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Episodes
David Richter talks with CFO Christina Gutierrez
How to Stop Feeling Broke Even When Revenue Looks Good
June 3, 2026
Christina Gutierrez is a co-owner and fractional CFO at Simple CFO, a firm she helped build over nearly seven years alongside founder David Richter. Her background spans temp agency work across multiple industries, commercial real estate operations, a master's degree, and hands-on experience managing entire portfolios before she ever set foot in a CFO role. In this episode, David flips the script and interviews Christina directly — covering her path into fractional CFO work, the client relationships she's built, and the business partnership she and David formalized roughly 18 months ago.
If you've ever wondered what a real CFO does beyond the numbers, or if you're a business owner stuck in the cycle of doing more deals but feeling broker, this conversation is for you.
Christina Gutierrez talks with Stacey Iddings
The 30-Day Check-In That Tells You Whether You Built the Right Partnership
May 27, 2026
Stacey Iddings is the Client Advocate at Simple CFO Solutions, serving as the first voice new clients hear after signing and the ongoing support presence throughout every stage of their engagement. Over two years in the role, she has onboarded hundreds of clients, conducting discovery call reviews before every onboarding call, running 30-day check-ins, quarterly touchpoints, and even post-cancellation conversations to ensure no client ever feels like they're navigating their business alone.
This episode breaks down what a true client advocacy role looks like inside a financial services firm, from the exact language used to move clients from apprehension to relief on day one, to how Simple CFO continues showing up for clients who have paused, cancelled, or are still working toward re-engagement. If you've ever wondered what separates a service firm that genuinely cares from one that just processes clients, this episode shows you exactly what that difference looks like in practice.
Featured Posts
Stop Living Deal to Deal
Many real estate investors live deal to deal without realizing it. They generate plenty of revenue, but never build lasting financial security.That is not financial freedom. It is a stressful cycle th... ...more
Cash Flow ,Profit
September 03, 2026•7 min read
How to Build a CFO Relationship That Actually Improves Your Business
You can hire the smartest financial expert in the world. You can give them access to every report you have. But if you hide your concerns, skip meetings, or leave key decision-makers out of the conver... ...more
cfo
August 26, 2026•7 min read
If You Don’t Have a Reserve Strategy, You Don’t Have a Stable Real Estate Business
Money hit the bank account. Bills got paid. You funded the next property, covered payroll, and handled a few expenses that had been waiting. Then you looked at the account... And most of the money was... ...more
Cash Flow ,Profit First Budgeting &Profit
August 19, 2026•7 min read
If Your Financial Reports Are 30 Days Behind, Your Decisions Are 30 Days Wrong
Many real estate investors are making major decisions with old, inaccurate, or incomplete financial reports. Some do not receive their reports until 30 or 60 days after the month ends. Others have rep... ...more
Cash Flow ,Budgeting Profit &Bookkeeping
August 12, 2026•7 min read
Stop Building Everyone Else's Wealth First
You closed another deal. The rent checks came in. The rehab sold. The wholesale assignment funded. So where did all the money go? If you're like most real estate investors, you already know the answer... ...more
Cash Flow ,Budgeting Profit &Owner Pay
August 05, 2026•7 min read
Profit Isn't an Accident
No matter how good you are, you can't see through walls. The investors who thrive aren't the ones who avoid surprises. They planned for them before they ever made an offer. That's why building enough ... ...more
cfo ,Cash Flow Budgeting &Profit
July 29, 2026•7 min read
Christina Gutierrez talks with CFO Michael Glaspie
Bad Bookkeeping Is Quietly Destroying Your Real Estate Business
May 20, 2026
"Busy but broke" — it's the phrase Christina hears more than any other from real estate investors who come to Simple CFO. In this episode of the Simple CFO Case Files, she sits down with senior CFO Michael Glaspie, one of the longest-tenured members of the Simple CFO team, to break down exactly why that happens and how a real financial system fixes it.
Michael walks through what separates a CFO from a bookkeeper or CPA, how the first 60 days of a client engagement actually work, why education without application is just entertainment, and two client stories that show what it looks like when Profit First finally clicks — including a couple doing 50–60 flips a year who discovered they were actually losing money.
Christina Gutierrez talks with CFO Tommy Robinson
Turn Financial Data Into Strategic Decisions
May 13, 2026
Most real estate investors have built a successful business — they just haven't built a financial system to match it. In this episode of the Simple CFO Case Files, Christina Gutierrez sits down with CFO Tommy Robinson to break down exactly how Simple CFO transforms chaotic finances into clear, reliable systems that give business owners real control.
