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Santacruz Advisory

Your business deserves
CFO-level clarity
at every stage of growth.

Most healthcare operators are making high-stakes decisions — hiring, expanding, borrowing — without a financial leader in their corner. Santacruz Advisory changes that, without the cost of a full-time executive.

See How We Work
Roger Santacruz
CPA  ·  MBA  ·  CHFP
The Problem

Sound familiar?

Healthcare businesses are complex. The financial challenges that come with running one — thin margins, slow payers, regulatory pressure, and constant growth decisions — require more than a bookkeeper or a once-a-year CPA visit.

You're profitable on paper but always watching cash.

Billing cycles, slow payer reimbursements, and payroll timing create cash crunches that catch even healthy practices off guard.

You're making big decisions without a financial model.

Hiring a new provider, opening a second location, or taking on debt — without a pro forma or forecast, you're guessing on six-figure calls.

Your reports tell you what happened. Not what's coming.

Monthly financials are a rearview mirror. Without forward-looking analysis, by the time you see the problem it's already cost you.

The Value

Finance that works for your business, not just behind it.

Santacruz Advisory brings CFO-level financial leadership to healthcare businesses that need strategic thinking — not just reporting. Every engagement is built around one goal: giving you the clarity to lead confidently.

That means understanding your numbers, anticipating your challenges, and being in your corner when the decisions matter most.

Cash flow you can plan around

13-week cash flow modeling and AR analysis so you always know what's coming — and what to do about it.

Budgets that reflect your real plan

Annual budgets and rolling forecasts built around your growth goals, not last year's numbers.

Reporting that drives decisions

Financial statements delivered with a CFO narrative — what the numbers mean and what action they call for.

A strategic partner, not just a report

Monthly strategy calls and ongoing access to a CFO who knows your business and is invested in its success.

Who We Serve

Built for healthcare businesses
across the full continuum.

Whether you run a single practice or a portfolio of facilities, the financial challenges are real — and the need for CFO-level leadership is the same.

Physician Groups & Medical Practices

Provider compensation modeling, payer mix analysis, expansion planning, and the financial visibility to grow without guessing.

Skilled Nursing & Post-Acute Facilities

Deep expertise in SNF reimbursement, cost reporting, and the operational finance that drives performance in a margin-sensitive environment.

Dental, Therapy & Specialty Practices

From opening a second location to managing a growing team, the financial infrastructure to scale with confidence.

Med Spas, Aesthetic & Wellness Clinics

Fast-growing revenue, complex service mixes, and high overhead — we bring the financial structure to protect your margins and fuel sustainable growth.

Roger Santacruz
About

16 years in healthcare finance — built into every engagement.

I started Santacruz Advisory because I saw too many healthcare operators making critical financial decisions without the right support. Every engagement I take on is personal — I'm invested in your outcomes, not just your reports.

CPA
MBA
CHFP
16+ Years Healthcare Finance
My Full Story

Ready to bring CFO-level clarity
to your organization?

Every engagement starts with a conversation. No obligation, no pressure.

Let's Talk

All engagements are custom-scoped. No retainers you don't need.

Learn more

Schedule a Consultation

If you're looking for clearer financial insight, better forecasting, and stronger financial leadership, Santacruz Advisory can help. Reach out to start the conversation.