Hey friend,
Let me ask you something: If you could earn $240,000 to $480,000 a year working 15-20 hours per week, set your own schedule, and choose only the clients you actually want to work with—would you take it?
If you're a finance professional who just got that dreaded calendar invite to "discuss your role," you might think those numbers are a fantasy. But here's the truth: laid-off CFOs, controllers, and finance directors are increasingly discovering that losing their corporate job was the best thing that ever happened to their careers.
I know that sounds counterintuitive when you're staring at a severance package and wondering how you'll explain the gap on your resume. But stick with me—because this might completely change how you think about your next move.
💔 Real Talk
Aloke Ghosh had spent 25+ years climbing the corporate finance ladder. He'd been CFO of Mahindra Holidays & Resorts, Controller at Apple, and held senior positions at Tech Mahindra and Reliance Communications. On paper, he had everything. In reality? He was ready for something different (The Finance Story, August 2025).
Francis Vidhayathil faced similar crossroads. As CFO of Drums Foods (the company behind Epigamia yogurt), he'd achieved every goal he'd set—but one ambition kept calling him: leaving corporate life by age 45.
✔️ They'd both reached the C-suite
✔️ They'd proven themselves at major organizations
✔️ They had the credentials everyone says you need
✔️ They still wanted more—more control, more impact, more life
So they did something that terrified everyone around them: they walked away from the corporate ladder and launched FinAdvisors, a boutique fractional CFO firm.
Francis's verdict after making the leap? "It is very much worth it. I would say that it's much better than what I used to earn in my corporate life."
What Will Your Retirement Look Like?
Planning for retirement raises many questions. Have you considered how much it will cost, and how you’ll generate the income you’ll need to pay for it? For many, these questions can feel overwhelming, but answering them is a crucial step forward for a comfortable future.
Start by understanding your goals, estimating your expenses and identifying potential income streams. The Definitive Guide to Retirement Income can help you navigate these essential questions. If you have $1,000,000 or more saved for retirement, download your free guide today to learn how to build a clear and effective retirement income plan. Discover ways to align your portfolio with your long-term goals, so you can reach the future you deserve.
🧠 Data-Driven Reality
The fractional CFO trend isn't a side hustle—it's a fundamental shift in how businesses operate and how finance professionals build careers. Here's what the numbers show:
The market is exploding:
Requests for fractional CFOs jumped 310% between 2020 and 2025 (The Expert CFO, September 2025)
Startups now engage an average of 4.4 fractional professionals per year, up from just 1.7 in 2022 (Crunchbase News, March 2025)
Demand for fractional CFO services is growing 25% year over year (Shiny, May 2025)
The earnings are substantial:
Fractional CFOs typically earn $1,500-$3,000+ per day (Shiny, May 2025)
Annual earnings range from $240,000 to $480,000 managing just 4-8 clients (Finance Alliance, October 2025)
Compare that to a full-time CFO salary of $250,000-$450,000 plus the 80-hour weeks and corporate politics
The brutal truth: While nearly 300,000 tech workers have been laid off since 2023 and 45% of companies anticipate layoffs in 2025, the same companies that are cutting full-time positions are desperately seeking fractional expertise. Your layoff might just be the market telling you your skills are worth more than one company can afford.
📋 Practical Strategy
Ready to explore the fractional path? Here's how laid-off finance professionals are making this transition:
1. Assess Your Sweet Spot
The ideal fractional CFO client is a company at the $2-3 million revenue mark—big enough to need strategic financial guidance, but not ready to spend $250,000+ on a full-time CFO. Know your target market before you start reaching out.
2. Package Your Experience Strategically
According to Roei Samuel of Connectd, the fractional model works because "startups often need experts at critical moments, but they don't always need them full time" (Crunchbase News, March 2025). Focus on the high-impact moments you can solve: fundraising preparation, cash flow crises, system implementations, board presentations.
3. Build Your Initial Pipeline Through Relationships
Aloke and Francis from FinAdvisors found that "thanks to our experience, we had acquaintances or got access to some promoters who themselves called us." Your network from your corporate career is your biggest asset. Start there.
4. Consider Multiple Pricing Models
Successful fractional CFOs use:
Retainer model: Monthly fee for ongoing support ($5,000-$15,000/month)
Project-based: Flat fee or percentage for specific deliverables
Fee + equity: Especially attractive for startups where you believe in the mission
5. Prepare for the Mental Shift
Francis puts it bluntly: "A salaried employee runs on that 1st of the month paycheck. Whereas, in the entrepreneurial journey, you may need to wait 6 months to 1 year for your first paycheck." Are you wired for that uncertainty? If yes, the rewards can be extraordinary.
🎯 Weekly Challenge: 30-Minute Fractional Feasibility Assessment
Set a timer for 30 minutes and answer these questions honestly:
List 3 specific financial challenges you've solved that saved or generated significant money for past employers. These become your service offerings.
Name 10 people in your network who either run small businesses, work at startups, or know people who do. These are your first outreach targets.
Calculate your "freedom number": What monthly income do you need to cover essentials while building a fractional practice? How many months of severance or savings do you have as runway?
Identify one industry where your experience gives you a genuine edge. Specialization accelerates trust.
Research one fractional CFO firm (like FocusCFO, Shiny, or similar) to understand how established players structure their services.
Save your answers. If you have solid responses to all five, you've got the foundation to explore this path seriously.
🧰 Resources
USAGov Unemployment Benefits Guide — Essential starting point for understanding your state benefits while transitioning
FocusCFO Fractional CFO Services — One of the largest fractional CFO networks; useful for understanding the model or exploring joining their team
Shiny Fractional Executive Platform — Connects fractional CFOs with companies; includes resources for getting started
Finance Alliance Career Resources — Comprehensive guide to becoming a fractional CFO with salary benchmarks
NerdWallet Fractional CFO Guide — Business perspective on hiring fractional CFOs; helpful for understanding what clients want
🔥 Fuel for the Week
"My trip from corporate finance executive to fractional CFO has shown me how this career path provides exceptional flexibility and the potential to make real change."
🌟 You Already Have What They Need
Here's what I want you to remember this week:
That severance package in front of you? It's not an ending. It's seed money for a different kind of career—one where you decide which problems are worth solving, which companies deserve your expertise, and how many hours constitute a "full" workday.
The corporate world spent years training you, challenging you, and building your skills. Now there are thousands of companies who need exactly what you know—but can't afford you full-time. That's not a limitation. That's your opportunity.
Eighty percent of CFOs feel "stuck in the grind." You just got unstuck. What you do next is up to you.
Rooting for you always,
Win
- Fellow layoff survivor, creator of Let Go Weekly
Was this forwarded to you? Subscribe here so you never miss an issue.
Have a topic you want covered? Reply directly. I read every email.


