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A poor valuation doesn’t just cost you thousands—it can cost you millions $$$, along with wasted time and stress. I help searchers, private equity groups, and business owners value private small to midsize businesses for investment, partner buyouts, tax, and litigation purposes. Unlike many finance freelancers on Upwork, I’ve personally invested in, operated, bought & sold, made and lost money on private acquisitions and investments. That real-world risk taught me the stakes of an inaccurate valuation. For the past 15 years, I’ve analyzed thousands of startups and small- and mid-sized businesses and have become certified across multiple SME appraisal and finance bodies. I am certified by the National Association of Certified Valuators and Analysts (NACVA) and the International Society of Business Appraisers (ISBA). I follow a structured process that documents every step, explains conclusions, and ensures credibility. Services Include: 🤝 Partner Buyouts - deliver certified, accurate and defensible valuations when an owner is considering selling to a business partner or related party. 📑 Business Acquisition Investment Review & LBO Analysis – get value of a private business you are considering acquiring or investing in. 🧾 Tax & Estate Valuation – independent certified business valuations for estate and gift tax reporting as required by the IRS. ⚖️ Litigation Valuation – lost profits and economic damage reports based on court-tested techniques that deliver accurate estimates of SME private business value. 🚀 Startup & Venture Capital Valuation – get an accurate and defensible pre-money value for your startup or investment. 📈 Strategic Planning – provides owners, leadership teams, and investors with a clear view of business value to guide growth strategies. 🚚 Equipment Valuation – Certified desktop appraisals for machinery, vehicles, and other equipment assets. 🧮 Quality of Earnings - assess the quality of reported EBITDA adjustments and discretionary earnings of the business 💵 Proof of Cash – our best defender against fraud and manipulation of financial statements 🔄 Working Capital – create accurate estimates for operating working capital needs and target PEG for negotiations. 💼 Acquisition CFO – support from post-acquisition accounting integration and cash flow forecasting. Why Work With Me: ✔️ Authoritative knowledge: thousands of businesses analyzed ✔️ Certified across multiple Institutes (CVA®, BCA®, CMEA®, FMVA®, and more) ✔️ Proven structured process that documents every step for credibility ✔️ Deliver fast turnaround (24–48 hours) when deadlines are tight ✔️ Top Rated on Upwork with 100% job satisfaction rating What Upwork Clients Say: 💬 “Josh is exceptional at what he does and provided the exact skills I needed for a potential business acquisition. Accountants might be able to review financials, but Josh knows exactly what to look for. 💬 "Josh is hands down one of the best consultants I’ve worked with on up work. He is perhaps the most professional person I’ve worked with, as well as the most talented business valuation expert I’ve ever worked with." 💬"Working with Josh has been one of the best decisions we've made. We're happy to recommend him to anyone looking to understand the value of their company." About Me: I’m Josh and 15 years ago when I got out of the military I wanted to buy a business. When I got the numbers from the business I wanted to buy, despite having a degree in finance, I could not come up with how they put the numbers together. I outsourced the analysis to different financial professionals but got conflicting information on the business’s value. The pressure mounted as I was about to put up a significant amount of my net worth, and I could not sleep. From that moment, I vowed to never be put in this position again and have been on a quest to know how these companies are valued. This past decade I’ve analyzed thousands of these businesses along with gaining multiple business appraisal institute certifications. To go along with my degrees and certifications, I have read over 400 books on private business valuation and transaction analysis. My credentials include: ✸ Certified Valuation Analyst (CVA)® ✸ Business Certified Appraiser (BCA)® ✸ Certified Machinery & Equipment Appraiser (CMEA)® ✸ Financial Modeling and Valuation Analyst (FMVA)® ✸ Professional Bookkeeper (PB)® ✸ QuickBooks Specialist (QS)® ✸ Profit and Growth Expert (PGE)® ✸ Certified Turnaround Analyst (CTA)® ✸ Accredited Small Business Consultant (ASBC)® ✸ M.S. in Applied Economics (MSAE) – Johns Hopkins University ✸ M.S. in Finance (MSF) – George Washington University ✸ B.B.A. in Finance—Radford University ✸ Certificate in Forecasting in Organizations—Johns Hopkins University ✸ Certificate in Real Estate Finance and Investment—New York University I’m new to Upwork and offering introductory pricing to build client relationships here. I offer a free consultation, so send me a message.

