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      <image:title>Home - Fractional CFO services for specialty-trade contractors.</image:title>
      <image:caption>Accurate, on-time numbers. Financial trends &amp; insight. Controller mentorship. Systems, strategy &amp; planning. Remote services available to construction contractors nationwide.</image:caption>
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      <image:title>Team</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1614357857974-TX89OX56S1GQP3PWUR2T/Member%2Blogos.jpg</image:loc>
      <image:title>Team</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1612893679079-WKV71PZAP0VVGAFQO0L1/Hallie+website+head+shot.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1612893360178-F0I0AR7HYRWCP8I4FPA2/Simone+head+shot.jpg</image:loc>
      <image:title>Team</image:title>
    </image:image>
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  <url>
    <loc>https://www.davidsterncfo.com/ffcra</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-02-19</lastmod>
  </url>
  <url>
    <loc>https://www.davidsterncfo.com/construction-cfo</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613675642512-H8YBMUUYE3VI2MVEYW4V/target.jpg</image:loc>
      <image:title>Construction CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613678379774-WAKF0A2GYLFQ3K1AP01N/arrow.jpg</image:loc>
      <image:title>Construction CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613675766603-RL64AV1J1N11N6R3DGWM/light+bulb.jpg</image:loc>
      <image:title>Construction CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613678379774-WAKF0A2GYLFQ3K1AP01N/arrow.jpg</image:loc>
      <image:title>Construction CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613675799200-IPT4R9DIJUB3M2BZZU7P/clock.jpg</image:loc>
      <image:title>Construction CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613679042302-ZVR7966P3CR4GJYDNTR6/cash+plan.png</image:loc>
      <image:title>Construction CFO</image:title>
      <image:caption>Rule of Thumb: Have 10% of annual revenue in cash on hand. Your forecasted cash flow should exceed the target amount.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613684121344-WF8ENUXL55NPJJEY14KS/Rubber+stamp.png</image:loc>
      <image:title>Construction CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613684734442-WZVAS0RFEJ1VPTCB1AXQ/David+website+head+shot.jpg</image:loc>
      <image:title>Construction CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613750899232-DWZ3581X4PKQR7MV3KC7/Dispatch+image.jpg</image:loc>
      <image:title>Construction CFO</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.davidsterncfo.com/contractors-cfo</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613675642512-H8YBMUUYE3VI2MVEYW4V/target.jpg</image:loc>
      <image:title>Contractors CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613678379774-WAKF0A2GYLFQ3K1AP01N/arrow.jpg</image:loc>
      <image:title>Contractors CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613675766603-RL64AV1J1N11N6R3DGWM/light+bulb.jpg</image:loc>
      <image:title>Contractors CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613678379774-WAKF0A2GYLFQ3K1AP01N/arrow.jpg</image:loc>
      <image:title>Contractors CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613675799200-IPT4R9DIJUB3M2BZZU7P/clock.jpg</image:loc>
      <image:title>Contractors CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613679042302-ZVR7966P3CR4GJYDNTR6/cash+plan.png</image:loc>
      <image:title>Contractors CFO</image:title>
      <image:caption>Rule of Thumb: Have 10% of annual revenue in cash on hand. Your forecasted cash flow should exceed the target amount.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613684121344-WF8ENUXL55NPJJEY14KS/Rubber+stamp.png</image:loc>
      <image:title>Contractors CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613684734442-WZVAS0RFEJ1VPTCB1AXQ/David+website+head+shot.jpg</image:loc>
      <image:title>Contractors CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613750899232-DWZ3581X4PKQR7MV3KC7/Dispatch+image.jpg</image:loc>
      <image:title>Contractors CFO</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.davidsterncfo.com/fractional-cfo-services</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613746419563-2F5BBWABEJ0FUJ17HT0I/Fractional+CFO_Meet+David+Stern.jpg</image:loc>
      <image:title>Fractional CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613748293034-LS799BSSQQWMNDBOT6L2/Fractional+CFO+image.jpg</image:loc>
      <image:title>Fractional CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613748743989-LHN3RK0HFMH1KS52YEPU/More%2Bprofit%2Bimage_v2.jpg</image:loc>
      <image:title>Fractional CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613748692123-C6XP39OLEN908GEEWRK6/Financial+Tracking.jpg</image:loc>
      <image:title>Fractional CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613749336522-BMULG4Y7KJF0PW0M4Y8H/tag%2Bline.jpg</image:loc>
      <image:title>Fractional CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1614117228870-WWMH7CSQAPJOAH7MJTJO/Edited+Image+2016-02-19+14-39-15.jpg</image:loc>
      <image:title>Fractional CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1615233246204-31IOCPKJ8778SHZHJAO9/Approach+Gallery_Accounting.jpg</image:loc>
      <image:title>Fractional CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1615233246259-XLZ3PRO23GCWJ99CUBCY/Approach+Gallery_Empower.jpg</image:loc>
      <image:title>Fractional CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1615233246789-GVBYVMZKDJ891HYTPZKF/Approach+Gallery_FPA.jpg</image:loc>
      <image:title>Fractional CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1615233246940-H2SOI0NTV0TEZ0H1B0MA/Approach+Gallery_Software.jpg</image:loc>
      <image:title>Fractional CFO</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1613750899232-DWZ3581X4PKQR7MV3KC7/Dispatch+image.jpg</image:loc>
      <image:title>Fractional CFO</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.davidsterncfo.com/dscfo-file-upload</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-05-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/1619132315641-4IDVTXE6ZHOL1NWO5Y96/File+upload+icon.png</image:loc>
      <image:title>File Upload</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.davidsterncfo.com/get-paid-quickly-ebook</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600b245aba4b607ecc07e369/447c9a4a-2683-45ca-8244-d2db2187d794/Get%2BPaid%2BQuickly%2BE-book-1+copy.png</image:loc>
      <image:title>Getting Paid Quickly Ebook - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
</urlset>

