In this episode of The Owner Seat, Albert Ramos delivers a solo, operator-grade breakdown of what a real Fractional CFO actually does for fitness, wellness, longevity, and franchise brands — and why most owners don’t need “more revenue,” they need cash clarity and decision-grade numbers.

Albert also explains his mission: he gives 99% of his work away for free through daily educational videos, two podcast episodes per week, a Tuesday newsletter, and the free Stratego CFO Playbook for fitness and wellness owners — because more businesses in this industry need to thrive and survive, not get crushed by cash flow surprises, bad expansion math, or messy reporting.

If you’re a franchisor, franchisee, multi-unit operator, studio owner, or wellness operator and you’ve ever felt like:

1. you’re “profitable” but cash is still tight
2. you can’t trust your numbers
3. you want to expand but don’t know what it does to cash
4. you’re thinking about debt / private equity but you’re not diligence-ready
5. you need a CFO but you’re not hiring a $300K full-time executive

this episode is essential listening.

Because strong businesses don’t run on vibes.

They run on cash visibility, defensible unit economics, and clean decision cadence.

This episode walks through exactly how Albert builds a finance operating system for operators — including 13-week cash forecasting, unit economics, buildout and expansion capital planning, and lender/investor readiness — with anonymized real-world case studies (no company names).

This is not bookkeeping.

This is operator-grade CFO control.

🔍 In this episode, we cover:

1. Why “more revenue” doesn’t fix a cash problem in fitness & wellness
2. How operators get trapped in bank-balance decision making
3. What a real Fractional CFO does (and what they don’t do)
4. The core Stratego deliverables:
5. 13-week cash forecast + cash control
6. close discipline + KPI dashboard
7. unit economics (payroll %, contribution margin, payback)
8. buildout + expansion capital plan
9. debt package + covenant/terms review
10. investor / PE readiness + diligence prep
11. What it feels like to hire an “operator CFO” vs a reporting accountant
12. Six anonymized case studies across:
13. multi-location expansion math
14. pre-open capex + working capital raise structure
15. stalled projects needing capital gap clarity
16. international multi-vertical wellness expansion pacing
17. pay-per-use access platform economics
18. franchise platform infrastructure + capital planning
19. The “before vs after” transformation: from chaos → control
20. Why expansion breaks brands without cash discipline and unit economics
21. How to get the free Stratego CFO Playbook and start building your finance rhythm now

Work with Albert — Fractional CFO for Fitness, Wellness & Franchise Brands

I’m Albert Ramos, Fractional CFO and Founder of Stratego Intel Consulting.

I help fitness, wellness, and franchise brands ($500K–$30M+):

1. Build 13-week cash visibility
2. Clean up multi-location financials
3. Standardize unit-level economics
4. Build defensible pricing + utilization models
5. Prepare for debt, private equity, or strategic exits

🌐 Learn more:

https://www.StrategoIntel.com

👉 DM “CFO” to get my intake checklist + the free CFO Playbook link.

📘 Free Resource — Stratego CFO Playbook (Fitness & Wellness)

Get the frameworks I use with operators:

1. 13-week cash flow structure
2. Location-level unit economics template
3. Core KPI dashboard
4. Weekly “Owner Seat” finance rhythm

🔗 Download here:

https://forms.gle/M9QSgEz9VqiqkHVv6

🎙 More from The Owner Seat

The Owner Seat is where fitness, wellness & HALO owners talk:

cash flow, scaling, franchising, exits, and the messy middle — without fluff.

🗓 New episodes every Monday & Friday at 8:00 AM CST

▶ Subscribe to the channel:

/ @theownerseatpodcast

📧 Tuesday newsletter + daily education: follow Albert on LinkedIn

https://www.linkedin.com/in/albertramosjr/