FRACTIONAL CFO | CORPORATE FINANCE | MANAGEMENT CONSULTANT
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Fractional CFO and Management Consultant in Toronto, ON
Overcome financial challenges, achieve growth, and manage your projects better with services from The P49 Agency Group. I am Angelo Pizzuto, MBA, the company’s CFO and founder. I am an experienced fractional CFO assisting various companies: covering Toronto, Ontario, Canada, the US and international regions. With expertise in corporate finance and management consulting, I am here to help you get the access, capital, and strategies your business needs to become more competitive and successful.
Contact me to learn more about my company and services.
Definition of an Agency versus Consulting
a·gen·cy
An agency is a business established to provide a service that typically involves organizing transactions between two other parties. It can also refer to the human capacity to influence one's functioning and events through actions. There are four functions through which human agency is exercised. One such function is intentionality. People form intentions that include action plans and strategies for realizing them.
P49 deliberately creates tailored action plans and strategies for your business to help you achieve your unique goals.
P49 deliberately creates tailored action plans and strategies for your business to help you achieve your unique goals.
Purpose Statement:
- Love all, trust a few, and do harm to none… this, above all else, to thy own self is true.
- Continue to change the narrative, fight the “right” fight and value the small wins.
- Acknowledge limitations and mistakes by me, by all.
- Nurture without walls.
- All clients/projects get “triaged-sized-up,” so I have an idea of what the “ask is” and what the “ask should be.”
- Be supportive.
- Be ethical and accepting of others.
- Be humble.
- Be present and listen.
- But most of all, enjoy the journey with open eyes, a fun spirit, and a positive sense of adventure.
The Three Pillars of the Business
Fractional CFO | Access
While many financial professionals, such as bookkeepers, accountants, and controllers, are tasked with keeping past and current finances organized and well-documented, a fractional CFO is also focused on the future.
As a fractional CFO, I partner, fill in, and mentor in various capacities.
A standard definition or consolidation of what perhaps is already out there:A fractional Chief Financial Officer (“CFO”): provides services for organizations in a part-time, retainer, or contract arrangement. This offers a company the experience and expertise of a high-end CFO without the in-house cost—salary, benefits, and bonuses—of a full-time CFO. Depending on the size of the company, we can bridge a gap within the organization: an expert finance and strategic business partner.
With a short-term (next 90 days), mid-term (rest of this year), and long-term (next 3-5 years) view of the business, a company can better anticipate its trajectory and cash position or requirements. As a result, we can make it easier to manage through the lean times, help determine when and how to secure loans or investments, anticipate future owner compensation or succession planning, and help plan and prioritize future business decisions such as staffing, production, business mentorship, and geographical expansion.
We will work with the client’s law firms, who will have outlined compliance requirements: knowing and understanding the legislation that applies to the organization and demonstrating that the business and its entities always comply:• Keeping records: as part of an organization's life cycle.• Having policies and procedures in place around legislation.• Retaining evidence that the right people are taking responsibility for compliance.Simply put, organizations can mitigate risks with an effective compliance program.
While many financial professionals such as bookkeepers, accountants, and controllers are tasked with keeping past and current finances organized and well-documented, a fractional-CFO added focus is on the future: they partner/fill in/mentor in various capacities. More specifically, what does a Fractional CFO do for a Company?• A good resource for Private Equity and/or Venture Capital firms.• Most commonly, partner with companies to help overcome financial challenges, achieve growth, optimize strategy, implement systems, raise capital, or navigate an audit/transaction/project.• Become part of your team and help you navigate the complexities of business and drive sustainable profit growth.• Often brought into an organization when there are financial challenges that the company's existing team needs to have the skills or workforce to overcome. In many cases, a company needs an in-house CFO. In some cases, however, the company may have an existing CFO. The fractional CFO acts as a partner or advisor or helps lead separate projects such as raising capital or navigating an audit.• Help determine how to get you from where you are to where you want to go. Growing a business requires strategic use of capital. Therefore, one of their most important contributions will be providing a financial forecast that will act as a blueprint to achieve growth in the most efficient, accelerated, and sustainable way possible. • Financial planning and analysis (FP&A) is a set of planning, forecasting, budgeting, and analytical activities that support a company's principal business decisions and overall financial health - Develop detailed short-, mid-, and long-term financial forecasts.• Compliance – ASPE/GAAP/IFRS/SOX, understanding compliance requirements with your legal advisor. There is also a fundamental swing in sustainability, ESG, diversity and inclusion that has to be laid as a foundation for all companies in the future.• Innovate and upgrade monthly financial reporting. Report on relevant, insightful KPIs covering finance and business operations: monthly/quarterly/annual statements, AP/AR reporting, project reconciling, project profitability, and Finance-Operations Quality Management.• Scale a business, ensuring profitable growth as the company becomes more complex. This work involves reinventing the business's tools, processes, and vendor relationships to deliver value to an ever-growing and increasingly diverse set of customers.