I work as a Business Analyst specializing in market research, financial analysis, and strategic intelligence for organizations navigating complex markets. My focus is turning fragmented data, technical detail, and ambiguous market signals into clear, defensible insights that executives, investors, and product teams can use to make decisions. Clients typically request services when they need analysis that goes beyond surface-level research—work that can support strategy development, investment evaluation, product positioning, or policy analysis. My work spans market sizing, competitive intelligence, financial modeling, and regulatory or policy research across sectors including technology, real estate, fintech, healthcare, energy, and infrastructure. I combine traditional analytical methods with modern AI-assisted workflows to accelerate data collection, synthesis, and insight generation while maintaining rigorous verification and analytical discipline. This allows me to process large information sets quickly, structure complex research problems, and deliver clear reports, dashboards, and executive-ready analyses that help organizations move from uncertainty to informed action. Alongside client work, I am the Founder of H Heuristics, an independent research and advisory firm producing in-depth analysis on technology markets, infrastructure, capital markets, and global economic trends. Through both client engagements and institutional research publishing, I have developed a disciplined approach to evaluating markets, assessing competitive dynamics, and communicating complex findings to decision-makers. I take on a selective number of projects where analytical depth, clear thinking, and commercially grounded insight matter most.

🏆 EXPERT-VETTED TOP 1% ON UPWORK |⭐ 5-Star Ratings | Data Analytics and Predictive Modeling|💎MASTER/PHD THESIS Help |✅Statistics, Panel Data, Time series Econometrics |✅ R, PYTHON, SAS, Tableau, Power BI | ✅Data Science, Machine Learning Models | ✅STATA Master, Large Survey Data and Regression Analysis, Economic Policy Evaluation, Predictive Financial Modeling | 🏆PhD and 20 years of experience. ABOUT ME: 🏆 EXPERT-VETTED and TOP RATED PLUS status (TOP 1% on UPWORK) 🥇20 years of working experience with large corporations and institutions (Amazon, the World Bank, International Financial Corporation, University of Pennsylvania) 🎓PhD/Professor in Econometrics/Statistics/Data Science 💎Provide effective help for MASTER/PHD THESIS With proven tracked records of success in Upwork (Expert Vetted Top 1% and Top Rated Plus), overwhelmingly positive feedback with 5* ratings, my PhD and 20 years of experience, I can definitely help you bring out the highest quality, great results for your project and achieve your business goals. I have over 20 years of experience in empirical research, statistical analysis, econometric modeling, data science, machine learning models, data analysis (panel data analysis and time series analysis, complex survey design and analysis), data visualization, storytelling, and project management. I enjoy creating dashboards of data analytics to provide data insights, data trend, meaningful graphs, statistical analysis, story-telling summary that serves as key benchmark to influence business decision. Moreover, I also provide robust statistical evidence, regression/correlation analysis, machine learning predictive models to provide supportive and significant results for business projects. I also help clients understand different statistical techniques, regression techniques, learn excellent statistical language including STATA, SAS, R, and Python to make your life easier. My previous projects on machine learning and econometric modeling include the followings but not limited to: - Data Analysis, Large Survey Data Analytics and Data Visualization. - Linear regression with panel data and time series data. - Forecasting model for time series analysis - Financial modeling such as stock returns, cryptocurrency price prediction, financial indices and financial performance prediction. - Machine Learning models: Random forest, decision trees, KNN, neural network,... - Logistic models, multinomial logit models, ordered logit models. - Economics research, market research, house price, mortgage default prediction, - Program evaluation using different methods such as difference in difference, propensity score matching, instrument variables, fixed effects, regression discontinuity design. I am happy to share my knowledge on machine learning modeling as well as quantitative and analytical skills to help you succeed in your project. In addition, with my experience in participating and presenting in thousands of academic and industry conferences, supervising and guiding hundreds of college and graduate students in their thesis/dissertation, I am very confident that I can help you make a difference in your project and bring out the highest quality and great results for your Master or PhD's thesis/dissertation project. I can also provide statistical advice and statistical analysis including: - Descriptive Statistics. - Bi-variate analyses such as t-tests, correlations, chi-square tests and non-parametric tests for normal and non-normal data. - Multivariate analyses such as ANOVA, MANOVA, LDA, PCA and factoring analysis, regression analysis (see econometric models above). - Review and interpret statistical output, set up the appropriate hypothesis testing and write up conclusion and policy recommendation. - Tutoring Statistics, Math and Econometric courses: including both introduction and advanced courses. I have experience with different types of data including: - Survey data (household, market research, firm/business/country data, house price, loan performance, accounting, finance, health, labor and income, etc.) - Panel data - Time series data I help clients put together and analyze different types of survey data, panel and time series data, getting the data insights, build data trend and data stories with meaningful graphs and great visualization. With proven tracked records of success in Upwork (Expert Vetted Top 1% and Top rated), overwhelmingly positive feedback with 5* ratings, my PhD and 20 years of experience, I can definitely help you bring out the highest quality, great results for your project and achieve your business goals. Looking forward to working with you soon, Dr. Victoria

