Took a DTC health brand from a $2.9M annual loss to beating a cash-positive plan in two years. When their dashboards said CAC had tripled to $900, I went into the raw data and proved the real number was $472, which saved the channel and the year. I'm a fractional CFO for DTC, subscription, and Amazon brands doing $3M–$25M. My edge: I don't sit on top of dashboards. I go into the raw data myself (Shopify exports, ad platforms, 3PL invoices, cohort tables) and find where your numbers have drifted from reality. Every brand has at least one number that's lying to it. Finding it is usually worth multiples of my fee. What I do: 1. Growth and marketing finance. Channel-level unit economics, blended LTV-to-CAC ceilings, marketing mix modeling, Amazon vs DTC spend allocation, retention cohorts. I sit between you and your media buyers and make sure every dollar can be defended on the P&L. 2. Subscription economics. Most subscription brands are SaaS businesses measured with e-commerce math. Rebuilding one brand's finances around cohorts, LTV payback, and retention is what turned that $2.9M loss around and cut blended CAC roughly 25%. 3. Ecom-native FP&A. 13-week cash forecasting tied to inventory cycles and ad spend, scenario modeling for launches and peak season, KPI dashboards your team will actually use, clean monthly close. 4. Investor readiness. Board materials, valuation analysis, deal structuring. I led due diligence at a UK investment agency that took equity on my recommendations: 22 calls, publicly scored, including the one I got wrong. I know what investors will dig into because I was the one digging. 5. AI-native by design. I build Claude-based agents for transaction categorization, anomaly flagging, and forecast updates. You get senior CFO judgment plus automation, at the cost of neither. Background: MBA from IESE Business School, engineering by training. 120+ early-stage companies on the fundraising side through TribeFirst due diligence and Bitcoin Startup Lab pitch coaching. I've run finance for brands selling on Amazon and own-channel DTC, so I understand the tradeoffs between the two. If your finance function can't give you a straight answer to "is this growth profitable and can we afford it," let's talk. 30 minutes, I'll look at your numbers and tell you where I'd start.

As a CFO an Modeling expert, I can help you design comprehensive models and strategic planning tools to enhance business performance. I have experience in big companies as well as small, medium and startups. I am just starting in Upwork so interested in getting some experience here. That's why I am offering a discounted hourly rate. I have experience developing projects in several countries in south america and the US, through multiple industries. Whether you need to evaluate business scenarios, assess company value, or integrate external data for informed decisions, I am here to support your financial goals. Even for your personal financial goals! I have worked for PwC, financial startups, insurance distributors, and my own medical startup. So I am familiar with diverse industries. Feel free to reach.

