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I help profitable business owners make better tax, retirement, compensation, and financial planning decisions before year-end, while there is still time to plan. My work is best suited for S-Corp owners, consultants, agency owners, professional service firms, and high-income self-employed professionals who need integrated tax and wealth strategy, not generic tax prep. Common projects include: • Business-owner tax planning • S-Corp compensation and distribution planning • Solo 401(k), SEP IRA, and retirement contribution strategy • Entity structure and owner compensation review • Cash-flow planning around taxes, payroll, and owner distributions • Tax-aware financial planning for business owners • Coordination questions involving CPAs, payroll providers, and attorneys I am a Certified Financial Planner™ professional and IRS Enrolled Agent. My focus is not simply preparing forms after the year is over. I help business owners understand the planning decisions that affect taxes, retirement savings, liquidity, risk, and long-term wealth building. A good fit is usually a business owner who is already profitable, has tax complexity, and wants a structured second opinion before making decisions. A poor fit is someone looking for the cheapest tax return, bookkeeping cleanup, day trading advice, stock picks, or a quick answer without reviewing the facts. The best starting point is a paid diagnostic consultation. We will review your situation, identify the major planning issues, separate what is urgent from what can wait, and outline next steps. If deeper work makes sense, I can scope a separate planning engagement after the call. Important: this profile is for education, planning, and advisory discussions. Tax, legal, and investment recommendations depend on your facts, documents, timing, and applicable rules. No tax savings, investment result, or planning outcome is guaranteed. Talk soon, Cayden W. McLaughlin, CFP®, EA Wealth Advisor & Tax Strategist cayden @ wealthadvisor365 .com

PwC-trained accountant, Fractional CFO, and financial modeling expert helping startups and growth-stage businesses build finance functions that support confident growth. I specialize in Financial Planning & Analysis (FP&A), financial modeling, strategic finance, and finance operations, helping founders improve cash flow, make better decisions, and secure funding with confidence. Over the past two decades, I have partnered with founders, investors, and business owners to transform financial data into strategic decisions. I have helped businesses secure over $400 million in funding through investor-ready financial models, financial projections, business plans, and structured financial planning. Whether you're preparing for fundraising, improving profitability, or strengthening your finance operations, I combine strategic leadership with hands-on execution. My expertise spans the complete finance lifecycle. Financial Modeling & Financial Planning & Analysis (FP&A) • Investor-ready financial modeling and financial projections • Dynamic 3-statement financial models (Income Statement, Balance Sheet, and Cash Flow Statement) • Financial Planning & Analysis (FP&A) • Driver-based forecasting and revenue forecasting • Budget models, budgeting, and forecasting • Cash flow forecasting and runway analysis • Scenario analysis and sensitivity analysis • Valuation models and investment analysis • SaaS metrics, unit economics, and pricing strategy • Business plans and fundraising support • Advanced Excel financial modeling, financial dashboards, executive dashboards, and Power BI reporting Fractional CFO & Strategic Finance • Fractional CFO services • Strategic financial planning • Finance transformation and finance operations • Budget ownership and performance management • Cash flow management and working capital optimization • Profitability improvement and cost optimization • KPI framework design • Financial reporting, management reporting, and financial statements • Board reporting and investor reporting • Capital planning, fundraising strategy, M&A support, and financial due diligence Finance Operations, Controller & Accounting • Controller oversight and finance operations • Bookkeeping and month-end close • Financial reporting and management reporting • Financial statements and management accounts • Accounts payable, accounts receivable, payroll, and reconciliations • Internal controls and finance process improvement • Accounting system implementation and optimization • Extensive experience with QuickBooks Online, Xero, Zoho Books, Odoo, SAP, Expensify, Microsoft Excel, Slack, and Microsoft Teams I have worked across SaaS, FinTech, HealthTech, E-commerce, Real Estate, Manufacturing, Infrastructure Development, and Professional Services, supporting clients throughout the US, Canada, Australia, Hong Kong, and the Middle East. Great financial decisions start with reliable financial information. Whether I'm building investor-ready financial models, leading Financial Planning & Analysis (FP&A), acting as your Fractional CFO, improving financial reporting, or strengthening finance operations, my objective remains the same: provide the visibility, structure, and strategic insight that help businesses grow with confidence. Whether you're looking for advanced financial modeling, Financial Planning & Analysis (FP&A), strategic Fractional CFO leadership, finance operations, or scalable accounting and financial reporting, I'd love to discuss how I can help your business grow.

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.

