Fractional CFO — Construction & Development

Know Where Your
Profit Is Going

Most construction businesses have a bookkeeper and a CPA. Nobody's watching where profit leaks across projects — or flagging cash flow problems months before they hit. That's the gap we fill.

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$1M–$30M
Revenue Range We Serve
Owner-led construction and development businesses ready to make smarter decisions.
8+ yrs
Corporate Finance & M&A
CPA with PwC background and active real estate investing experience.
Zero
Full-Time CFO Overhead
Fractional engagement — the insight of a CFO at a fraction of the cost.
Job-Level P&L ◆ Cash Flow Forecasting ◆ WIP Reporting ◆ Project Profitability ◆ 13-Week Cash Flow ◆ Strategic Dashboards ◆ Scenario Modeling ◆ Job-Level P&L ◆ Cash Flow Forecasting ◆ WIP Reporting ◆ Project Profitability ◆ 13-Week Cash Flow ◆ Strategic Dashboards ◆ Scenario Modeling ◆
Common Challenges

Sound Familiar?

Revenue is growing. You have a bookkeeper keeping the books tidy and a CPA handling taxes. But nobody's turning that financial data into decisions.


You don't know which jobs are actually making money, why cash keeps running tight, or how a 3-month project delay ripples through your bank account. That's not a bookkeeping problem — that's a CFO problem.

Tight Cash Flow
Revenue looks solid on paper, but your cash balance tells a different story. You've had profitable jobs that still left you scrambling between projects.
Unclear Profitability
You're not sure which projects or clients actually drive profit — and which are quietly dragging your margins down.
No Scenario Visibility
What happens to cash if a closing slips 3 months? How fast can you reinvest without risking a cash crunch?
Idle Financial Data
Your bookkeeper sends monthly reports. Nobody's turning them into decisions you can actually act on.
What We Do

Where We Focus

01
Revenue & Growth
How Much You Make
Identify which clients and project types drive your strongest returns — so you can grow where it actually matters, not just where it's familiar.
02
Margin & Profitability
How Much You Spend
Find where margin is slipping before it's gone. Catch overruns while there's still time to act — not after the job closes.
03
Cash Flow & Visibility
How Much You Keep
Get clarity and control over cash flow so you're never caught scrambling between projects or making decisions blind.
Our Approach

How We Work

1
Financial Review
We start with a focused diagnostic to surface where money is being lost or left on the table across your projects and operations.
2
Infrastructure Build
Job-level P&L, 13-week cash flow, and reporting dashboards — the financial foundation your business should already have.
3
Ongoing Advisory
Monthly retainer engagement. We turn your data into decisions — helping you grow confidently with a CFO in your corner.
The Firm

Meet Kyle Koziol

Kyle Koziol
Kyle Koziol
Founder & Principal Advisor
CPA — Big 4 (PricewaterhouseCoopers)
8+ Years Corporate Finance & M&A
Active Real Estate Investor

Kyle started his career at PricewaterhouseCoopers as a CPA and has a background in corporate finance and M&A advisory — working inside dozens of businesses with the kind of financial infrastructure most construction companies have never had access to.

"There's a gap between bookkeeping and real financial decision-making. I built KSA to close it for businesses with rapidly changing cash flow needs that can't afford to fly blind."

As an active real estate investor and former advisor to private equity firms, Kyle understands the project risks and cash flow dynamics that define project-based construction and development — not from a textbook, but from hands-on experience himself.

Koziol Strategic Advisors exists to give owner-led businesses the clarity, control, and financial confidence that used to require a full-time CFO. You shouldn't need to be a $50M company to make decisions backed by real numbers.

Free Resource

See What Better Financial Visibility Looks Like

We put together a free example financial review — the same type of analysis we do for clients. Use it to understand what we look for, try parts of it yourself, or simply see what clear financial insight looks like for a construction business.

Download Free Example
Ready to Start?

Better Decisions Start With Better Information

If you're running a construction or development business between $1M–$30M and want to stop guessing where your profit is going — let's talk. No obligation, no pitch. Just a conversation about your numbers.

Free Example First →