Fractional CFO for Physicians

From Chaos
to Clarity.

Most physicians spend decades building a great practice. Very few build lasting personal wealth. That gap is not a character flaw — it is a knowledge gap. Stonegate Advisory exists to close it.

Scroll
Modern medical waiting area
Who We Serve
Physicians and dentists
building something lasting.
You have spent 15–25 years building something meaningful. Thousands of patients trust you. Your staff depends on you. The community knows your name. On the outside, you look successful.
On the inside, the picture is less clear. You are wondering what your practice is actually worth. Whether retirement is realistic — or just aspirational. Whether the numbers will ever truly work in your favor. You are not sure who to ask, because most financial professionals do not understand the world you operate in.
Low insurance reimbursements, rising overhead, and billing complexity have left most primary care physicians significantly underserved financially. The systems surrounding you were not built to help you build wealth. They were built to process claims.
We fix that.
The Reality
The financial pressure on physicians is not anecdotal. It is structural.
75%
of physicians worry annually about
financial feasibility
48%
are considering major operational
changes to offset financial burdens
52%
have considered leaving
medicine entirely
88%
of small practices worry about
staying independent
Source: athenahealth 2026 Physician Sentiment Survey (n=1,045)
Our Edge
We speak your language.
Most financial professionals look at your revenue line and say “billing seems low.” That observation is not wrong — but it is useless. It tells you nothing about where the money went, why it left, or how to get it back.
We are different because we have operated on both sides of the table. We bring the clinical fluency of someone who has lived inside medicine — who understands the difference between a 99213 and a 99214, who knows what it means when your payer mix shifts toward Medicaid, who can read a superbill and spot the gap in thirty seconds — combined with the financial rigor of nearly a decade in financial planning.
That combination is rare. For most physicians, it has simply never been available.
What Others See vs. What We See
“You are consistently undercoding your level 4 office visits across 800 patient encounters. That is revenue you have already earned and never collected.”
$144,000
Recovered in a single billing correction
When we open your books, we do not hand you a generic report with bullet points and boilerplate recommendations. We identify the exact procedures being undercoded, the specific insurance relationships costing you reimbursement, and the staffing patterns bleeding your margins. Then we build the systems to fix them — permanently.
Physicians carry some of the highest rates of financial stress of any profession — in part because the systems surrounding them are opaque, and the expertise to navigate them is rarely available in a form they can trust. We are that resource.
The Outcome
Before and after.
This is not incremental improvement. For most clients, working with Stonegate represents the first time anyone has looked at their practice through a financial lens with clinical understanding.

Before

Uncertain what your practice is worth
Billing revenue slipping away unnoticed
No clear retirement plan or exit strategy
Financial stress affecting patient care
Overstaffed in the wrong areas

After

Clear valuation and exit roadmap
Revenue leakage identified and recovered
Defined retirement timeline
Financial clarity — back to focusing on patients
Leaner, more efficient operations
How It Works
Three phases.
We do not offer one-size-fits-all advice. Every engagement follows a structured, phased approach designed to create results quickly — and build systems that last long after we step back.
Phase 1
Weeks 1–2

Diagnosis

A full audit of your practice’s financial health — P&L, cash flow, billing patterns, payer mix, staffing ratios, and overhead structure. We do the heavy lifting. You keep seeing patients.

Phase 2
Weeks 3–8

Quick Wins

We close billing gaps, optimize scheduling, and address staffing inefficiencies. These are the changes that show up in your next deposit. You start to breathe again.

Phase 3
Months 3–6

Stabilize & Grow

Monthly strategy sessions, cash reserve planning, retirement roadmapping, and exit strategy groundwork. This is where short-term fixes become long-term financial infrastructure.

What You Receive
Tangible deliverables,
not just advice.
Every engagement produces tools and systems that belong to you. They run without us. They compound in value long after the engagement ends. This is not a consulting relationship where knowledge walks out the door — it is infrastructure.
◆

Financial Diagnostic Report

A written analysis of your practice’s complete financial picture — where you stand today, what is broken, what is recoverable, and the specific steps to close each gap.

■

Custom KPI Dashboard

Built for your practice, not a template. Track the metrics that actually drive physician profitability — collections rate, cost per visit, overhead ratio, revenue per provider — updated in real time.

▶

AI Scheduling Integration

Intelligent scheduling designed to maximize appointment utilization and reduce no-shows. Every empty slot is lost revenue — this system fills them systematically.

★

Revenue Diversification Roadmap

A strategic plan identifying cash-pay service opportunities — wellness programs, aesthetic offerings, concierge models — to reduce your dependence on insurance reimbursement.

The Stonegate Difference
A financial partner who understands
both sides of the table.
You did not go to medical school to manage a balance sheet. But the financial health of your practice determines everything — your income, your retirement, your ability to invest in staff and equipment, and ultimately the quality of care you can deliver.
Stonegate Advisory exists to carry that weight for you. We are not accountants. We are not bookkeepers. We are strategic financial partners who operate at the intersection of clinical operations and financial performance — the only place where real, sustainable improvement happens.
We become the financial partner your practice has never had.
Financial strategy session
Investment
Three ways to engage.
Every engagement begins with The Diagnostic. It is the foundation — for us and for you.
Tier I
The Diagnostic
$1,500
where we begin
  • Full P&L and cash flow analysis
  • Billing efficiency audit
  • Custom KPI dashboard
  • Written findings report
  • Strategy debrief call
Start Here
Tier II
From Chaos to Clarity
$2,500 / mo
6-month engagement
  • Everything in Tier I
  • Revenue leakage recovery
  • Staffing efficiency review
  • AI scheduling integration
  • Bi-monthly strategy calls
  • 6-month progress audit
Learn More
Tier III
Clinic Accelerator
$4,500 / mo
ongoing retainer
  • Everything in Tier II
  • Exit planning and valuation
  • Revenue diversification
  • Cash-pay service buildout
  • Weekly availability
  • Acquisition prep support
Let’s Talk
A Note on How We Work
Every engagement begins
with The Diagnostic.
It is how we learn your practice, establish trust, and identify exactly where the financial gaps are. For most clients, it is also where they realize how much is recoverable — and why they want us in the room on an ongoing basis.
Our goal is not to hand you a report and walk away. It is to become the financial partner your practice has never had — someone who understands both the clinical world you operate in and the financial systems that should be working in your favor. That relationship is what Tier II and Tier III are built for.
Most clients who start with The Diagnostic continue into a long-term engagement. We think you will too.
Get in Touch
Let’s find out what your
practice is leaving on the table.
Whether you are exploring the idea of a fractional CFO for the first time or you already know what needs to change, we would welcome the conversation. No pitch. No pressure. Just a clear-eyed look at where you stand and what is possible.
brandon@stonegateadvisory.co stonegateadvisory.co