QuickBooks cleanup, bookkeeping, and Excel automation for businesses that need reporting they can actually trust. I reconcile to the penny, build reports that refresh in one click, and financial models that hold up when you change a number. • Chartered Accountant • Certified QuickBooks ProAdvisor • 8+ Years Experience 👉 You are in the right place if: - Your books are behind and need ongoing, tax ready bookkeeping, not just data entry. - You are running reports manually every month and it is killing your time - You need a dashboard your board or investors can actually read - You want someone who understands the numbers, not just the software 👉 What I Deliver: - QuickBooks Online Bookkeeping, Cleanup & Reconciliations - Excel Automation & Dashboards (Power Query, Pivot Tables, VBA Macros) - Financial Modeling & FP&A (3-statement models -P&L,BS,Cash flow, & financial projections) - KPI Tracking & Management Reports - Google Sheets Automation & Reporting Systems 🛠️ Tools: Excel (Power Query, VBA) • QuickBooks Online • Quickbooks Desktop • Xero • Google Sheets • IFRS/US GAAP 🔧 Additional: AppFolio • Buildium ⏱️ Turnaround: 5 to 7 days | Fixed-price or hourly 👉 Share what you are working on. I will come back within 12 hours with a clear next step or a straight answer if it is not the right fit.

I am Muhammad Abdullah, a Chartered Accountant (ACA) from the Institute of Chartered Accountants of Pakistan (ICAP). Over the past 8 years, I have built a robust career spanning elite institutional training and executive corporate leadership. My background includes a rigorous 4-year articleship within the Audit & Assurance department at EY Ford Rhodes (Pakistan), paired with international secondment exposure across EY Middle East (Al Khobar, KSA, and Qatar). Following my time in public accounting, I have spent 4 years in post-qualification leadership roles, managing comprehensive accounts, finance, taxation, and corporate compliance functions while working closely with C-suite executives to steer complex financial and regulatory transactions. Currently, I serve as the CEO of UJA Consultants, a multidisciplinary corporate advisory firm comprising Chartered Accountants, Legal Advisors, HR Consultants, and IT Specialists. Together, we deliver institution-grade financial strategies, transaction advisory, and compliance frameworks to businesses globally. Whether you are an early-stage founder seeking an investor-ready financial framework, an established company optimizing cash runway, or an M&A team executing cross-border due diligence, I deliver the high-stakes financial infrastructure necessary to back your strategic decisions. 🔹 Professional Expertise ✅ External & Group Audits ✅ Financial Reporting under IFRS ✅ Auditing in accordance with ISA ✅ Interim Reviews & Agreed Upon Procedures ✅ Internal Audit Assessments ✅ Taxation & Corporate Compliance ✅ Financial Analysis & Advisory ✅ Multi-sector Industry Experience 🔹 Core Competencies & Domain Expertise ✅ Corporate Finance & Advisory: Capital Allocation Strategy, Cross-Border Tax Planning, M&A Advisory, Corporate Governance, and Board Deck Preparation. ✅ Transaction Services: Financial Due Diligence, Buy-side/Sell-side Due Diligence, Quality of Earnings (QofE) Reporting, Working Capital Normalization, and Data Room Curation. ✅ Advanced Valuation & Financial Modeling: 3-Statement Modeling, Discounted Cash Flow (DCF), Leveraged Buyouts (LBO), Comparable Company Analysis (CCA), Precedent Transactions, Project Finance, and Equity Waterfall Distributions. ✅ Strategic FP&A: 13-Week Rolling Cash Flow Forecasting, Burn Rate Optimization, Budget vs. Actuals Variance Analysis, and KPI Dashboard Creation. ✅ Technical Compliance & Systems: IFRS, GAAP, Advanced QuickBooks Online (QBO) & Xero Architecture, Tech Stack Integrations (A2X, Stripe, Gusto, Hubdoc), and complex Historical Clean-up Bookkeeping 🔹 Detailed Service Offerings & Deliverables 1. Fractional CFO & Strategic FP&A ✅ Capital Allocation & Strategic Planning: Aligning long-term corporate vision with optimized treasury, debt, and equity structures. ✅ Cash Flow Engineering: Developing high-frequency 13-week rolling forecasts and runway extension strategies to mitigate burn rate risks. ✅ Corporate Performance Management: Setting up real-time dynamic executive dashboards, analyzing Budget vs. Actuals variances, and compiling comprehensive monthly management reporting. ✅ SaaS Metrics Architecture: Tracking and analyzing unit economics including ARR, MRR, LTV:CAC, Churn, and Net Retention (NRR). 2. Advanced Financial Modeling & Valuation ✅ Dynamic 3-Statement Models: Fully integrated, dynamic Excel architecture linking the Income Statement, Balance Sheet, and Cash Flow Statement via robust drivers. ✅ Investor-Ready Projections: Preparing institutional-grade forecasting models complete with interactive Scenario & Sensitivity Analyses and Monte Carlo Stress Testing. ✅ Corporate Valuation Suite: Executing defensible business valuations utilizing Discounted Cash Flow (DCF), Trading Comps (CCA), and Precedent Transactions. ✅ Specialized Deal Models: Crafting Leveraged Buyout (LBO) structures, project finance assets, and complex equity waterfall distribution schedules 3. Mergers & Acquisitions (M&A) & Transaction Advisory ✅ Financial Due Diligence: Performing comprehensive buy-side and sell-side financial reviews to protect transaction value. ✅ Quality of Earnings (QofE) Reports: Delivering objective, high-intent analysis of normalized EBITDA, revenue sustainability, and underlying earnings quality. ✅ Investor Readiness & Pitch Decks: Designing analytical investor pitch decks, managing Cap Table dilution models (including option pool allocations), and structuring secure virtual data rooms (VDRs) for capital raises. 4. Enterprise Accounting, Tech Integrations & Compliance ✅ Financial Statement Compilation: Authoring fully compliant statutory financial statements strictly adhering to IFRS and GAAP standards. ✅ System Architecture & Tech Stack Setup: Deploying and optimizing QuickBooks Online (QBO) Advanced and Xero ecosystems, complete with automated middleware integrations (Stripe, A2X, PayPal, Gusto, Hubdoc). ✅ Catch-up Accounting & Historical Clean-ups: Executing deep forensic reconciliations

