Josh Aharonoff, CPA

Fractional CFO | Founder & CEO at Mighty Digits | Follow Your CFO Guy for Finance & Accounting tips!

I build tools that make financial reporting effortless — starting with Model Wiz, the Excel-based FP&A platform used by accounting firms, founders, and CFOs. 

I also teach finance and Excel to a community of 400,000+ across YouTube, LinkedIn, and my newsletter. 

When I’m not creating, I work as a fractional CFO helping companies turn their financial data into action.

Check out some helpful resources here:

🔗 www.modelwiz.com - Get beautiful dashboards + forecast right in your excel file

🔗 www.yourcfoguy.com - Learn Finance & Accounting like you’ve never seen before

🔗 www.mightydigits.com - Get hands on support

CEO and Founder

Mighty Digits is a consulting firm specializing in Accounting and Finance services for early stage startups. Services include Financial modeling, Month end Close, AP / AR Management, Payroll, Compliance Filings and more.

12 Ways to present a P&L

1. 📔 ACCRUAL basis
❔ What it is → showcases income when earned, expenses when incurred
💡 Why it’s valuable → gives you a more practical understanding of what’s actually happening

2. 🤑 CASH basis 
❔ What it is → showcases income when cash is received, expenses when cash is paid
💡 Why it’s valuable → simple to prepare / understand

3. 📂By CLASS
❔ What it is → showcases your activity based off of tags
💡 Why it’s valuable → using tags, you can add a 3rd dimension to your data

4. 🗓️MONTHLY
❔ What it is → showcases your information on a month to month basis
💡 Why it’s valuable → allows you to understand what’s happening over a short time window

5. 🗓️ QUARTERLY
❔ What it is → showcase your information on a quarter by quarter basis
💡 Why it’s valuable → allows you to identify trends & seasonality across the year

6. 🗓️ ANNUALLY
❔ What it is → showcase your information on an annual basis
💡 Why it’s valuable → helpful in seeing where you’ve been, and where you’re going

7. % of REVENUE
❔ What it is → divide each section of your P&L by revenue
💡 Why it’s valuable → helps you understand what are the biggest drivers of your business activity

8. 📁 By CATEGORY
❔ What it is → showcase your P&L based off of cost type, or summary groupings
💡 Why it’s valuable → gives you a zoomed out view of what’s happening, allowing you to drill deeper where necessary

9. 👥 By DEPARTMENT 
❔ What it is → showcase your activity based off of each department’s activity
💡 Why it’s valuable → allows you to understand what area of your business is consuming your resources

10. 🕧 vs LAST PERIOD
❔ What it is → showcases your activity as compares to last period
💡 Why it’s valuable → understand how you are progressing each month

11. ❓ vs BUDGET
❔ What it is → show what happened vs what you thought would happen
💡 Why it’s valuable → gives you confidence & insights into where your assumptions are accurate vs need adjustment

12. 📅 vs LAST YEAR
❔ What it is → compare your results against the same time period last month
💡 Why it’s valuable → allows you to compare seasonality, and how much you’ve grown in 12 months

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Those are my 12 ways to present a P&L!

What are some other ways that you present your P&L?

Join us in the discussion in the comments below 👇

Building World-Class Financial Models in Minutes | 450K+ Followers | Model Wiz

Claude just built a full CFO presentation from my Excel file. I didn't touch PowerPoint once.

Comment "PowerPoint" and I'll send you the link.

I've been a fractional CFO for years. Worked with over 100 companies. So when Anthropic announced Claude for PowerPoint, I had to know.

Can it actually create a legitimate CFO summary? Or is this just another AI demo that falls apart with real data?

So I tested it. Let me tell you why you should care.

Here's what I cover in the video:

→ How to set up your prompts before you even start. Garbage in, garbage out. This step saves you hours of back and forth.

→ What happens when you upload a real three-statement model. Not some demo file. Actual financials with projections.

→ The moment Claude did something I didn't even ask for. I wasn't expecting this one.

→ Where it struggled. Because yeah, it wasn't perfect. I'll show you exactly what went wrong and how I fixed it.

→ The final presentation. 10+ slides. Charts, KPIs, commentary. And whether the numbers actually matched my Excel file.

I said out loud at one point, "This would have taken me hours and hours to set up." Man, I was totally blown away.

