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I have built, valued, and modeled over 1,000 companies across all 50 US states, every Canadian province, and 50+ countries. CFA charterholder. 10 published books, all rated 5.0 on Amazon. $200K+ earned on Upwork with 100% Job Success. Top Rated Plus. Ranked #1 Financial Modeling in Canada and #2 Investment Banking globally on Upwork. When a founder sends me their financial model, I already know the three questions their investors will ask, because I spent years reviewing deals from the investor side as a fund fiduciary. That perspective separates my work from everyone else in your inbox. I wrote 10 books on this. Literally. My Amazon series, A Founder's Conversations with a Fractional CFO, covers every financial decision a founder faces: CFO Versus Accountant, Pitch Decks, 409A Valuations, Financial Modeling, Business Plans, KPIs and Dashboards, Private Company Stock Options, Fundraising Mechanics, Real Estate Financial Modeling, and SBA Loans. WHAT I DELIVER: Financial Modeling: Three-statement models, revenue models, SaaS models, startup financial projections, scenario analysis, sensitivity analysis, unit economics, breakeven analysis, cash flow forecasting, pro forma financials, budget models, and investor-ready models built in Excel. Published on Bloomberg, Reuters, FactSet, and S&P Global terminals. Business Valuations: DCF analysis, comparable company analysis, precedent transactions, startup valuations, fair market value, certified business valuations, and 409A valuations for fundraising, M&A, tax compliance, equity compensation, and internal planning. Business Plans: Investor business plans, SBA lender business plans, immigration business plans (EB-2, EB-5, USCIS), startup plans, feasibility studies, market analysis, competitive analysis, go-to-market strategy, and executive summaries for banks, investors, and regulatory bodies. Pitch Decks: Seed decks, Series A decks, fundraising decks, investor presentations, and data room preparation. Helped raise hundreds of millions in capital across angel, seed, Series A, and Series B rounds. Cap Tables and Equity: Cap table modeling, stock option plans (ISOs, NSOs, RSAs), SAFE and convertible note modeling, option pool sizing, dilution analysis, waterfall analysis, pre-money and post-money calculations, vesting schedules, 83(b) elections, and 409A compliance. Fundraising: Term sheet analysis, SAFE structuring, convertible note terms, liquidation preferences, closing mechanics, investor negotiation, due diligence preparation, and capital raising advisory from pre-seed through Series B. Fractional CFO: Financial strategy, KPI dashboards, OKR tracking, board reporting, investor reporting, cash flow management, burn rate analysis, runway modeling, and startup growth consulting. As former CEO of SentimenTrader and founder of ExemptAnalyst (acquired by Pinnacle), I have been on your side of the table. Real Estate Financial Modeling: Acquisition models, development pro formas, NOI and cap rate analysis, rent roll analysis, construction draws, lease-up modeling, waterfall distributions, LP/GP splits, DSCR, and sensitivity analysis for commercial, multifamily, and value-add deals. SBA Loans: SBA 7(a) and 504 loan modeling, lender packages, debt service coverage, seller note structuring, business acquisition models, and goodwill analysis. Due Diligence and Investment Banking: M&A due diligence, credit analysis, investment memos, structured finance, SPV structuring, and institutional-grade research. Ghostwriting: 10 published books on Amazon (all 5.0). Available for personal finance and business book ghostwriting. BACKGROUND: 25+ years in capital markets. Former CEO of SentimenTrader. Founded ExemptAnalyst (largest private research firm in Canada, acquired by Pinnacle). Director at Eiffel Peak Capital. MD at Pinnacle Wealth Brokers. VP at IA Clarington. Advised on $79M Wes-tower acquisition. Co-Host of The Dales Report (40K YouTube). Finance Instructor, University of Toronto. CFA, CFP, CIM, FCSI Fellow. My schedule fills up fast. If my status shows available, reach out now for a quick call to scope your project.

Real Estate Underwriter | Institutional Analysis | Acquisitions & Development I support investors, developers, and lenders at the go / no-go decision stage with institutional-grade underwriting, valuation, and capital structuring. With over 10 years of experience in commercial real estate underwriting and financial analysis, I focus on risk-adjusted decision-making, not just spreadsheet outputs. My work is designed to answer one question clearly: Does this deal hold up under stress? Based in Vancouver, Canada — available across North American time zones. I underwrite acquisition, value-add, and ground-up development transactions across multiple asset classes, including multifamily, retail, office, industrial, self-storage, hospitality, and mixed-use properties. I also support mortgage underwriting and credit analysis for lenders evaluating commercial real estate debt opportunities. Over 10 years | 28 projects | ~$523M total capitalization | 3,500+ transactions underwritten for institutional lenders including Barclays, JP Morgan, Citigroup, and Credit Suisse. ________________________________________ What I Do Best Institutional Underwriting & Valuation • Full deal underwriting with downside, sensitivity, and exit risk analysis • Valuation using income capitalization, reversion, and scenario-based assumptions • Identification of underwriting gaps, sponsor risk, and execution risks Acquisitions & Development Financial Modeling • Value-add and ground-up development models • Construction budgets, draw schedules, and lease-up modeling • Financing sensitivity across leverage, rate, and timing scenarios Debt, Refinance & Capital Strategy • LTV / DSCR-driven debt analysis • Refinance feasibility and recapitalization planning • Equity vs debt optimization under changing market conditions Investor & IC-Level Materials • Investment memos and IC summaries • Pitch decks and offering memorandums • Clear, defensible narratives for partners, lenders, and investors ________________________________________ How Clients Use Me • Second-opinion underwriting before submitting LOIs • Stress-testing broker or sponsor assumptions • Development feasibility reviews • Pre-refinance and exit timing analysis My clients value clarity, speed, and honesty. If a deal works, I’ll tell you why. If it doesn’t, I’ll show you where it breaks. ________________________________________ Typical Engagements • Deal underwriting & investment review • Acquisition or development model build/review • Debt structuring and refinance analysis • IC memo or investor presentation support Hourly and fixed-fee engagements are available, depending on the scope. If you’re looking for institutional-grade analysis with practical judgment, let’s connect.