I help businesses turn data into decisions that drive results. With an MS in Mathematical Finance & FinTech from Boston University and hands-on experience at a primary US Treasury dealer, I bring a rare combination of quantitative finance expertise and modern data science skills. What I can build for you: - Financial data dashboards and automated reporting - Machine learning models for prediction and classification - NLP pipelines for sentiment analysis and text analytics - RAG-powered AI tools using LangChain and OpenAI - Quantitative models for risk analysis and financial forecasting Recent projects include a real-time Financial News Sentiment Analyzer using RAG and GPT, a Bank Customer Churn prediction model, and an interactive Financial Data Dashboard, all deployed and live. I work in Python, SQL, Pandas, Scikit-learn, LangChain, Streamlit, and PySpark. I deliver clean, documented, production-ready work. If you have a data problem that needs solving, let's talk.

Professional experience in Data Analysis and research with many professional Certificates on Data Analysis from Coursera, Udemy, Edex, ServiceNow, and Pipedrive. Data Analysis duties performed from Data Collection to Data handling, Data compiling, Data Analysis— Quantitative and Statistical Analysis to Projections and Estimations for the Clients as well as the Company. Hands on experience working with: - Excel, - PowerPoint - SQL, - Python, - Tableau, - Looker - CRM systems - Marketing -SEO - AI case management I have also worked as Co-editor of my company's newsletter and have experience with: - Content Writing, - Reports, - Blog posts. Throughout my academic and professional course I have been involved in Data Collection, Data Compilation and Data Crunching with showing my results in Vizios in PowerPoint and Tableau. I have been coherently involved in: - Statistical and Economic Analysis (Python and Tableau) - Comparative Study by identifying potential market by Conjoint Modeling. - Analysis Representations and Power point Presentations (in public hearings , conferences, and before boards) - Report Writing (Proposal submission, final technical and financial report) - Content Writing (Blogs for technical websites, Newsletter co-editor)

Your Data, Transformed Into Dashboards That Drive Better Decisions Dashboards built with Looker Studio, Tableau and Power BI turn complex data into clear, actionable visuals—helping teams track performance, identify trends, and make confident decisions every day. What Can Be Delivered SQL-Driven Analytics: Reliable data models paired with clean visuals and intuitive filtering Looker Studio Reports: Google Ads, Analytics, and Sheets unified into a single, clear view Tableau Visualizations: Data storytelling focused on key performance indicators and outcomes Data Preparation: Cleaning, structuring, and organizing datasets for accurate reporting Automated Reporting: Seamless refreshes using blended and connected data sources Tools & Skills BI Tools: Looker Studio | Tableau | Power BI Data Sources: PostgreSQL | MySQL | BigQuery | Google Sheets | Excel Expertise: SQL | Data Visualization | Dashboard Design | Reporting Automation Why It Works Every dashboard is designed with clarity and decision-making as the priority—fast to load, easy to navigate, and built to deliver long-term value. Projects are executed with precision and attention to detail, ensuring each visualization communicates the right insight at the right time. Let’s Build Something That Informs and Inspires Dashboards built with Looker Studio, Tableau and Power BI that transform raw data into meaningful insights—ready to support real business results.