We give established owners senior financial leadership month to month — clarity on cash, a real banking strategy, and the judgment to act before the numbers force your hand.
You don't need a full-time hire to get the thinking of one. We step in as your fractional CFO and own the financial side of the business, so you can run the rest of it.
A rolling 13-week forecast, free cash after obligations, and runway — so you always know what's truly spendable.
Forward financial models and scenario planning that turn "what if" into a number you can plan around.
Lender-ready financials, the right facility at the right time, and relationships managed as a strategic asset.
Board- and lender-ready reporting every month, plus a recorded walkthrough of your dashboard and statements.
Pricing, cost structure, and unit economics examined so a good month on paper is a good month in the bank.
401(k), healthcare, and owner compensation structured for tax efficiency — coordinated with your CPA, not in place of one.
Retirement plan design — 401(k), profit-sharing, and defined-benefit structures — plus key-employee retention tools that reward the people who grow the business.
Coordinating the profit the business throws off with a disciplined plan to build personal wealth — tax-aware, structured, and built to compound.
Turning built wealth into income and legacy — drawdown strategy, succession, and transferring what you've created on your terms.
Most owners meet their bank only when they need something, from a position of weakness. We do the opposite: we build the relationship deliberately, on your terms, so capital is there before you need it.
We build the story a bank needs to see — clean books, a clear cash position, and credible forecasts — so you approach lenders ready to ask for financing, not reacting under pressure.
We take that story to market — approaching several banks at once for competing quotes and managing the underwriting process in parallel, so you choose from real offers side by side.
We manage the financing and relationships you've secured, keep facilities working in your favor, and pursue opportunities to expand the relationship as the business grows.
Every engagement is anchored by a live dashboard, refreshed and walked through each month on a recorded video. Two of the views your business can grow into:
Cash and profit on one screen — the 13-week forecast, P&L measured against budget, the cash waterfall, and AR/AP at a glance.
The full view — live scenario levers, board- and lender-ready detail, AR/AP aging, bank accounts, and cash-cycle metrics.
For more than thirty years, Paul has worked at the intersection of accounting and banking — first inside the institutions, then on behalf of the owners who deal with them. He spent years at Citibank/Citigroup before founding his own CPA practice, building a career across commercial banking and lending, mergers and acquisitions, and tax and advisory work for high-net-worth families and business owners.
What sets Paul apart from the average CPA is the banking side of his résumé. He has helped clients secure SBA, commercial, and construction financing, structured lines of credit, and guided companies through expansions and transactions — so he reads a deal the way a lender does. He earned undergraduate and graduate degrees in accounting and taxation from St. John's University and holds the CPA and MBA along with Series 7 and 63 licenses.
He leads Banking Committee work at the New York State Society of CPAs, has served as an adjunct professor at NYU, sits on the U.S. District Export Council of New York, and stays active across the region's capital and venture community. He treats every client as a partner — not an account.
Paul brings more than fifteen years of advising business owners and high-net-worth families on the decisions that compound over time. As an Accredited Investment Fiduciary, he holds himself to a disciplined, objective standard — and focuses on what too many overlook: tax efficiency, structure, and the long view. Through Okos Financial Group's concierge wealth management, he connects the CFO work on your business to the strategy for the wealth it creates.
A short call to understand your business and where it's headed — no pitch, no obligation. If we're a fit, you'll feel it.
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