Why Your Business Is Losing Money & How a Fractional CFO Can Fix It | Robert Sepulveda

Are you a business owner, entrepreneur, or non-profit leader who feels like you’re doing everything right—but the money’s still just slipping away? It might be time to hire a fractional CFO!

In this episode of Cut to the Chase: Podcast, Gregg is joined by Robert Sepulveda—Founder of XPLR Financial Services—a South Florida-based firm offering part-time CFO services designed to streamline your financial operations, providing peace of mind and strategic insights for entrepreneurs. Robert has a unique integrated approach—combining financial expertise with coaching that tackles the human (and sometimes messy) reality behind the numbers.

Tune in to learn how personal habits and beliefs can silently sabotage (or supercharge) your business’s finances, the top places small businesses lose money, and how a fractional CFO’s outside expertise makes all the operational difference. Whether you're an entrepreneur, non-profit leader, or aspiring CFO, you’ll walk away with top-notch strategies for greater clarity and scaling success.

What you’ll learn in this episode:

• Why even successful businesses and entrepreneurs lose track of cash flow

• The new wave of fractional CFOs: What they do, how they help, and who benefits most

• How personal patterns and unresolved issues impact business performance and client service

• The difference between coaching that works for law firms vs. standard business advice

• Men’s and mastermind groups as a unique model for developing legal leaders

• Biggest financial leaks for small businesses, from marketing overflow to poor client selection

• AI, privacy, and evolving legal operations: How forward-thinking firms can scale mindfully

• Financial lessons entrepreneurs can learn from nonprofits

• When and how startups and new founders should engage with fractional finance and coaching support

Key Takeaways:

• Clarity is Everything: Regular, organized financial reporting and analysis helps businesses identify where money is made—and lost—before annual reviews or tax season.

• Know Your Client Numbers: Get clear on client acquisition costs and lifetime value, and evaluate which cases or clients are truly your most profitable—don’t fall into the “busy but broke” trap.

• Personal Habits = Business Impact: Unexamined personal or team behaviors often echo into firm operations and culture; addressing these can unlock greater productivity and profit.

• Embrace Outside Expertise: A fractional CFO brings specialized knowledge without the overhead of a full-time hire—valuable for growing and medium-sized businesses needing next-level financial insight.

• Take Inspiration From Non-Profits: Even if you’re a for-profit business, operating with nonprofit-like transparency and sustainability can help weather industry changes and funding shifts.

 

Stay tuned for more updates, and don't miss our next deep dive on Cut to The Chase: Podcast with Gregg Goldfarb!

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Resources:

• Connect with Robert Sepulveda on LinkedIn: https://www.linkedin.com/in/robertsepulveda

• Learn more about EXPLR Financial Services: https://www.explr.co

• Join the Weekly Men’s Circle: https://weeklymenscircle.com

This episode was produced and brought to you by Reignite Media.