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Fluent in Finance is one of the largest and fastest-growing financial media and education companies, publishing finance news and content. Our website, blog, newsletter, and 2 million+ followers allow us to reach millions each day, with half a billion impressions each month.

Our insights and advice are recognized by numerous publications such as The Wall Street Journal, Forbes, TIME, Fortune, Inc. Magazine, Business Insider, CBS, NBC, FOX, Nasdaq and more.

We're on a mission to help millions get smarter with money by making financial education more.

Fluent in Finance simplifies complex financial topics into engaging content to help millions get smarter with money. Our goal is to educate and empower millions by making intricate financial concepts easily understandable.

Andrew Lokenauth has 15+ years of experience working across Wall St. and Tech, holding roles at Goldman Sachs, Citi, and JPMorgan. He holds his degree in finance.

Our community is a mix of 6 to 7-figure professionals who are investors, business owners, decision-makers at some of the largest companies, and finance enthusiasts who are interested in building wealth and getting smarter with money.

Beyond publishing, we offer brands and businesses digital marketing and content creation advisory servies. Our team excels at developing custom strategies, social media content, and copywriting that boosts visibility, engagement, and reach for our partners.

We can help create and distribute content, reach new audiences, increase brand awareness, maximize your online presence, spark word-of-mouth conversations, generate sales, and further expand your business.

You can find us by looking up @FluentInFinance on all social networks.

You can reach me at WeCanPartnerTogether@gmail.com

Join us in our mission to educate and empower the World to get smarter with money!

Founder & CEO

Fractional CFO Solutions

As an advisory company, we provide strategic financial and accounting guidance to numerous high-growth startups and tech companies, helping them optimize their strategies and scale successfully.

Our clients are on track to collectively generate 8-figures of revenues. With our clients, who typically generate between $1-5M in annual revenue, we have established a strong track record of achieving key financial goals through data-driven planning, forecasting, cash flow optimization, fp&a, financial reporting and investor management.

Our financial expertise and strategic counsel are instrumental in helping these companies streamline operations, access capital, and unlock rapid growth.

With hands-on support in budgeting, forecasting, investor reporting, M&A and more, we empower leadership teams to optimize financial performance and focus on scaling their business.

We are conveniently located in Downtown Tampa at 512 N Franklin St., Tampa Fl, 33602.

Fractional CFO (Chief Financial Officer)

Signature Bank

I oversaw all aspects of blockchain operations including financial reporting, fp&a, security, infrastructure, and DevOps. I worked closely with compliance leaders to implement rigorous controls meeting financial regulations.

I led an expert engineering and product team to develop industry-leading blockchain capabilities from the ground up. I effectively managed multi-functional agile teams across product, engineering, compliance and operations. This provided our company with a significant competitive advantage.

SVP, Head of Crypto/ Blockchain Operations

Cover Genius

As the first finance hire for Cover Genius in the Americas, I enabled management to make better-informed decisions by turning complex financial data into clear, actionable insights. I played a pivotal role in the company's U.S. expansion, working closely with regulators, insurers, underwriters and sales partners on key finance, accounting and reporting initiatives.

I oversaw all aspects of financial management including monthly reporting, budget analysis, investor presentations, and fundraising support. My experience with M&A activities, due diligence, and scenario planning informed the company's expansion strategy and acquisitions.

To foster continued growth, I incorporated cryptocurrency payment capabilities, built revenue models for new products, and led system implementations and team development.

Overall, I leveraged my finance expertise to provide strategic counsel and implement transformative capabilities. My leadership and analytical skills were vital in evolving the finance function to meet the company's rapid growth and expansion needs in the U.S. market. I effectively aligned finance priorities with broader corporate strategy to accelerate business results.

Director, Head of U.S. Finance/ Accounting/ FP&A

Amalgamated Bank

As SVP and Head of Financial Reporting at Amalgamated Bank, I played a pivotal role in supporting the bank's growth trajectory including through its IPO and strategic acquisition of New Resource Bank. I built the bank's first 10-K filing after going public and spearheaded the successful launch of WDesk as our enterprise financial reporting system. Through process enhancements and automation, I reduced the accounting close period by several days.

I served as a strategic advisor, providing senior leaders and the Board with clear insights into financial performance to inform planning and investments. My responsibilities included preparing earnings releases, investor presentations, and Board packages as well as conducting analysis on KPI trends and variances. I also drove financial modeling and process improvement initiatives.

In addition, I oversaw all regulatory filings such as 10-Qs, 10-Ks, MD&As and Call Reports. I researched and interpreted complex GAAP guidance to determine proper accounting treatments and footnote disclosures. I also calculated key financial metrics like EPS, NIM and capital ratios to facilitate executive decision-making. My expertise in analytics on loan/deposit portfolios and investments delivered further visibility into performance.

Overall, I leveraged my financial acumen and leadership capabilities to help accelerate the bank's growth while ensuring diligent financial oversight and governance. My commitment to insightful analysis, process excellence and regulatory compliance strengthened the organization's capabilities.

SVP, Head of Financial Reporting & Accounting Policy (interim Controller)

As Vice President, I evaluated overall business performance and conveyed key metrics and insights to executive management to inform strategic decisions. I created detailed financial models to accurately project revenue under various scenarios. Additionally, I automated processes through SQL, Python, and R to optimize efficiency.

A key contribution was leading the successful implementation of Signet, our blockchain-based digital payments platform. I developed financial reporting templates to track cryptocurrency activity, handled required crypto accounting, and ensured adherence to financial regulations.