Tommy walks through what the first 60 days actually look like inside a client engagement, why DIY Profit First almost always falls short without a custom implementation, how the Simple CFO dashboard turns raw financial data into strategic decisions, and three real client stories that show what transformation looks like at different stages of business.
Christina Gutierrez talks with CFO Michael Hansen
From Broke to $400K in Reserves (How This Real Estate Investor Did It)
May 6, 2026
What does it actually look like when a CFO gets inside a real estate investor's business and starts fixing it? In this episode of the Simple CFO Case Files, Cristina Gutierrez sits down with Simple CFO's longest-tenured CFO, Michael Hansen, to pull back the curtain on exactly how the process works — from the first 60 days to a full business transformation.
Michael breaks down the most common financial pain point he sees across every client at every revenue level, why DIY Profit First almost always fails, and how a cash-first approach helped one investor go from running on $0–$10,000 in his bank account to ending every year with $200,000–$400,000 in cash reserves — with full freedom to choose his next move.
Christina Gutierrez talks with CFO Lee Vlcek
The Difference Between a Bookkeeper and a CFO and Why It Matters for Your Real Estate Business
April 29, 2026
In this episode of the Profit First for Real Estate Investors podcast, host Kristina sits down with Simple CFO's Lee Vlcek to pull back the curtain on exactly how their CFO process works with real estate investors.
Lee shares how he helps flippers, wholesalers, and growing business owners transform financial chaos into clarity — not just with better bookkeeping, but with forward-looking systems that help them make smarter decisions. From the very first onboarding call to implementing Profit First and building out dashboards that operators can actually understand, Lee walks through what the Simple CFO process looks like from the inside.
If you're an operator who's great at finding deals but struggling to understand where your money is going, this episode shows exactly how the right financial systems can change everything.
Christina Gutierrez talks with CFO Aaron Jurski
The Financial Blind Spots Costing Business Owners More Than They Know
April 22, 2026
When clients come to Simple CFO, they almost always arrive with one version of their story — and leave the first 60 days with a completely different plan. In this episode, Cristina Gutierrez sits down with CFO Aaron Jurski to pull back the curtain on how he meets clients exactly where they are and transforms their financial clarity from the ground up.
Aaron walks through real client case files — from a high-cash-flow commercial real estate investor drowning in unchecked subscriptions, to a Utah contractor who'd never built a budget, to a North Carolina investor sitting on $18M in assets but paying an unnecessary 18-20% on his debt. Each story reveals what it actually looks like when a fractional CFO steps in, asks the right questions, and builds a plan that matches the real business — not the one described in the sales call.
Christina Gutierrez talks with Tony Castronovo
Why More Deals Don’t Mean More Profit
April 15, 2026
Welcome back to another Simple CFO Case Files episode, where we go behind the scenes with the CFOs actually doing the work. In this episode, I sit down with Tony Castronovo to break down how financial clarity, coaching, and real partnership transform real estate businesses at every level.
We talk about what really happens when business owners focus only on deals without understanding profitability, why so many investors feel like they’re making money but still feel broke, and how having a CFO changes the way decisions get made. Tony shares real examples—from fixing payroll and tax structures to helping clients evaluate deals and even restructure partnerships—all while building a business that actually works for the owner.
Christina Gutierrez talks with CFO Chris Savor
Why Most Real Estate Investors Feel Broke & How to Fix it in 60 Days
April 8, 2026
Welcome back to another episode of our Simple CFO Case Files, where we pull back the curtain on what actually happens inside real businesses—and the transformations that come from getting your numbers right. In this episode, I sit down with Chris Savor, one of our incredible CFOs, to walk through real client scenarios and what it really takes to go from confusion to clarity.
We talk about what most business owners experience when they come to us—feeling overwhelmed, unsure if they’re even making money, and stuck in the cycle of working harder without results. Chris shares how we approach the first 30–60 days, what makes our process different, and a powerful real-life example of a client who went from doing 20 deals with no profit to 200 deals with real income, reserves, and financial confidence.
Christina Gutierrez talks with David Richter
What Actually Creates Financial Freedom in Business
April 1, 2026
Welcome to the very first episode of our Simple CFO Case Files series. I’m excited to kick this off by sitting down with David Richter to pull back the curtain on how Simple CFO was actually built, why this work matters so much, and how our approach to financial leadership came to life.
In this conversation, we talk about David’s background in real estate, the hard lessons learned from scaling without profit, and why so many business owners make good money yet still feel broke. We also dive into why Profit First became the foundation of our process and how financial clarity, systems, and accountability are what truly lead to financial freedom—not just doing more deals.
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