𝗥𝗲𝘀𝘂𝗹𝘁𝘀-𝗗𝗿𝗶𝘃𝗲𝗻 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗖𝗼𝗻𝘁𝗿𝗼𝗹𝗹𝗲𝗿 | 𝗙𝗿𝗮𝗰𝘁𝗶𝗼𝗻𝗮𝗹 𝗖𝗙𝗢 | 𝗦𝗲𝗻𝗶𝗼𝗿 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁 | 𝗩𝗶𝗿𝘁𝘂𝗮𝗹 𝗔𝘀𝘀𝗶𝘀𝘁𝗮𝗻𝘁 𝘄𝗶𝘁𝗵 𝟵+ 𝗬𝗲𝗮𝗿𝘀 𝗼𝗳 𝗘𝘅𝗰𝗲𝗹𝗹𝗲𝗻𝗰𝗲 𝗪𝗲𝗹𝗰𝗼𝗺𝗲 𝘁𝗼 𝗠𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗪𝗼𝗿𝗹𝗱 𝗪𝗵𝗲𝗿𝗲 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝗠𝗲𝗲𝘁𝘀 𝗣𝗿𝗲𝗰𝗶𝘀𝗶𝗼𝗻 Hello, I'm Saira Tehmin 😊 , a highly skilled Financial Controller, CFO, Senior Accountant, and Virtual Assistant with over 9 years of hands-on experience supporting businesses across industries from Accounting and CPA firms to eCommerce, Real Estate, IT, and Law Firms. As a Senior Financial Controller and Virtual CFO, I turn complex financial data into crystal-clear, actionable insights. I don’t just balance books I build systems that drive smarter decisions, improve profitability, and keep your business audit-ready. I proudly serve clients in the United States and across the globe, adapting to your time zone and compliance needs with ease and precision. ✅ 𝗠𝘆 𝗘𝘅𝗽𝗲𝗿𝘁 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀 𝗮𝘀 𝗮 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗖𝗼𝗻𝘁𝗿𝗼𝗹𝗹𝗲𝗿 | 𝗖𝗙𝗢 | 𝗦𝗲𝗻𝗶𝗼𝗿 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁 | 𝗩𝗔: ✔️ Financial Reporting & Strategic Insights ✔️ Budgeting, Forecasting & Cash Flow Management ✔️ Tax Preparation, Planning & Compliance ✔️ Payroll, AP/AR Management ✔️ Monthly Bank & Credit Card Reconciliation ✔️ Inventory Management & Cost Accounting ✔️ Financial Analysis & KPI Development ✔️ Audit Preparation & Regulatory Reporting ✔️ Business Process Optimization ✔️ Financial Modeling & Dashboards ✔️ QuickBooks Online, NetSuite, Xero, ZohoBooks, Sage & Wave ✔️ CRM Integration & Donor Accounting (for Nonprofits) ✔️ Virtual Financial Assistance & Admin Support Whether you need a Fractional CFO for strategic planning, a Senior Accountant for clean monthly books, or a Virtual Assistant for ongoing financial admin, I provide dependable, detail-focused support designed to elevate your operations no matter where you're located. 𝗪𝗵𝘆 𝗖𝗵𝗼𝗼𝘀𝗲 𝗠𝗲? 1- Proven track record as a Financial Controller and CFO for fast-growing and global businesses 2-Skilled at turning financial data into business decisions that drive growth and confidence 3-Tech-savvy with expertise in modern cloud-based accounting tools and automation 4-Committed to data security, clear communication, and consistent delivery Let’s collaborate to simplify your finances, boost profitability, and bring structure to your success. Whether you're a startup seeking clarity or an established company preparing for scale I’m here to help as your trusted Financial Controller, Senior Accountant, or Virtual CFO. Let’s connect and build financial confidence no matter where your business is based! Warm regards, Saira Tehmin Financial Controller | CFO | Senior Accountant | Virtual Assistant

Hello, I am Atish ! An Indian CPA (ICAI) and Australian CPA (CPA Australia) with 15+ years of international finance leadership experience across India, the Middle East, and APAC. I specialize in bookkeeping, financial reporting for US-incorporated companies & subsidiaries, FP&A, and Virtual CFO advisory, helping businesses maintain accurate records, optimize cash flows, and stay compliant with global accounting standards. 💼 What I Bring to the Table 📊 Full-cycle bookkeeping & reconciliations (QuickBooks, Xero, Zoho, SAP, Oracle) 🌍 Multi-entity consolidation & statutory compliance (US GAAP, IFRS, GST, VAT, MSME) 📈 FP&A, financial modeling & strategic decision support 💰 Treasury & cash flow management (Managed $300M+ annually) 🧾 Audit & governance expertise (Big 4 coordination & compliance) ⚙️ Entity setup, ERP implementations & process optimization 🚀 Career Highlights 🏢 Managed finance operations for 50+ entities across 8 countries (Disney India, 21st Century Fox India, Star India Group) 🌏 Handpicked to lead Middle East & APAC finance teams during organizational transitions 📺 Launched a new TV channel in Africa and set up a VFX subsidiary in India from scratch 📑 Delivered statutory audits aligned with Big 4 standards 🔍 Conducted financial analysis & fraud investigations for large corporate clients at KPMG India 🎯 My Edge I combine technical accounting discipline with strategic business insight, ensuring finance functions as a true business enabler-not just a compliance requirement. Whether it’s cleaning up messy books, building investor-ready financials, or guiding long-term financial strategy, I bring CFO-level expertise with a hands-on execution mindset.