But here's the question I can't stop thinking about.

What does this mean for my job? For analysts? For anyone who builds financial presentations?

Watch the full video. I'll let you decide.

Comment "PowerPoint" below and I'll send you the link.

I've built dashboards for 100+ companies. These are the 10 that actually get used.

Not the ones that look pretty in a presentation. The ones leadership opens every month without being asked. Big difference.

Let me walk you through them.

→ Summarized P&L, Balance Sheet, and Cash Flows

The big three. Custom mappings across any time period. If your leadership can't see these in one view, you're making them work too hard. And trust me, they'll let you know.

→ Budget vs Actuals

This is where the real conversations happen. Variances, trends, what's off and why. I've never worked with a company that didn't need this one. Not once.

→ KPI Dashboard

The 8 metrics that actually matter. Compared against prior period and prior year. No fluff, no vanity numbers. Just the stuff people make decisions with.

→ Comparison Financials

P&L with custom mappings against prior period and prior year. One glance tells you if things are getting better or worse. Your board will love you for this one.

→ Profit Margins

Gross, operating, net. All in one place. If you're not tracking margin trends, you're flying blind. I learned this the hard way early in my career.

→ Executive Summary Dashboard

P&L and cash flows with custom commentary. This is the one the board actually reads. Everything else? They skim. This one they study.

→ Cash Out Dashboard

Projected cash out date, current cash, monthly burn, runway remaining. If you're a startup, this one isn't optional. It's survival.

→ SaaS Metrics

MRR, ARR, churn, retention. If you're running a subscription business, these numbers run your life. You probably check them more than your text messages.

Here's the thing most finance teams get wrong. They build way more dashboards than anyone needs. Dozens of tabs, fancy charts, color everywhere. Then wonder why nobody looks at them.

Start with these 10. Add more only when someone actually asks. You'll be surprised how rarely that happens.

Now here's the thing. Even if I gave you all 10 templates right now, you'd still spend hours importing data, fixing formulas, and making sure everything ties. I've been there. It's painful.

That's why I built Model Wiz. It's a free Excel add-in that connects to your QuickBooks, pulls your data automatically, and generates all 10 dashboards with one click. No manual imports. No broken formulas. Just your numbers, ready to go.

Which dashboard does your team rely on most?

I've built dashboards for 100+ companies. This is the one CEOs actually open every week.

Not because it's fancy. Because it answers the question they actually care about: are we growing or is it just seasonality?

Let me explain.

Monthly sales numbers lie to you. December always looks great. January always looks terrible. Compare them and you'll panic for no reason. I've seen it happen. Finance teams running around thinking the sky is falling when really it's just... January.

The fix is simple. Stop comparing month to month. Start comparing this December to last December. This Q4 to last Q4. Apples to apples.

That's what trailing 12 months does. Smooths the noise. Shows you what's actually happening.

Here's what this dashboard gives you.

Total sales at the top with prior period comparison. You see the number and whether it's up or down in one glance. No digging.

A 12-month trend chart in the middle. Not 47 charts. One chart. Clean. You can actually see where you're heading instead of squinting at a rainbow of lines.

Quarterly breakdowns below that. Each quarter compared to the same quarter last year. This is where seasonality gets exposed. Q1 up 32%. Q2 up 56%. Q3 up 76%. Q4 up 95%. That's not a lucky December. That's real momentum.

And at the bottom, monthly detail. Side by side with prior period. For the people who want to dig deeper. You know who you are.

When your CEO asks "are we actually growing?" you don't guess. You don't fumble through five tabs while everyone waits. You pull this up and the answer is sitting right there.

That's what a good dashboard does. Makes the answer obvious before anyone finishes asking the question.

That's exactly why I built Model Wiz. It's a free Excel add-in that connects to your QuickBooks, pulls your data, and builds dashboards like this one automatically. No formulas to write. No manual updates every month. Just connect your data and it's yours.

What's your system for separating real growth from seasonal noise?

I've built P&Ls for 100+ companies. The best ones all look like this.

Simple. Clean. Boring, even.

And that's the point.

I used to overcomplicate everything. 50 accounts. Color coded sections. Fancy formatting. Looked impressive. Nobody understood it. Including the CEO who was paying me to explain it.

Now I keep it stupid simple.