I'm the development consultant and owner's rep who keeps your returns in mind for every decision. Developers and sponsors hire me to underwrite the deal, build and validate the budget, and take the lead during construction - and because I model an asset's IRR, I recalculate what each CO, cost overrun, and schedule slip does to your return and how we can mitigate it. Most owner's reps and cost consultants can tell you what something costs. Very few can tell you what it does to your equity multiple. I do both. 10+ years of experience bridging construction and CRE finance: - $1.2B+ in CRE transactions underwritten across 90+ multifamily, industrial, hospitality, and retail deals - $551M+ in construction cost estimates produced across all design phases - $110M+ in development loans monitored for draw management and budget oversight - AI and automation workflows that turn cost, schedule, and draw data into live reporting and on-the-fly return updates 100% Job Success | Top Rated Plus | USC Viterbi School of Engineering & USC Real Estate Finance & Development My background is unusual for this space. I started in construction - estimating $295M+ in projects at Swinerton, California's largest general contractor - then moved into CRE finance and development advisory. So I don't just model deals; I know what it actually costs to build them, where they go over budget, and how to keep construction on track once your capital is deployed. That's the whole point of how I work: the underwriting, the budget, and the field are one continuous loop, and your return is the number that drives every call I make on your behalf. I work across the full development lifecycle, structured around who you are and what you need: FOR DEVELOPERS & SPONSORS: - Acquisition underwriting and pro forma development (multifamily, industrial, hospitality, retail, mixed-use) - Development feasibility and early budgeting, with returns modeled - Conceptual and detailed construction cost estimating across all design phases - GC selection support, bid leveling, and value engineering - Fractional PM / Owner's Representative during active construction - run against your pro forma, with IRR and cash-flow impact recalculated as costs and schedule move - Change-order and budget review that reports cost, schedule, and return impact together FOR INVESTORS & FAMILY OFFICES: - Institutional-grade underwriting with detailed sensitivity analysis - Acquisition due diligence - financial and physical - Market and site feasibility studies - Custom financial modeling across all major CRE asset classes FOR LENDERS & CREDIT FUNDS: - Construction draw monitoring and fund control - Independent budget review and cost validation - Pay application analysis and construction progress verification - Rolling 12- and 18-month capital projection modeling - Pre-close construction due diligence FOR GENERAL CONTRACTORS & CRE FIRMS (AI & AUTOMATION): - Workflow automation and custom AI agents using Power Automate, Zapier, and Claude. - Procore, Monday..com, and Acumatica optimization - Dashboard and reporting buildout across estimating, PM, and accounting - Process audits and team training to cut manual work WHAT CLIENTS SAY: "Rod delivered a solid underwriting model and cost analysis that gave me a clear baseline for evaluating the project. His work was well organized and assumptions were transparent." - CRE Developer, Mixed-Use Feasibility "Very experienced construction professional... Would highly recommend due to Rod's integrity, follow-through, professionalism, and being a pleasure to work with." - Owner, Construction Administration "Rod did a terrific job for us in helping set up systems and processes to better manage our construction and capital draw oversight." - Managing Partner, CRE Credit Fund "Excellent SME who provided a lot of great insight into our industry. Will hire again when we have need." - Proptech Founder BACKGROUND: Before consulting, I spent 3.5 years at Swinerton Builders estimating and scheduling projects from $2.5M to $200M - new hospitals, high schools, retail, and parking structures - and earned two Swinerton Excellence Awards for bringing major healthcare builds in under budget. I hold a B.S. in Civil & Structural Engineering from USC. Based in Austin, TX, available for both project-based and ongoing engagements, and I reply to most messages within a few hours. Ready to discuss your next deal, project, or technology initiative? Send me a message! Rod Malyshev