Overall, I leveraged my analytical skills and technical expertise to provide data-driven intelligence, optimize critical finance functions, implement transformative technologies, and deliver operational efficiency improvements. My work generated actionable insights and enhanced decision-making capability for leadership.

Vice President, Head of FP&A

J.P. Morgan Asset Management

As an Associate, I handled a wide range of banking, credit, treasury and operation responsibilities. I regularly evaluated performance metrics, identified trends through data analysis, and presented key insights to stakeholders to enable data-driven decision-making and support overall business growth.

Specifically, I analyzed complex financial data and created models to assess the potential impact of various business decisions such as new product launches, expansion into new markets, and M&A opportunities for strategic planning.

Additionally, I developed and maintained accurate financial models to forecast revenue, expenses, and profitability under various scenarios. My models provided visibility into future performance.

I provided actionable, forward-looking insights and recommendations to deliver the business intelligence needed by stakeholders to make decisions that accelerated growth.

Associate- Global Wealth Management

The Excel Experts

Sold our company for a 7-figure exit.

We developed efficient workplace tools and optimized workflows through spreadsheets, VBA programming, data organization, and productivity best practices. I provided customized solutions tailored to each client's specific business needs to enhance productivity, efficiency, and competitiveness.

Our all-inclusive training and support services incorporated both onsite and offsite instruction as well as ongoing remote support across the Microsoft Office Suite. This comprehensive approach ensured clients fully leveraged their software capabilities and personnel.

Our clients benefited from streamlined workflows, structured data frameworks, and greater flexibility. For example, we developed a custom inventory management template for a retailer, allowing them to scale operations across 20+ locations. Their newfound agility and organization led to expanded market share and double-digit growth over two years.

Overall, our solutions delivered measurable gains in productivity, efficiency, and flexibility for clients. This enabled business growth, higher profitability, and competitive advantages for the organizations we worked with.

CEO & Co-Founder

As the leader of the investment operations team, I oversaw all aspects of investment analysis and operations. Through conducting an in-depth analysis of our investment portfolio, I evaluated overall performance benchmarks, identified growth opportunities, and surfaced key insights to inform stakeholder decision-making on capital allocation. My work was instrumental in optimizing our investment portfolio performance.

In addition, I provided senior management and key business partners with actionable insights and data-backed strategic recommendations to capitalize on growth opportunities. 

I leveraged financial data and industry knowledge to provide impactful recommendations and strategic counsel to accelerate business growth and results. My commitment to conducting insightful analysis enabled stakeholders to make informed decisions for the organization.

Manager - Investment Ops

Goldman Sachs

Developed financial models, projections, and valuations to assess potential investments, mergers and acquisitions, capital expenditures, and other key business decisions. Additionally, conducted an in-depth analysis of financial statements, trends, and key performance indicators.

Finance Ops

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Hi, I'm Andrew Lokenauth. I love to talk about finance, and as a result over 2 million follow my insights every day on social media.

My insights and advice are recognized in numerous publications such as the Wall Street Journal, Forbes, Fortune, Business Insider, and Yahoo Finance.

My knowledge comes from real-world experiences, including 15 years working across Wall Street, Banking, and Tech, holding roles at Goldman Sachs, CitiBank, and JPMorgan, and earning my degree in finance. 

I leverage my education and professional experience to provide insights into investing and personal finance, helping you become smarter about money and finances. 

I am also an advisor and angel investor to several startups and small businesses. I help clients scale their companies, their leadership, and themselves. Additionally, I own and operate several cash flowing businesses within my personal HoldCo. 

As a speaker, I'm well-positioned to speak about careers, leadership, and finance. I will always deliver a talk that engages and motivates your audience. 

Also, I am a finance writer, long-term investor, and event-driven swing trader.

I write TheFinanceNewsletter.com for 50,000 subscribers — the newsletter that helps you become smarter with your money, career and life. You can read previous issues at TheFinanceNewsletter.com.

You can find me by looking up @FluentInFinance on all social networks.

I'm on a mission to help empower millions, making financial education accessible for free.

I'd love to connect and learn more about how we can work together! Reach me at WeCanPartnerTogether@gmail.com.

How? 

They’re living entirely off long-term capital gains from their index fund portfolio.

Here’s the breakdown:

• The IRS lets married couples pay 0% tax on up to $96,700 in long-term capital gains (2025 rules).

• Plus, they get a $30,000 standard deduction (assuming no other income).
	
• So they can withdraw $126,700 a year, and it’s all tax-free.

Crazy, right?

The tax code favors investors.

And that’s the big takeaway:

The IRS rewards long-term investors.

So if you’re only earning money from a job, you’re likely paying way more in taxes than someone living off investments.

Here’s what to do:

• Start investing early—even a small amount grows big over time.

• Focus on broad, low-cost index funds (like VTI or SP500 ETFs).
	
• Hold your investments—over a year gets you long-term capital gains.
	
• Use tax-advantaged accounts (like a Roth IRA) to build your base.

• Later, live off your gains—and potentially pay nothing in taxes.

It’s not just about getting rich.

It’s about getting smart—and using the system the way it was designed.

Let me know if you want help getting started—I’m happy to share more!

♻️ Repost this to help your friends!

And follow Andrew Lokenauth for more!

Andrew Lokenauth

I write TheFinanceNewsletter.com for 100,000+ ➖ Follow to get smarter with your career, finances, life & habits➖ 15yrs in finance, now helping 2 million+ build wealth

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