Revenue at the top. COGS below. Gross Profit on its own line. If yours doesn't have that, fix it today.

Operating expenses grouped into five or six categories. Not 30 accounts nobody remembers creating. Marketing. Payroll. Professional Services. Technology. Travel. Done.

Net Operating Income. The number that actually tells you if your business works.

Net Income at the bottom. The number everyone skips to anyway.

That's it. One page. One story. Revenue came in, this is what we spent, this is what's left.

I've sat in board meetings where CFOs spent 20 minutes walking through the P&L. Eyes glazing over. Questions nobody could answer. All because the format was a mess.

A good P&L doesn't need explaining. It explains itself.

This exact P&L template is inside Model Wiz.

It's a free Excel add-in I built to make financial reporting stupid simple. Connect your QuickBooks, click a button, and your data fills in automatically. Same format I use with every client. Takes about 30 seconds to set up.

How complicated is your P&L right now?

I used to lose an entire day just updating last month's numbers.

Not because the model was complicated. Because I hadn't built it to survive the roll forward.

Most models break the same way every month. A new account shows up that your formulas don't recognize. Someone inserts a row and half your references shift. The dashboard pulls from the wrong period and nobody catches it until the board meeting.

After rebuilding the same things over and over, I started doing a few things differently.

→ Keep your raw data on its own tab. Never mix imports with formulas.

When you paste new data into a tab full of calculations, you're asking for trouble. I keep one tab that's only for QBO exports. Everything else references that tab. When I update the data, the model updates itself.

→ Use named ranges instead of cell references.

Formulas that point to B14:B87 break the moment someone adds a row. Named ranges don't care where the data moves. Define them once and your formulas stay intact no matter how the structure shifts.

→ Build your formulas to expect new accounts.

SUMIF and XLOOKUP don't break when new line items show up. VLOOKUP with a hardcoded range does. I stopped writing formulas that assume the data stays the same. It never does.

→ Lock your periods in one place.

If your current month is referenced in 40 different formulas, you're updating 40 cells every roll forward. I use one cell that says "December 2024" and everything else points to it. Change it once, the whole model follows.

These changes cut my roll forward time in half. But I still wanted it faster.

At Model Wiz we handle all of this with one button. Click Roll Forward and it moves the timeline, detects new accounts, preserves your formulas, and keeps your dashboards intact. Two minutes and you're done.

What's the most annoying part of your roll forward?

Why does a fractional CFO charge 5x what a bookkeeper charges? The answer has nothing to do with Excel skills.

I get this question a lot. Usually from founders who see the rates and think "that's insane for finance work." Fair enough. Let me explain why it's actually a bargain.

Here's how the rates break down.

Bookkeeping sits at $100/hour. Solid work. Someone has to categorize transactions and keep the books clean. Month-end close is around $150/hour. Payroll, $125/hour. Tax services, $200/hour. Audit management, $250/hour.

Strategic finance and fractional CFO work? $500/hour.

Same industry. 5x the rate. What's going on?

The difference isn't the technical skills. A great bookkeeper might actually be faster in Excel than a CFO. Seriously. I've seen it.

The difference is what you're responsible for.

Tactical finance reports on what happened. Strategic finance decides what happens next. One fills in the spreadsheet. The other decides if the spreadsheet even matters.

Let me make this concrete.

A tactical role follows processes someone else built. A strategic role builds the processes everyone else follows. A tactical role tells you that you burned $200K last month. A strategic role tells you why, whether that's a problem, and what to do about it.

That's the gap. And that gap is worth a lot of money to founders who don't have time to figure it out themselves.

Now here's where it gets interesting.

Full-time CFO? $250K+ per year. That's a big check for an early-stage company. Fractional CFO at 15 hours a month? Around $75K per year. You just saved $175K and still got strategic leadership.

But the real ROI isn't the salary savings. It's what changes in the business.

→ Cash runway extends 3-6 months because someone is actually watching burn and optimizing it. I've seen founders add months of runway just by having better forecasting. That's not nothing.

→ Valuations improve 20-40% because your financials are clean and investor-ready. Messy books kill deals. I've watched it happen. Painful every time.

→ CEOs get 50+ hours back because they're not playing CFO on the side anymore. That time goes back to product, sales, whatever actually grows the company.