With a short-term (next 90 days), mid-term (rest of this year), and long-term (next 3-5 years) view of the business, a company can better anticipate its trajectory and cash position or requirements. As a result, we can make it easier to manage through the lean times, help determine when and how to secure loans or investments, anticipate future owner compensation or succession planning, and help plan and prioritize future business decisions such as staffing, production, business mentorship, and geographical expansion.
We will work with the client’s law firms, who will have outlined compliance requirements: knowing and understanding the legislation that applies to the organization and demonstrating that the business and its entities always comply:• Keeping records: as part of an organization's life cycle.• Having policies and procedures in place around legislation.• Retaining evidence that the right people are taking responsibility for compliance.Simply put, organizations can mitigate risks with an effective compliance program.
While many financial professionals such as bookkeepers, accountants, and controllers are tasked with keeping past and current finances organized and well-documented, a fractional-CFO added focus is on the future: they partner/fill in/mentor in various capacities. More specifically, what does a Fractional CFO do for a Company?• A good resource for Private Equity and/or Venture Capital firms.• Most commonly, partner with companies to help overcome financial challenges, achieve growth, optimize strategy, implement systems, raise capital, or navigate an audit/transaction/project.• Become part of your team and help you navigate the complexities of business and drive sustainable profit growth.• Often brought into an organization when there are financial challenges that the company's existing team needs to have the skills or workforce to overcome. In many cases, a company needs an in-house CFO. In some cases, however, the company may have an existing CFO. The fractional CFO acts as a partner or advisor or helps lead separate projects such as raising capital or navigating an audit.• Help determine how to get you from where you are to where you want to go. Growing a business requires strategic use of capital. Therefore, one of their most important contributions will be providing a financial forecast that will act as a blueprint to achieve growth in the most efficient, accelerated, and sustainable way possible. • Financial planning and analysis (FP&A) is a set of planning, forecasting, budgeting, and analytical activities that support a company's principal business decisions and overall financial health - Develop detailed short-, mid-, and long-term financial forecasts.• Compliance – ASPE/GAAP/IFRS/SOX, understanding compliance requirements with your legal advisor. There is also a fundamental swing in sustainability, ESG, diversity and inclusion that has to be laid as a foundation for all companies in the future.• Innovate and upgrade monthly financial reporting. Report on relevant, insightful KPIs covering finance and business operations: monthly/quarterly/annual statements, AP/AR reporting, project reconciling, project profitability, and Finance-Operations Quality Management.• Scale a business, ensuring profitable growth as the company becomes more complex. This work involves reinventing the business's tools, processes, and vendor relationships to deliver value to an ever-growing and increasingly diverse set of customers.
FRACTIONAL CFOs basic framework | The why or so what moment |
COST SAVINGS with an ROI perspective | Part-time or project based: daily, weekly, monthly or annual options. |
EXPERTISE AND EXPERIENCE | Strategic financial advice, manage risk effectively, improve financial operations, manage risk |
FLEXIBLITY | Hire on an as-needed basis allowing businesses to adjust their financial support as their needs change |
OBJECTIVITY | Brings objective perspective to financial decision-making providing unbiased analysis |
TIME SAVINGS | Allows business to concentrate on other areas like sales and marketing |
ACCESS TO OTHER RESOURCES | Wider network including industry contacts, financial tools |
SCALABILITY | Can scale services as businesses grow to meet changing needs |
Corporate Finance | Capital
All corporate organizations need to have objectives for corporate financing to optimally utilize available finance and maximize profit earnings and stock valuations. The objectives help investors/shareholders get the best returns for their investments.
