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BeFluentInFinance.com is a financial media company that publishes financial news and educational content. Our website, blog, newsletter, and 1 million+ social media followers allow us to reach millions every week across platforms. We generate over 200 million monthly impressions.

Our mission is to make personal finance, investing and financial wellbeing accessible for everyone.

Fluent in Finance simplifies complex financial topics into engaging, accessible content for diverse audiences. My aim is to educate and empower people by making intricate financial concepts understandable.

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

With a proven track record, Fluent in Finance has gained recognition from leading publications including The Wall Street Journal, Forbes, TIME, Fortune, Inc. Magazine, Business Insider, CBS, NBC, FOX, Nasdaq and more.

Join us in our goal to educate and empower the world on their path to financial success!

Founder & Writer

Fractional CFO Solutions

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

In 2023, our clients are on track to collectively generate 8-figure 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 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.

Vice President, 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, Finance/ Accounting/ FP&A

Amalgamated Bank

As Vice President 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.

Vice President, Head of Financial Reporting & Accounting Policy

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, Finance/ Accounting

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

I 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

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

Finance Ops

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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 currently own and operate a HoldCo and am an advisor and angel investor to several startups and small businesses.

I've built a community of 2 million followers across social media platforms, with over 500 million impressions per month. 

I am a long-term investor, an event-driven swing trader, and a personal finance enthusiast. 

My insights and advice have been featured in the Wall Street Journal, Forbes, Fortune, Business Insider, and Yahoo Finance.

I write TheFinanceNewsletter.com for 50,000 subscribers.

This is so true.

Agree?

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Andrew Lokenauth

I write TheFinanceNewsletter.com for 90,000 subscribers ➖ Follow to get smarter with your career, finances, and life ➖ 15yrs in finance helping 2 million+ followers

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Want to become a millionaire? 

Here's the easiest way:

• A Roth IRA lets you save money that grows TAX-FREE forever
• The max you can put in is $7,000 per year (for 2024)
• That breaks down to:
  - $585 per month
  - $135 per week
  - Just $20 per day 

Think about this:
If you invested $7,000 yearly for 30 years (with a 7% return), you'd have over $1 million tax-free! 

Here's why Roth IRAs are great:
• You pay taxes now (when you're in a lower tax bracket)
• The money grows tax-free
• You pay NO TAXES when you take it out in retirement
• You can take out what you put in anytime with no penalty
• It's super easy to open one (Fidelity, Vanguard, or Charles Schwab)

Did you know? 
Only 12% of Americans have a Roth IRA. 

The best part? 
You can start small. Even $50 a month helps. The key is to start NOW.

Let me know if you want more details. 

P.S. The earlier you start, the more your money grows. That's the magic of compound interest!

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70% of lottery winners go broke

33% file for bankruptcy

Many face robbery, death threats, or worse

Here’s your step-by-step survival guide.

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7 Tips to Protect Your Money

The 3 Financial Statements:

1. Income Statement:

• Shows how much money you made
• Shows what you spent
• Shows what’s left over

2. Balance Sheet:

• Lists everything you own
• Lists everything you owe
• Shows your net worth

3. Cash Flow Statement:

• Shows where your money came from
• Shows where your money went
• Shows how much cash you have left

Simple Tips to Remember:

• Income Statement = Money In vs Money Out
• Balance Sheet = Own vs Owe
• Cash Flow = Money Movement

Example:
Let’s say you run a lemonade stand:
- Income Statement shows you made $100 selling lemonade
- Balance Sheet shows you own a $50 lemonade stand
- Cash Flow shows you spent $30 on lemons and cups

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Financial Statements

This week’s recap.

What do you think?

I’ll explain everything you need to know, plus what I’m investing in, insider trades, interest rate predictions, housing market updates, technical analysis, and more in today’s newsletter.

Join 90,000 and read it now at TheFinanceNewsletter․com!

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