🌟 Top-Tier Accounting & Business Professional | 16+ Years of Expertise in Finance, Operations, and Strategic Planning Hello! I’m John Paul De Luna, and for the past 16 years, I have built a strong and comprehensive background in accounting, finance, and business management across various industries. I provide clients with accurate financial data, insightful analysis, and dependable support to help them make informed decisions and grow their businesses. 💼 Strong Accounting & Finance Expertise I specialize in a wide range of accounting and financial services, including: - Full-cycle bookkeeping - Accounts receivable & accounts payable management - General ledger maintenance - Bank & account reconciliation - Month-end and year-end closing - Accounting System Clean-up - Financial Statement preparation (Balance Sheet, Income Statement, Cash Flow Statement) - Managerial reporting and performance dashboards - Budgeting, forecasting & financial projections - Ratio analysis, variance analysis & cost-benefit analysis I have worked with businesses ranging from $1,000 monthly revenue to $1M+, allowing me to adapt to different business structures, workflows, and financial complexities. 📊 Business Strategy, Planning & Operations Beyond accounting, my experience extends to the finance, marketing, and operations functions of different companies. I have written professional business plans for a wide variety of industries, including: - Health & Wellness - Software/Tech - Coffee and Food Businesses - Airline & Travel - Construction - E-commerce / Online Business - And many more These experiences have strengthened my understanding of business models, market positioning, operational strategy, and financial feasibility. 🌍 Strong English Communication + Teaching Experience I also have a background in teaching English to international learners, which has helped me develop: - Excellent written and verbal communication - Clear and professional reporting style - Ability to explain financial data in ways clients easily understand This combination of business expertise and strong English proficiency allows me to communicate effectively with clients, deliver detailed documentation, and collaborate smoothly across cultures. 💡 What You Can Expect From Me - High-quality and accurate output - Professionalism, responsiveness, and reliability - Fast turnaround times - Clear communication and client-focused service - Commitment to excellence and continuous improvement I am seeking opportunities that will allow me to further enhance my craft while providing outstanding service to clients who value quality and expertise. If you need an Controller, CFO, Accountant, Analyst, or Business professional who brings experience, versatility, and strong analytical skills, I would be glad to work with you. Let’s build something great together.

Taxes are the largest lifetime expense for most every person in the U.S. The government gets you in so many different ways: sales taxes, income taxes, employment taxes, real estate taxes, and, if dying wasn’t hard enough, they hit you with estate taxes. Why not have an expert in your corner to help ease the pain? I have a decade of accounting and tax experience. I’ve helped people from all walks of life: your average Joe down the street to people in the nine figure club. Small business, big business, you name it. If you need assistance with business structuring, tax planning, advisory, or even just help with filing your taxes, I can assist you. I promise to help you understand your tax situation and know the steps to make it better and more efficient!

I am a seasoned financial executive with broad experience in tax strategies, finance, accounting, financial services and writing-somewhat a jack of all trades. I hold a Masters in Business Administration (M.B.A.), with a concentration in tax and finance, while boasting experience across various industries, including, but not limited to, energy, real estate, e-commerce, and technology. I have served as the CFO of two start-up companies and am very well versed in financial modeling, forecasting, budgeting and reporting as well as putting together information memorandums and pitch decks on businesses. I have an extensive knowledge of tax strategy, planning and preparation which focuses on minimizing federal, state and local tax liabilities while utilizing tax deferral strategies. I have over 15 years of tax experience dealing with partnerships returns, corporate returns and individual returns. In regards to financial writing, I have written articles for a layman to understand, as well as scholarly articles. I wrote the content for the Deutsch Bank Asset Management db-trackers ETF section as well as wrote an examination and study book for asset managers to be certified in the field of exchange traded funds. I have been published in various arenas such as Yahoo Finance, The Street, WSJ and Seeking Alpha. I am able to work efficiently, effectively and independently. I respect deadlines and quality work as that both of these things support my service’s worth. My goal is to ensure that my employer or client is satisfied with my work. Thank you and I look forward to working with you.

