Meet John B. Love III — Your Virtual CFO | Keystone CFO
Meet Your Virtual CFO

John B. Love III

Strategic finance leadership, on a retainer — for owners who aren’t ready to hire a full-time CFO, but can’t afford to fly blind.

John B. Love III, founder of Keystone CFO
John B. Love IIIFounder · Midland, Texas

A great CFO does two things: puts the financial pieces together, and keeps them safe. John B. Love III is built to do both — and he does it for businesses a traditional CFO would never take a call from, starting at $100 a month.

Three vantage points, one person

What sets Love apart is range. He runs three connected practices: PaperWerks (bookkeeping, tax, payroll), Love Wealth Management (fee-based fiduciary advisory through LPL Financial), and Keystone CFO (strategic finance). Where most owners have to hire a bookkeeper, a CFO, and an advisor who never speak to each other, Love holds all three views at once — your books, your business, and your personal wealth as one continuous picture.

We put the pieces together. Then we keep them safe.

Why owners trust him

  • A serious résumé — BA in Economics, Summa Cum Laude; a track record building and running his own businesses; and years keeping the books for companies across many industries.
  • Proven at scale & in public trust — Has managed multi-million-dollar entities, served numerous nonprofits and boards, held elected office, served as president of the Texas Municipal League, and ran for U.S. Congress.
  • Fiduciary discipline — Trained to put your interest first — and honest about your numbers even when the news isn’t.
  • Clear boundaries — Consulting done rigorously; formal valuation, audit, tax, and legal work referred to credentialed pros.
  • Real consistency — A fixed quarterly rhythm with a recap in your inbox within two business days, every time.
Built to grow with you

Six levels. Enter where you fit; move up as you grow.

Every level carries forward the tools of the level below it, scaled up. You never start over.

LevelRetainerBest for
Foundation$100/moSolopreneurs, under ~$250K, no employees
Cornerstone$250/moMicrobusiness, 1–5 employees, $250K–$750K
Keystone$500/moSmall business, 5–15 employees, $750K–$2M
Vault$1,000/moGrowth-stage, 15–30 employees, $2M–$5M
Citadel$2,000/moEstablished, 30–75 employees, $5M–$15M
Legacy$3,500/moLower middle market, 75+ employees, $15M–$50M+

CFO-level strategy on a small-business budget — the piece that holds it all together, and keeps it safe.

Let’s talk

Book your free consultation

Tell me a little about your business. I’ll come prepared — and I’ll tell you straight whether I can help.

Prefer to grab a time now? Book a discovery call →