Some fo the key objectives are:
Some fo the key objectives are:
- Income Margins
- Sales and Promotions
- Financial Reporting Systems
- Expense Review
- Finding Cash (Debt and Equity)
Management Consultant | Strategy
I am working on my Certified Management Consultant (CMC) certification to provide you with even better services. The CMC is an international certification recognized in over 40 countries. Having the certificate is an investment that will allow me to assist you in the six functional areas of organizational management:
- Human Resources
- Strategic Planning
- Finance
- Operations
- Information Technology
- Marketing
Why You Should Choose Me
Team Player
At the beginning of the pandemic, I returned to school and completed my MBA at Ivey-Exectuive Program-UWO to integrate my business acumen with academics. Its timing positioned me to deal with business and people during a fascinating economic period.
I built my firm on partnerships with other advisors, understanding that even as a subject matter expert, I need to look to others and help in the life journey of any organization
Experienced and Knowledgeable
I have experience working with a variety of firms: be they audit/consulting, legal, Venture Capital, Private Equity or family offices. I came from the private entrepreneurial world where cash is king, executing strategiesand use the tools at hand to do it with no more, hopefully, less.
I understand businesses that live outside the box rather than within the framework of where most consultants are geared to. I am multidimensional.
Driven Mentor and Coach
I have mentored, coached, and developed my clients and peers. My MBA enhanced the opportunity to extend my knowledge and expertise to the next generation of leaders. In my class, I worked closely with a team of professionals, reinvigorating my desire to assist individuals and businesses. I always appreciate education, and I understand building relationships in any form: a community.
All clients/projects get “triaged-sized-up,” so I have an idea of what the “ask is” and what the “ask should be.”
I understand that I cannot own my environment but be a part of it, where I can perform my role for its growth and, sometimes, survival.
“To drink the Kool-aide but not get drunk on it.”
Shared Services with Trusted Friends – The P49 Group “Ecosystem”
Classmates
Name | Company | Business | Website | Contact Information |
Sarah Queale | Synergy Tax & Business Solutions Inc. | Entrepreneur | Fractional CFO | Business Leader | 20 Under 40 Recipient | https://www.synergytbs.com/ | info@synergytbs.com |
Andrew Merritt | Sales Maverik Inc. | Sales and Business Development | https://www.salesmaverick.com/ | andrew@salesmaverick.ca |
Brahim Slama | Cibus Brothers Inc. | Trade Marketing and Sales Strategy | https://www.cibusbrothers.com/ | info@cibusbrothers.com |
On Request | Agility/Change Management/PR | |||
On Request | ESG | |||
On Request | Legal – Compliance | |||
On Request | HR and Payroll |
Professionals/Advisors
Name | Company | Business | Website | Contact Information |
Patricia Fernando | Blue Lagoon | Bookkeeping Services | https://www.bluelagoonaccounting.com | bluelagoonacc@gmail.com |
Chad Johnson | Net Impact Consulting | IT and Networking | https://www.nimpact.com | info@netimpactconsulting.com |
Contact Me - using the information below to help
TYPE OF BUSINESS - STANDARD DEFINITION
SME stands for small and medium-sized enterprises, also known as mid-market companies; in this case, let’s define by how many paid employees they have and not look at revenue; it can get muddled either way:
S - A small business has one to 99 paid employees:
- Sole/Group Entrepreneurs:
- Start-Ups – who define themselves sometimes as disruptive….but finance should always be stable and understood.
- Small Family Businesses and Family Offices.
- Other Professional Services Firms:
- Bookkeeping Services;
- Legal Firms;
- Clients of these Firms;
- Small Audit Firms;
- Other Fractional CxOs where X can be a C (Compliance), E (Executive), O (Operating), T (Technical), M (Marketing), R (Revenue) or F (Finance).
M - A medium-sized business has 100 to 499 paid employees.
L and or “C-Corp”- A large business with 500 or more paid employees.
Sometimes, companies are defined here but behave like an SME in terms of the company's organizational chart and senior management's roles and responsibilities.
Address99 Yorkville Ave Ste 200, Toronto, ON M5R 1C1
Service AreaToronto, Ontario, Canada, US and International