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.

I love entrepreneurs and working in entrepreneurial environments. I've written over 50 business plans, created pitch decks and developed financial models for ventures across multiple industries which have helped raise over $100 million in funding. Through this experience, I have gained a strong understanding of what investors look for when making a decision and the types of questions that must be addressed in order to secure funding. My experience is not limited to consulting. I've helped start 14 companies, one of which was a finalist in the TechCrunch disrupt competition, four have exited. I hold an MBA in finance from Thunderbird School of Global Management -- ranked #1 in the world for Global Business. And I have used my experience to help others as a Professor of Entrepreneurship to Master's-degree candidates. I also volunteer my time as a mentor to startup entrepreneurs at two accelerator programs. I have been a published author since 2001. This includes having collaborated on three books on entrepreneurship, one of which sells over 1 million copies and another that President Bill Clinton wrote the forward to. I enjoy working for clients that want to have a major impact on the world. ABOUT MY WORK My work has been profiled in The Washington Post and Investor's Business Daily. Additionally, my client work has been the subject of an episode on The Simpson's and featured in a song by a Platinum-award winning country music artist. Clients that I have advised include the following industries: Alcohol, Cannabis, Big Data, Artificial Intelligence, Retail, AR/VR, mobile, gaming, construction, agriculture, social networking, data security, consumer food products, entertainment and enterprise resource planning.

⭐⭐⭐⭐⭐ I help startups and scaling businesses gain financial clarity through hands on Fractional CFO support, practical financial planning, and clear reporting. My focus is on helping founders understand their numbers, get their financial systems in order, plan for growth, and prepare confidently for fundraising or the next stage of scale. 🎯 Skills & Expertise • Fractional CFO services for startups and SMBs • Budgeting, forecasting, and financial planning • Cash flow management and projections • Ecommerce financial metrics and unit economics • Financial systems setup and integration (Xero, Quickbooks, Unleashed, Fathom) • Business plans and financial models for fundraising • Market analysis and performance reviews • Inventory and operations finance support • Business and process audits 📌 Experience I have spent the past five years working as a fractional CFO for startups and ecommerce businesses, leading all aspects of finance and supporting founders through growth and fundraising stages. My background includes financial planning, budgeting, forecasting, and building investor ready models that align with real operational performance. I bring strong experience in ecommerce finance and operations, having previously worked as a Finance and Operations Director. I have managed inventory planning, stock control, cost of goods sold, replenishment cycles, and logistics finance. This gives me a practical understanding of how financial decisions impact day to day operations. I regularly work with FMCG, hospitality, and tech businesses that need clearer financial direction, stronger reporting, and a reliable finance partner without hiring a full time CFO. My approach is collaborative, structured, and focused on helping founders make better decisions with confidence. Previously to working with small businesses, I used to work at Pepsico for 3 years, and Procter & Gamble for 10 years. ✅ Why Work With Me • Practical fractional CFO support tailored to growing businesses • Strong experience in ecommerce finance and operations • Clear financial models and reports founders can understand • Fundraising focused planning and investor ready outputs • Hands on support across finance, strategy, and operations Keywords: fractional CFO for startups, startup CFO services, virtual CFO for small business, part time CFO services, CFO services for founders, fractional finance director, CFO for early stage startups, startup financial strategy, CFO for SaaS startups, budgeting and forecasting services, cash flow forecasting for startups, startup financial forecasting, business budget creation, rolling forecasts, cash flow management for small business, financial projections for startups, monthly cash flow reporting, financial model for fundraising, investor ready financial model, pitch deck financials, business plan financials, Xero, Unleashed, financial systems, chart of accounts setup, reporting, Fathom