Question 1

Are you a CPA firm?

Accepted Answer

No. Caballero's Consulting is a financial consulting firm. We provide bookkeeping, financial reporting, financial analysis, financial consulting, Fractional CFO services, financial coaching, and tax preparation. We do not perform audits or attestation work, and we do not hold ourselves out as a CPA firm.

Question 2

Do you work with clients outside San Antonio?

Accepted Answer

Yes. Manny is based in San Antonio, Texas, and consultations are held virtually, so we work with clients wherever they are.

Question 3

Can Manny help Spanish speakers?

Accepted Answer

Manny is bilingual and has the capability to provide all services in both English and Spanish.

Question 4

Who do you work best with?

Accepted Answer

We define who we serve by mindset, not by industry or revenue. Our best relationships are with clients who value proactive guidance, transparent communication, and long-term partnership.

Question 5

Will I work directly with Manny?

Accepted Answer

Yes. Direct access to your advisor is the point. You won't be routed through layers of staff to get an answer.

Question 6

What's the difference between a consultation and a program?

Accepted Answer

A consultation is a single appointment focused on a specific question. A program — the Fractional CFO Program or Personal Finance Coaching — is an ongoing relationship with recurring work and recurring conversations.

Question 7

Which consultation should I book?

Accepted Answer

If you're not sure, book the complimentary Discovery Call. If you already know what you want to work through, choose the business, personal, or tax consultation that matches, and pick the 30- or 60-minute length.

Question 8

How does payment work for paid consultations?

Accepted Answer

Paid consultations are booked through Calendly, and payment is securely processed by Stripe during booking. Your appointment is confirmed after payment is successfully completed. Complimentary consultations do not require payment.

Question 9

Is online payment secure?

Accepted Answer

Yes. Payments for paid consultations booked through Calendly are securely processed by Stripe. Caballero’s Consulting and this website do not receive or store your full card details. Stripe uses industry-standard security measures and maintains PCI DSS compliance.

Question 10

Can I cancel or reschedule?

Accepted Answer

Contact us as soon as possible if you need to cancel or reschedule. Any cancellation and refund terms presented when you booked through Calendly will apply to your appointment.

Question 11

Are consultation fees refundable?

Accepted Answer

Refund eligibility is governed by the cancellation and refund terms presented during Calendly booking. Please review those terms before completing payment, or contact us if you need assistance with an existing appointment.

Question 12

What documents should I prepare?

Accepted Answer

For an introductory call, bring only a short description of your goals. For later work, we may request financial statements, tax returns, bookkeeping reports, budgets, or other relevant records through an agreed secure method. Do not email sensitive documents unless instructed.

Question 13

How do virtual meetings and time zones work?

Accepted Answer

Meetings are virtual and office hours are listed in Central Time. We serve clients nationwide and internationally and will confirm the time with its time zone and provide meeting details after availability is verified.

Question 14

Do you offer a monthly consultation to program clients?

Accepted Answer

Yes. A Monthly Financial Consultation of up to 60 minutes is included for active Fractional CFO Program clients, and a monthly financial consultation of up to 45 minutes is included for active Personal Finance Coaching clients.

Question 15

What is a Fractional CFO Program?

Accepted Answer

It is an ongoing monthly partnership that gives your business the financial management and strategic guidance a CFO provides, without hiring one full time. It combines bookkeeping, QuickBooks Online support, financial reporting and analysis, and business financial consulting, with a Monthly Financial Consultation of up to 60 minutes included for active clients.

Question 16

Who is the Fractional CFO Program best for?

Accepted Answer

It is designed for established or growing owner-led businesses that need reliable books, clearer reporting, cash-flow visibility, forecasting, and recurring decision support, but do not need or cannot justify a full-time CFO.

Question 17

Who is Personal Finance Coaching for?

Accepted Answer

Individuals and families who want structure, accountability and a clearer view of their financial position. It is $150 per month with a minimum three-month enrollment, and includes a recurring session of up to 45 minutes plus a personalized budget and financial plan built around your goals, needs, lifestyle and priorities.

Question 18

What is the difference between Personal Finance Coaching and a one-time Personal Financial Consultation?

Accepted Answer

Coaching is an ongoing monthly relationship with recurring sessions, a personalized budget, accountability and progress review. A Personal Financial Consultation is a single paid appointment — 30 minutes for $50 or 60 minutes for $75 — focused on the questions you bring to that session.

Question 19

How is Fractional CFO pricing determined?

Accepted Answer

Customized pricing is discussed and agreed upon during your consultation, because the right scope depends on the size of your business, the condition of your records, and the level of support you want.

Question 20

Why does coaching have a three-month minimum?

Accepted Answer

Habits and measurable progress take time. A three-month minimum gives the coaching process room to establish both rather than ending before it works.

Question 21

Can you clean up books that are behind?

Accepted Answer

Yes. Catch-up work, cleanup, reconciliations and chart-of-accounts organization are part of the Fractional CFO Program.

Question 22

Do you provide investment advice?

Accepted Answer

Caballero’s Consulting provides general investment education and coaching based on Manny’s personal experience, historical investing principles, broad market trends, and general market analysis. We do not provide individualized investment or securities advice, recommend specific securities, or guarantee results. Any information shared is general and educational and should not be treated as a personalized recommendation.

Question 23

Do you prepare both individual and business tax returns?

Accepted Answer

Yes. We offer Individual Tax Preparation for individuals and families, and Business Tax Preparation for small and mid-sized businesses, contractors and solo operators.

Question 24

How is tax preparation pricing determined?

Accepted Answer

Tax preparation fees are not published. The service fee is scoped and agreed upon during the complimentary 15-minute initial Tax Preparation Consultation, once we understand which returns you file and what the work involves.

Question 25

Do you guarantee a refund or a specific tax outcome?

Accepted Answer

No. We do not guarantee refunds, savings, filing positions or any financial, tax, investment or business outcome. We prepare returns carefully and explain what was filed and why.

Question 26

Which consultations are free?

Accepted Answer

The Discovery Call (15–20 minutes) and the initial Tax Preparation Consultation (15 minutes) are complimentary. Monthly Financial Consultations are included for active program clients: up to 60 minutes for Fractional CFO Program clients and up to 45 minutes for Personal Finance Coaching clients.

Question 27

When is payment required?

Accepted Answer

Payment for a paid consultation is required during Calendly booking and is securely processed by Stripe before the appointment is confirmed. Complimentary consultations do not require payment.

Question 28

What services are outside your scope?

Accepted Answer

We do not perform audits or attestation work, provide legal advice, guarantee outcomes, or provide individualized investment or securities advice. A consultation does not create an ongoing engagement unless both parties agree to one.

Question 29

How do virtual meetings work?

Accepted Answer

Consultations are held virtually. Once your appointment is confirmed you receive an email confirmation, a calendar invitation, the virtual meeting link, and reminders before the session.

Question 30

What are your office hours?

Accepted Answer

Sunday: 2:00 PM – 6:00 PM. Monday through Friday: 6:00 PM – 9:00 PM. Saturday: Closed. All times are Central Time (U.S.).

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