Embedded CTO ($10K-$15K/mo, ~20 hrs/wk) vs Fractional CTO ($2.5K-$5K/mo, 4-15 hrs/mo). Real price comparison, scope per tier, anecdotes, and a decision matrix to pick the right one.
Real per-tier menu for a fractional CTO monthly retainer in 2026. Hours, response time, decision authority, and what each price actually buys. Three anecdotes from real engagements.