→ Fundraising moves 90% faster because due diligence doesn't turn into a fire drill. When your documentation is already buttoned up, investors notice.

Most founders wait too long. They think "we'll hire a real CFO when we're bigger." Then they burn cash they didn't need to burn. Or they fumble a raise. Or they miss something that costs them six months.

The smart ones bring in strategic finance early. Not because they have extra money. Because they can't afford the mistakes.

That's why I built Model Wiz. You don't move up the value stack by working harder at the bottom. You move up by getting the bottom off your plate completely.

What layer is your finance function at right now? Execution, process, or strategic?

5 dashboard templates. KPI. Sales. Cash flow. Budget vs actuals. Summary financials.
They cost $139. Today they're free.
Register for my live webinar with ApprovalMax and they're yours 👉 https://lnkd.in/dYxbHmUX

I built every one of these from real client work.

Not a course project. Not a YouTube tutorial. 

These are the actual dashboards I open on day one when I take over as fractional CFO and need leadership to see what's happening immediately.

Here's what you're getting:

✅ KPI Dashboard with real time visibility into the five metrics leadership actually tracks
✅ Sales Dashboard that shows pipeline, revenue, and conversion in one view
✅ Cash Flow Dashboard so you can see exactly where every dollar is going by week
✅ Budget vs Actuals Dashboard that highlights variances the moment they appear
✅ Summary Financials ready to drop into any board deck without reformatting

Getting the templates is one thing. 

Knowing how to build them, customize them, and make them work for your specific setup is where the real value is.

That's what the webinar is for.

Most finance teams I've worked with build dashboards the same way. Open Excel. 

Start making charts. 

Copy a layout they saw somewhere. Hope it looks good enough for the board meeting.

No framework behind it. No system for where the data comes from, how it flows in, or how the formulas connect to each other.

And then month end hits, something breaks, a formula pulls the wrong number, and suddenly the CFO is questioning everything on the screen.

I've spent years figuring out how to avoid that. 

How to structure a dashboard so the data flows in clean, the formulas do what they're supposed to, and the whole thing actually holds up when leadership starts asking questions.

On March 18th at 11:00 AM ET, I'm going live with ApprovalMax to walk you through the full system.

You'll learn:

◾ The framework I use to structure every dashboard from scratch, so the data flows in clean and the formulas connect properly from the start

◾ The 7 specific Excel formulas that power every dashboard I build, from SUMIFS to GETPIVOTDATA, and exactly how each one is used

◾ How to build dashboards that update closer to real time instead of static month end snapshots you have to rebuild every cycle

◾ What to actually put on a board deck so leadership gets what they need on the first look, without 30 tabs of noise

◾ How to set up your file so that when someone else opens it, they can follow the logic without calling you

March 18th. 11:00 AM ET.

Grab your templates and save your spot 👉 https://lnkd.in/dYxbHmUX

A former Uber and Plaid product leader just raised $23M to automate the most hated workflow in finance. Here's why every CFO should pay attention.

The company is called Stacks. Lightspeed led the round.

And if you've ever lost weeks of your life to month-end close, you already know why this matters.

Reconciliations. Journal entries. Variance analysis. Reporting workflows. All manual. All repetitive. All soul-crushing.

Stacks automates the entire thing.

Now here's what actually caught my attention.

→ 30+ enterprise customers globally

→ 100,000+ hours saved annually

→ Close cycles reduced by up to 50%

Read that last one again. 50%.

The founder, Albert Malikov, built product at Uber and Plaid. He watched finance teams stay stuck in spreadsheet hell while every other function got AI upgrades.

So he fixed it.

The platform connects to your ERP, pulls external data, and builds a unified financial view. Then it handles reconciliation, categorization, and variance investigation. With explainable, account-level analysis.

Your team stops doing grunt work and starts doing strategic work. You know, the stuff you actually got hired for.

They just launched AI Flux Analysis. It automates variance investigation and kills those spreadsheet commentary reports nobody wants to write. We've all been there.

But here's the bigger picture.

Close automation is just the entry point. The real vision? Transform finance from a backward-looking reconciliation function into a real-time, insight-driven strategic partner.

Manual → agentic. Spreadsheets → AI-native systems. That's where this is going.

Congrats to Albert and the Stacks team on the raise.

Full announcement from Albert in the comments.

This post is sponsored by Stacks.

