.png)
WELCOME
Financial strategy and support for consultants, content creators, and dentists.
​
At first glance, dentists and consultants may seem like very different clients, but I know both worlds well. I spent over a decade running a dental practice and now work as a content creator and consultant myself. That’s why I built Ebb and Cash Flow: to offer practical, real-world financial support for service-based business owners who want to grow with confidence.
​
Whether you need clean books, strategic financial guidance, or full Fractional CFO services, I’m here to help you simplify your numbers and strengthen your bottom line.
​
I also offer the PALM Cash Flow System, a 9-step framework designed to help business owners take control of their pricing and cash flow. While it’s no longer my main focus, it remains available as a powerful tool.
​
If you're ready for your finances to feel clear, aligned, and manageable—you're in the right place.
Meet Vicki
Fractional CFO
I’m Vicki Holman—Fractional CFO, bookkeeping strategist, and midlife reinvention advocate.
I help consultants, content creators, and dental professionals take control of their business finances and grow with confidence.
​
With 10+ years of experience running a multimillion-dollar dental practice and a background in finance, I bring practical strategy and real-world insight to every client relationship. Whether you're looking for clean books, cash flow clarity, or full Fractional CFO support—I’m here to make your numbers make sense.
​
After living abroad in Saipan and recently completing the Camino de Santiago, I’m embracing this next chapter of life and business with purpose and joy. If you're ready to thrive in your business and your life, you’re in the right place.
How We Can Work Together:
Bookkeeping
Clean, reliable monthly books that keep you audit-ready and in control of your numbers.
CFO Essentials
Foundational financial strategy and planning for businesses earning $300K+.
Fractional CFO
High-level financial leadership and custom growth strategy for businesses earning $750K+.
Add-On Services
Optional support like credit clean-up, PALM cash flow services, and financial dashboards.