CFO Services

Start with reporting. Add a full finance function when you need one.

Four ways to engage, from monthly reporting to a named CFO who supervises your staff. Every tier is designed to run on the same controls.

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Avestix CFO Services

The CFO your family office can't hire.

CFOs are now the hardest seat in a family office to fill, and few combine tax, governance and AI skills. Avestix Family CFO gives you a Chartered Accountant-led, AI-enabled finance function, part-time, for less than the cost of one senior hire.

Essentials

Monthly consolidated reporting, liquidity view, bill pay oversight and a quarterly CFO review.

Family Office CFO

Adds budgeting, treasury, tax and audit coordination, banking and insurance, and monthly family meetings.

Embedded CFO

A named CFO for your family, supervising staff and reporting to the family council.

Projects

AI readiness review, liquidity-event planning, finance clean-up, or building your in-house team.

Every engagement is designed around five AI controls: read-only first, named human review, approval thresholds, dual sign-off on payments and full audit logs.

How the work gets done

Designed so AI prepares each piece of work and a named person signs it off.

Here is what that is designed to look like for the regular work of a family finance function. Your engagement letter will name the people in each role.

Designed so AI prepares each piece of work and a named person signs it off.
Task	What AI prepares	Who signs it off	Included from
Consolidated reporting	Draft monthly report across banks, entities and jurisdictions, with exceptions flagged	Your Avestix CFO	Essentials
Liquidity view	Cash position and a forecast of capital calls, taxes and distributions	Your Avestix CFO	Essentials
Bill pay	Invoices matched to approvals and a proposed payment run	Two approvers, under dual sign-off	Essentials
Budgets and treasury	Budget against actuals, and sweep and deposit proposals	Your Avestix CFO, then the family	Family Office CFO
Tax and audit coordination	Document requests, deadlines and adviser packs	Your Avestix CFO and your tax advisers	Family Office CFO
Family meeting pack	Draft papers for the monthly family meeting or council	Your named CFO	Family Office CFO

The aim

One set of numbers the family trusts, every payment under control, and a finance function that does not depend on one person.

Led by a Chartered Accountant

Avestix Wealth is led by founder Susan Lindeque, a Chartered Accountant (CA(SA)) for 25 years who spent more than 15 years as a Director and Chief Financial Officer of international companies alongside her 25 years as matriarch of a single family office. The monthly close, the reconciliation across entities and the consolidation into one set of numbers are work she has done herself, and they are what the Family CFO service now runs for your family.

Meet the team

How this works in practice.

Customer scenarios

Scenarios on this page are illustrative and do not describe real clients. Investment, trust and insurance services are provided with licensed partners where required. This page is general information, not advice.

Scenario

The family office CFO resigns

Three months before year-end, with the audit and two tax filings due.

The situation: A single family office loses its CFO of twelve years. Reporting lives in spreadsheets only she understood, and the family has no one to approve payments.
What we would do: An Embedded CFO steps in within weeks, rebuilds monthly reporting, puts dual sign-off on every payment and keeps the audit and filings on schedule. The family then decides whether to hire or stay fractional.
Where it leaves the family: The year closes on time, the controls are written down, and the next hire inherits a finance function that works.

Scenario

Twelve entities and no single set of numbers

Each entity has its own bookkeeper. The family sees the total once a year, if at all.

The situation: A family holds operating companies, property and investment entities across four countries. Each is kept by a different bookkeeper, in different currencies and on different year-ends, and the principal cannot see in one place what the family owns.
What we would do: We set one chart of accounts, run a monthly close across every entity, reconcile the balances between them and consolidate everything into one set of reports in the family's reporting currency.
Where it leaves the family: A monthly report the family reads in one sitting, with the same numbers its advisers and banks see.

Scenario

Every payment through one pair of hands

A long-serving household manager pays everything, and nobody else checks.

The situation: Staff, property costs and school fees are paid from three personal accounts by one trusted employee. There is no budget, no second approver and no record beyond the bank statements.
What we would do: We move bill pay onto a budget the family approves, set approval thresholds, put dual sign-off on every payment and keep the record in one place.
Where it leaves the family: The employee keeps the work, the family keeps control, and every payment carries two names.

Questions families ask

Before you engage.

Does this replace our accountants and tax advisers?

No. We work alongside them. Family CFO coordinates their work, prepares what they need and keeps the deadlines, so your advisers spend their time on advice.

Can we start small?

Yes. Many families start with Essentials or a single project, such as a finance clean-up, and add more once reporting is in place.

Can you help us build our own finance team later?

Yes. Building the family's own finance and tax capability is one of our services, and the Projects tier covers it.

Can an AI agent take control of our bank accounts?

No. Our AI tools are designed to hold no banking credentials and to have no way to send an instruction to a bank. They will draft the work from read-only data. Every payment will be released by two named people inside the bank's own platform, after the amount is checked against the thresholds your family set, and any new payee or changed bank detail will be confirmed with a known contact first. No AI-prepared work will go ahead without a person, and every step will be logged.

Who can see our data?

Only the people named in your engagement letter will see it, with access reviewed when roles change and at every quarterly review. AI tools will see data through read-only access and will never hold a bank login or payment permission. Where data will be held and which providers we will use are set out on our AI governance page and in your engagement letter.