I am a seasoned finance and analytics professional with a proven track record of delivering insightful solutions. My proficiency spans across various tools, including Excel, Google Sheets, and Power BI, where I specialize in data visualization, financial modeling, trend analysis, financial planning and analytics, budgeting, forecasting, and variance analysis. With a keen eye for detail and a strategic mindset, I have successfully assisted businesses in making informed decisions based on comprehensive data analysis. My dedication to precision and efficiency ensures the delivery of accurate financial insights and actionable recommendations. Whether you need assistance in streamlining your budgeting process, creating dynamic financial models, or visualizing complex data sets, I bring a wealth of experience to the table. Let's collaborate to transform your financial data into a valuable asset for informed decision-making and sustainable growth.

I work as an investment analyst, helping clients find profitable opportunities in the global stock, bond, commodity, and currency markets. Expanding one's horizon across asset classes increases risk-adjusted returns by allowing for more selectivity and diversification. I've also completed the Chartered Financial Analyst (CFA) Program and have extensive macroeconomic experience. Furthermore, if your intelligent ideas struggle to connect with a literary canvas, you’ve come to the right place. I’ve written press releases, blogs, guides, PPT presentations, website and webinar texts, e-books, social media posts, marketing emails, research reports, and more. In addition, client satisfaction and economic results are at the heart of every story, and I’m eager to craft yours today.

Real estate private equity professional. CFA charterholder, MBA in Finance (University of Toronto), and ex-RBC banker. Over the last decade, I've underwritten commercial and residential real estate across the US and Canada for 80+ developers, sponsors, syndicators, PE firms, and brokers — deal sizes from $2M to $500M+. Underwriting & investor materials: • Financial models — development, acquisition, value-add, refi (full debt schedules, sensitivities, LP/GP waterfalls) • Offering memorandums, investor pitch decks, PPM-support • Underwriting & due diligence — rent comps, sales comps, expense benchmarking • Asset management & investor reporting — dashboards, variance tracking, waterfall recalcs Strategy & advisory: • Deal evaluation & second-opinion underwriting — go/no-go on deals under LOI or in IC review • Acquisition strategy — market selection, asset positioning, multi-market ranking frameworks • Capital structure design — debt sizing, preferred equity, JV economics, LP/GP waterfalls • Hold-sell-refinance — exit timing, scenario analysis, disposition strategy • Sponsor-side advisory — thesis development, first-fund structuring, LP pitch positioning Recent engagements: • Capital stack structuring for a 51-unit Florida condo development to rebalance sponsor and LP economics • 165-unit, two-tower condo development in Ontario ($94M project; full investor OM and underwriting model) • Acquisition strategy advisory for a first-time multifamily sponsor — built a 10-market ranking framework • Multi-tenant NNN offering memorandum ($45M asset) Asset classes: multifamily, mixed-use, industrial, retail, hospitality, condo, SFR, office, purpose-built rental, land assembly. Primary platforms: Excel (advanced), Argus, CoStar, RealPage. Comfortable across other CRE-adjacent software. Whether you need a deal modeled, evaluated, or structured for investors — send the details and I'll come back with scope and timing.

I’m a financial writer and analyst with more than 15 years of experience across portfolio trading, fund operations, fund product management, and capital markets commentary. Before becoming a full-time writer, I built my career inside the investment industry. As a Client Portfolio Trader, I executed trades across tens of thousands of discretionary accounts in a single day. As a Portfolio Operations Manager, I managed multi-billion-dollar tactical asset allocation calls. And as a Product Manager, I was responsible for a group of flagship multi-asset class funds with more than $4 billion in assets under management, and led the launch of an innovative suite of index-tracking ETFs from concept through inception. That institutional background is the foundation of my writing. I do not approach financial content as an outsider. I understand how investment products are built, how portfolios are managed, how markets affect decision-making, and how sophisticated financial ideas need to be communicated to different audiences. Since transitioning into financial writing, I have produced more than 10,000 social media posts and authored more than 2,500 published articles, white papers, and thought leadership pieces for financial firms, fund managers, and newspapers, including Forge Global, Changebridge Capital, Ionic Capital, Toroso Investments, EB Wealth, GraniteShares, The Dallas Express, and Infrastructure Capital. I have held the CFA charter since 2017.