, reduce days, or end cleanly.

### Out of scope

Year-end accounts. Raising a round. Acting as a statutory finance director unless that is a separate written appointment.

### Maths

4 days × the day rate you already agreed = monthly retainer. Show that arithmetic in the proposal. Do not paste a market band.

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## COO variant (swap these artefacts)

Operating cadence, bottleneck map, exception rule, weekly decision forum.

## CMO variant (swap these artefacts)

Pipeline narrative, one campaign system, weekly growth forum, proof that travels.

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## Blank structure

- Problem they named:
- Days 1-30 artefact:
- Days 31-60 artefact:
- Days 61-90 transfer:
- Out of scope:
- Maths: