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

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 4

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 5

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 6

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 7

How does payment work for paid consultations?

Accepted Answer

Paid consultations require payment before the appointment is finally confirmed. Complimentary consultations never request payment.

Question 8

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.

Question 9

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 10

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 11

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 12

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 13

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 14

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 15

Do you provide investment advice?

Accepted Answer

No. We provide financial consulting and financial coaching. We do not provide individualized investment or securities advice.

Question 16

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 17

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 18

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 19

Which consultations are free?

Accepted Answer

The Discovery Call (15–20 minutes) and the initial Tax Preparation Consultation (15 minutes) are complimentary. The Monthly Financial Consultation is included for active Fractional CFO Program clients.

Question 20

When is payment required?

Accepted Answer

Paid consultations — the 30-minute ($50) and 60-minute ($75) business, personal and tax follow-up sessions — require payment before the appointment is finally confirmed. Complimentary consultations never request payment.

Question 21

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 22

What are your office hours?

Accepted Answer

Sunday: Closed. Monday through Friday: 6:00 PM – 9:00 PM. Saturday: 2:00 PM – 5:00 PM. All times are Central.

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