About
Your Virtual CFO
About Us
At Your Virtual CFO, we help entrepreneurs, high-earning professionals, families, and business owners master the financial game with clarity and confidence. With over 13 years of experience, we provide strategic guidance—from tax and investments to retirement and estate planning—so you can enjoy your wealth today while planning responsibly for the future.
Our approach is relationship-based, proactive, and deeply invested in our clients’ success. From planning and budgeting to forecasting and reporting, we’re with you every step of the way.
Your Wealth. Your Vision. Expertly Designed.
Core Financial Services
- In-depth cash flow management to keep your finances strong and predictable
- Tax-efficient strategies that protect and maximize your earnings
- Investment planning tailored to your unique goals and risk profile
- Long-term wealth building designed for lasting prosperity
Strategic Advantages
- Proactive problem-solving to identify and address issues before they arise
- Innovative solutions & actionable insights that drive measurable results
Beverly Krzmarcik
Meet your private wealth designer
With a robust background in strategic finance and operations spanning over two decades, Beverly founded Your Virtual CFO to empower entrepreneurs, high-earning professionals, families, and business owners with trusted, strategic financial stewardship.
She believes financial planning is like a game of chess—it's not just about contesting the current move, but mastering the entire board. Beverly offers comprehensive, results-driven solutions that go beyond managing numbers—they anticipate challenges, seize opportunities, and guide you toward long-term prosperity.
From cash flow and tax-efficient strategies to investment, retirement, and estate planning, Beverly delivers personalized guidance designed to help you enjoy your wealth today while responsibly building toward the future.
Whether you're looking to grow your business, secure generational wealth, or create a roadmap for retirement, Beverly works tirelessly to craft custom strategies built around you. Her deep knowledge, combined with her unwavering commitment to your success, ensures that you’re not just managing money—you’re building a legacy. Under Beverly’s guidance, financial confidence isn’t just a goal—it’s the standard.
Our Mission
At Your Virtual CFO, our mission is simple yet powerful: to help individuals and businesses reach BEYOND their financial goals. We do this by delivering unbiased advice and innovative, personalized solutions. Whether you’re planning for the future or managing the present, we are here to provide expert guidance tailored to your unique financial needs. With us, you’ll find not only a service but a partnership committed to your long-term success and prosperity.
400+
Satisfied Clients
15+
Years of Experience
5
Star Rating
Our Extended Partners
DaVinci Capital Partners
For individuals and families with more than $500,000 in investable assets, we offer private client portfolio management using traditional and alternative strategy funds and select access to private placements found in leading pension plans and not typically available to individual investors. With over 75 years of combined investment experience, we aim to provide stable, fully-managed portfolios using a disciplined, pension-style process to ensure that for every area we invest in, we are maximizing the return per unit of risk.
Our Extended Partners
Frank Abate
Frank Abate is a Chartered Professional Account (CPA, CA). He also holds a CFP designation (Certified Financial Planner), and TEP designation (Trust and Estate Practitioner Designation). Frank’s professional designations, along with his years of experience as a Tax Advisor (Primarily with Owners of Private Corporations and High Net Worth Individuals) have provided an excellent foundation for the area of advice he currently focuses on.
Our Extended Partners
Croft Financial Group
Croft Financial Group is a Canadian investment management firm that provides customized portfolio solutions for individuals, advisors, and institutions. Their services include discretionary portfolio management, private wealth strategies, and innovative investment products tailored to diverse financial goals. With an emphasis on transparency and disciplined, active management, Croft leverages deep market expertise to deliver risk-conscious, long-term results. Their mission is to empower clients with trusted guidance and personalized strategies to help grow and preserve wealth.
Our Extended Partners
ModernAdvisor
ModernAdvisor is a Canadian online investment management platform that combines technology with expert financial guidance. The service builds diversified, low-cost ETF portfolios tailored to each client’s goals and risk tolerance, making professional investing more accessible and affordable. In addition to automated portfolio management, clients have access to human advisors, goal-based planning, and socially responsible investment options. With a focus on transparency, convenience, and cost savings, ModernAdvisor helps Canadians invest with confidence and plan for the future.
Make Smarter Financial Decisions Today
Let Your Virtual CFO help you plan, grow, and thrive with tailored financial strategy and support. Book a free discovery call to get started.