Brand partnership • Building World-Class Financial Models in Minutes | 450K+ Followers | Model Wiz

"How's cash looking?"

If that question makes you nervous, you need this dashboard. Every finance leader gets asked this. Most scramble for the answer.

Let me show you what I mean.

Four KPIs at the top. Revenue, COGS, Opex, Ending Cash. Each one shows where you are and how it compares to last year. Green means up. Red means down. No digging required. Your board can read it. Your CEO can read it. Even your cousin who "works in finance" can read it.

Below that, a 12-month trend chart. You can see exactly where things are heading. Revenue climbing? Great. Cash dropping? Problem. Both visible in the same view. No tabs. No hunting. No "give me a second."

Here's the thing. I can't tell you how many times I've walked into a meeting where someone asks "how are we doing?" and the finance lead starts pulling up tabs. Five spreadsheets. Three exports. A pivot table from last week that may or may not still be accurate. Classic.

By the time they find the answer, the room has moved on. Or worse, someone else answers for them. That's not a good look.

This dashboard fixes that. One glance. Full picture. Conversation moves forward.

The numbers in this example tell a story. Revenue up 67%. Opex up 78%. Cash down 87%. That's a company growing fast but burning faster. You see it immediately. No one has to explain it. The dashboard does the talking.

That's what a good dashboard does. It makes the answer obvious before anyone asks the question.

I built this one inside Model Wiz. It's a free Excel add-in that connects to your QuickBooks, pulls in your data, and generates dashboards like this one automatically. No formulas to build. No templates to customize. Just connect and go.

What's the first question your CEO usually asks?

When I started my fractional CFO firm almost 6 years ago, I kept hearing the same thing 📢

"Hire slow, fire fast."

I spent a lot of time struggling with this saying.

Why should I hire slowly when my business is moving 100 MPH?

Why should I fire someone fast, and what message will that send to team morale?

I prided myself on being a people-first organization.

Wasn't going to let any boilerplate saying dictate the type of CEO I'd become.

As time grew, however, I started understanding what the phrase really meant.

Now I'm a believer in everything it says.

➡️ YOUR PEOPLE ARE EVERYTHING

When setting our company core values, #1 was a breeze to choose.

"Respect trumps all."

I had several career experiences where people I worked with were nasty.

Sometimes a manager, other times a coworker.

The feeling left me tense, anxious, sad, trapped.

Your work is huge part of your life.

When you work with someone who treats you poorly, it affects you during work and even when you go home.

I promised myself I'd never create that environment when managing others.

It's close to impossible for consulting firms to scale without heavy investment in people.

Your staff isn't just people who "get the job done."

They represent you, allow you to work on bigger picture, outperform you where you're weak.

They collectively make your organization stronger.

➡️ HIRE SLOW MEANS PROPER DUE DILIGENCE

Hiring is challenging, time intensive, expensive.

Even under best circumstances, you're still at risk of hiring wrong person.

Technical skills are just one part...there's people skills, where they are in life, what they're experiencing outside work.

Some want casual 9-5, others want environment to grow quickly in chaos.

Some seek incredible meaning, others just want big paycheck.

None are right or wrong...just matter of finding right fit both sides.

Here are costs of hiring wrong person:

Lost investment in training time and resources.

Negative morale when employee becomes disgruntled.

Expensive severance packages plus salary while employed.

Risk of employee litigation if terminations aren't handled correctly.

Missed company targets due to underperformance.

➡️ FIRE FAST DOESN'T MEAN HEARTLESS

Taking quick action doesn't need to mean letting someone go immediately.

Unless there are financial constraints, everyone should get performance improvement plan opportunity.

This protects from wrongful termination lawsuits.

Gives employee time to consider options for another role.

Communicates to team that you invest in people's success.

When someone isn't right fit after feedback, PIP, and still not performing...time to part ways.

If employee is poor cultural fit, part ways before their morale affects others.

If underperforming, part ways before best performers feel they're compensating with extra work.

Cost of working with wrong person is too large.

Have you struggled with balancing people-first culture and business needs?

5 SaaS Finance Templates I Charge $180+ For Are Yours for Free This Week
Register for my free masterclass with Maxio and get all five 👉 https://lnkd.in/ed7pWgHy

I built these templates over years of working as a fractional CFO with SaaS companies at every stage.

