Nick Kral, Fractional CFO
San Diego Fractional CFO & Accounting
Senior financial leadership, clean books, and proactive tax strategy for small businesses, without the cost of a full-time finance team.
18+ years in finance and accounting · $60M+ in client tax savings
18+
Years in finance
Experience across private equity, real estate and small business finance.
$60M+
Client tax savings
Saved for clients through proactive, year-round tax strategy.
100%
Client satisfaction
Reported by the business owners Nick works with.
11
Cities served
From Oceanside to Chula Vista, across San Diego County.
Get Back to Your Business While Nick Handles Your Finances
Most owners reach out when the back office starts costing them time, money, or sleep. These are the problems Nick hears about most from San Diego business owners.
Which of these sounds familiar?
Books months behind
Surprise tax bills
Cash flow guesswork
No monthly reports
Missed deductions
Personal and business mixed
Growing without a plan
No CFO to call
Month-end takes weeks
Services We Offer
Fractional CFO
Senior financial leadership for a fraction of a full-time salary. Nick builds the forecasts, KPIs, and cash plans that let you make decisions confidently.
- Cash flow forecasting and budgeting
- KPI tracking and monthly financial reviews
- Pricing, margin and growth planning
- Support with lenders, banks and investors
Accounting
Accurate financial statements and a dependable month-end close, so you always know where the business stands.
- Monthly close and account reconciliations
- Profit and loss, balance sheet and cash flow statements
- Accounting cleanup and catch-up work
- Year-end records ready for tax time
Bookkeeping
Day-to-day books handled for you, categorized correctly and reconciled every month, with reports you can actually read.
- Transaction categorization
- Bank and credit card reconciliation
- Accounts payable and receivable tracking
- Monthly reports in plain language
Tax Strategy
Year-round tax planning that looks ahead, not just back, so you keep more of what the business earns.
- Entity structure and owner pay review
- Quarterly estimated tax planning
- Deduction and credit review
- Clean records ready for filing season
Nick Kral
18 Years in Private Equity and Real Estate, Now Managing Finances for San Diego Businesses
More About NickNick grew up in small-town Iowa, where his father ran a small business. He saw early how much of an owner’s week disappears into books, payroll and paperwork.
Over more than 18 years in private equity, real estate brokerage and land development, plus a decade advising small businesses, he learned what a well-run back office makes possible. He started Your Personal Back Office to give San Diego owners that expertise at a price that makes sense.
BS, Accounting
Iowa State University
MBA, Entrepreneurship & Finance
UNLV Lee Business School
18+ years in finance
Private equity, real estate and land development
10+ years advising owners
Hands-on work with small businesses
Our Process
A simple, four-step process built around your business, whether you need a cleanup, monthly books or CFO-level planning.
1. Free financial review
A no-cost look at your books, cash flow and tax position, with honest next steps.
2. Custom plan
A clear scope and proposal built around what your business actually needs.
3. Cleanup and setup
Nick brings your books current and sets up the reporting to keep them that way.
4. Ongoing support
Monthly books, reports and CFO-level guidance, with a direct line to Nick.
Who We Work With
Nick works with small and growing companies across San Diego County that have outgrown doing the books themselves.
Small business owners
Who want clean books and a clear monthly picture.
Service-based businesses
Agencies, trades, consultants and professional practices.
Real estate businesses
Investors, brokerages and property managers.
Multi-location operators
Owners who need consistent numbers across every location.
What clients say about working with Nick
100% client satisfaction from the business owners Nick works with.
“Nick handles everything to keep my business on track. He is my bookkeeper, payroll manager, CFO, HR manager, and IT consultant.”
Steph
San Diego, CA
“Simply put, Nick has simplified my life. He runs payroll, keeps our monthly books, helps with tax strategies and filings, and basically does everything behind the scenes.”
Ann
Houston, TX
Ready for books you can trust?
Start with a free review of where your finances stand today.
Frequently asked questions
Straight answers about how Nick works and what to expect.
What is a fractional CFO?
A fractional CFO is an experienced finance executive who works with your business part time. You get forecasting, KPI tracking, cash flow planning and strategic advice without paying for a full-time CFO.
How is a fractional CFO different from a bookkeeper?
A bookkeeper records and reconciles transactions. A fractional CFO uses those numbers to plan cash, set targets, price services and guide growth decisions. Nick offers both, so your books and your strategy stay connected.
What happens during the free financial review?
Nick looks at your current bookkeeping, cash flow and tax situation, asks about your goals and gives you clear next steps. There is no cost and no obligation.
Can you catch up books that are months behind?
Yes. Cleanup and catch-up work is a common starting point. Nick reconciles past months, corrects categorization and gets your books current before moving to monthly support.
Which areas do you serve?
Nick works with businesses across San Diego County, including San Diego, Carlsbad, Chula Vista, Del Mar, El Cajon, La Mesa, Escondido, Oceanside, Poway, Santee and Solana Beach. Meetings happen by video or phone, so you do not need to travel.
How much do your services cost?
Pricing depends on the size of your business and the services you need. After the free review, you receive a clear proposal before any work begins.
Hi, I’m Nick.
Have a question that is not answered here? Reach out any time.
Get in touch
Questions about fractional CFO, accounting, bookkeeping or tax strategy services? Call, email or book a free financial review.
Areas served
San Diego, Carlsbad, Chula Vista, Del Mar, El Cajon, La Mesa, Escondido, Oceanside, Poway, Santee and Solana Beach
Phone
Office hours
Monday to Friday, 9am to 5pm Pacific Time (California)