Every engagement had the same gap. The metrics existed somewhere, scattered across billing systems, spreadsheets, and dashboards nobody trusted.

ARR calculations that didn't match between finance and sales. 

Deferred revenue schedules built on formulas that broke every time someone added a new contract. SaaS P&Ls that took a full day to rebuild for board meetings.

So I built a set of templates that cut SaaS reporting from days to minutes. And I've refined them through every client engagement since.

Here's what you're getting:

✅ ARR, MRR, and Logo Forecasting Template that lets you project revenue and customer count with real assumptions your board can trust

✅ ARR Calculation Dashboard showing exactly where your recurring revenue stands across new, expansion, contraction, and churn

✅ SaaS P&L Template built for subscription businesses so your financials actually make sense to investors

✅ Deferred Revenue Template that tracks and recognizes subscription revenue without the manual reconciliation that eats your weekends

✅ SaaS Metrics Template covering CAC, LTV, ACV, and more so you always know which levers move the business

On Wednesday, March 4th at 1:00 PM ET, I'm hosting a free masterclass with Maxio where I walk through all five live.

You'll see exactly how each one works. How to plug in your own data. And how to adapt them to your specific setup.

Here's what else we'll cover:

→ How to build an ARR forecast you can defend in a board meeting

→ The exact process for tracking deferred revenue without breaking your formulas

→ Why most SaaS P&Ls confuse investors and what yours should look like instead

→ Where manual metric tracking falls apart and what the modern toolkit looks like in 2026

===

Register here and get all 5 templates 👉 https://lnkd.in/ed7pWgHy

Maxio Webinar

Gen Z scores 38% on financial literacy tests.

They're also about to inherit $84 trillion.

See how Zogo is preparing them before the money moves:
https://lnkd.in/eC66JibW

#ad | This post is sponsored by Zogo.

→ They're Already In The Deep End

Gen Z started investing at 19 on average. Boomers didn't start until 35.

That sounds impressive until you look at the results.

50% of Gen Z investors admit they've made at least one investment driven by FOMO. Credit card balances jumped 62% in just two years. 

Delinquency rates are running higher than Millennials at the same age.

Young employees making financial decisions with confidence but without the foundation to back it up. Buying crypto on a TikTok tip. 

Maxing out credit cards cuz they don't understand how compound interest works against them.

→ Here's What Should Worry Every Credit Union Executive

$84 trillion in wealth is changing hands over the next two decades. The vast majority of it from Boomers.

And the data on what happens next is brutal.

70% of heirs leave their parents' financial advisor after inheriting. Not some of them. The majority. Gone.

Most financial firms don't engage with heirs at all until the transfer is already happening. 

By then you're chasing someone who's already opened an account somewhere else.

One study tracked 3,200 wealthy families over 20 years. 70% lost their wealth by the second generation. 90% by the third. 

→ Why The Typical Approach Fails

A meta analysis of 200+ studies found that financial education effects vanish after about 20 months without reinforcement.

Think about what that means for the industry's current playbook. A one time seminar in February is forgotten by Thanksgiving.

But when education hits at a "teachable moment"... right before a first credit decision, a first loan, a first investment... the effects are 3x larger across 76 randomized controlled trials.

The timing changes everything.

→ How Zogo's 360 Integration Delivers Education At The Right Moment

Zogo is a financial literacy app that credit unions and banks white label into their own platforms. Think gamified language learning, but for money, built for the exact moment a member needs it.

2M+ users. 250+ financial institution partners.

→ 2 to 3 minute micro lessons tied to actual financial decisions members are about to make

→ Rewards that keep Gen Z coming back (gift cards, cash back... not another branded pen)

→ Intent data showing institutions what their members are actively learning about

One of the largest credit unions in the country replaced their previous financial education provider with Zogo. 

===

Start building that relationship now:

https://lnkd.in/eC66JibW

JM Family Enterprises, Inc.

As Insurance Operations Supervisor, I support our CIS team in executing the corporate insurance program, emphasizing collaboration, and strategic support. I engage with stakeholders to align our initiatives with their risk profiles, leveraging data analytics to inform our strategies. My focus extends to maintaining partnerships with external brokers and carriers, ensuring our solutions are well-crafted to support our organizational goals and risk tolerance, fostering a unified approach to risk management.

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