I create efficient tax and investment strategies for tenured Sales and Software Pros | Financial Advisor & Fractional CFO | Guiding you to a better and abundant financial life |

TFA’s mission is to enhance the present and future economic well-being of its clients and representatives. 

Baby Boomers are retiring every day.

The average baby boomer believes $300,000 is sufficient enough to retire on.

Do you think that's enough money? But before I answer that, here's my story:

I was on track to be a Chemical Engineer till 2020. But when I graduated, I was distraught with what the job requirements were. Putting myself first, I completely decided to quit the track.

No plan, no job in sight. I started to panic.
 
That's when my mom sat me down and told me to list the things I'm passionate about. Turns out personal finance and education were the top two on my list. Not shocking, considering I always had a passion for how money works. 
 
So, I started doing research for jobs in financial services. My goal was to implement my passion for financial education for everyone. 

Since then I've helped countless individuals, families, and business owners make easier financial decisions for their future.
 
Services I provide:

1. Portfolio Planning
2. Budget Creation
3. College Funding
4. Debt Reduction 
5. Retirement Planning 
6. Proper Protection
7. Tax Efficiency
8. Investment Allocation



What makes me different:
- Keeping you accountable to your goals
- Creating simple yet effective strategies
- Establishing a personal relationship
- Yearly reviews accounting for changes in goals and income

So to answer the question above, $300,000 is not enough money to retire on, in my opinion. But that's where I come in. 

If you want to learn more about how my clients are pursuing their financial goals, let's have a quick chat :)

Omkar Shinde

I was one signature away from a $640/month Jaguar XE.

I walked out.

2020. Car dealership. Everything was ready:

• Credit cleared.
• Loan approved.
• Papers in front of me.

Monthly payment: $640/mo. 🤯

I glanced out the window.

My 2012 Subaru was sitting right next to the Jaguar.

• Runs perfectly.
• 63,000 miles.
• Paid off.

And I thought: "What am I doing?"

I backed out. Drove home in my Subaru.

Took that $640/month and put it toward retirement instead.

$640/month for 4 years = $30,720.
At 8% annual return over 40 years?

That turns into $1,023,000.

One decision.
One signature I didn't sign.
Worth over a million dollars in retirement.

I didn't drive a nice car for 2 years.

But I wasn't trading my future for a car payment.

P.S: I bought the Jaguar 2 years later at a cheaper price.

I create efficient tax plans and investment strategies for Sales & Software Employees making $200,000+ | DM me “W2” for an intro call.

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We spent $2,482 on our 4 day Austin trip last week.

And I never once worried about the cost.

Here's what we did:

• Flew down for our college friends wedding.
• Checked in on our 2 rental properties.
• Saw friends we haven't seen since last March.

The whole trip, I didn't open my banking app once.

I didn't swipe my card thinking, "Can I actually afford this?"

It was a done deal the moment we booked the flights.

Before the trip:

Travel fund? Funded.
Investments running on autopilot.
Rental income covering the mortgages.

So when it came time to show up—for the wedding, for our friends—I wasn't spending.

I was just using money that had been set aside months ago.

Most people skip trips like this.
Or they go and spend the whole time worrying about money.
Or spend frivolously piling on more debt.

I've worked with business owners making between $250k-$400k who can't take a week off without panicking about cash flow.

And I've worked with clients making $180k who travel twice a year without blinking.

I spent $2,482 in Austin last week. 

But I didn't feel it.
Nor did my bank account.

My parents were stuck in Qatar for 168 hours after the US decided to strike Iran.

I've never felt more helpless in my life.

There's no lesson here. Just a reminder:

Hug, kiss, and tell your loved ones how much you appreciate them every single moment you get.

The world is an unpredictable place. 

P.S: My parents are back home, safe and sound! If you had a loved one who was affected, I'm praying for their safety too.

Just dropped ₹2,49,334 in India for my wedding outfits.

That's about $2,500. Here's the best part:

It's not the fact that I saved A LOT of money.
Or I travelled to see family.
And reunited with everyone after 3 years.

Spending hard earned money on memories are the only dividends you need in life.

So ball out, my friend. You have my permission 🤑

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2021: $13,293 in AUM.
2022: $17,345 in AUM.
2023: $873,871 in AUM.
2024: $6,312,009 in AUM.
2025: $12,429,991 in AUM.
2026: ???

Everyone starts the race at the starting line.
But you choose how long you want to keep going.

You stick to your job.
Let time do the rest.

Between Feb 14th and Feb 27th, I made $11,344.

While working from this 162 sq. ft room in my Grandma's house in India.

Been to India 4 times in the last 4 years I've been working for myself, and it always gives me a sense of gratitude.

I wasn't in an office.
I wasn't tied to a desk.
I wasn't asking for time off.

I was halfway across the world. And my business kept running.

Everyone talks about this freedom.
Yet nobody wants bad enough to actually live it.

The money will come and go. 
But the memories, the time and the health all erode away.

It's all about control. 

Control over your time.
Control over your income.
Control over your location.

When you work for someone else, you need permission to take vacation.
When you work for yourself, you decide when and where you work.

I'm not saying it's easy, but it is simple.


Start small.
Build on the side.
Figure it out as you go.

Because once you build it?

You get to live life on your terms.

What's stopping you from starting today?

Because the alternative is spending the next 40 years watching someone else control your life.

My client pays $1,200/year for life insurance.

He has no spouse. No kids. No mortgage.

Who exactly is he protecting? I asked him that last month.

35 years old.
Software engineer.
Making $280K.

"Who's this for?" He paused.
"I don't know. My colleagues told me I needed it."

If you're single with no dependents or debt, life insurance is a waste of money.

Nobody relies on your income.
You're just paying to protect people who don't need protecting.

I have another client—Engineer at Google.

42 years old.
Married with 3 kids.
$450K mortgage.
$410K household income.

If he dies tomorrow, his family loses everything.

He's paying $15,000/year across everything:

$2.5M Term for him.
$2.5M Term for his wife.
Max Funded Permanent Policy for Tax Benefits.

That's not a waste.
That's the smartest $15,000 he spends every year.

If people depend on your income, you need life insurance.
If they don't, you're lighting money on fire.

Stop buying insurance because "someone" told you to.
Start buying it because someone actually depends on you.

DM "LIFE" for a free insurance review—I'll show you exactly what you need (and what you don't).

I lost a client 6 weeks after they started working with me.

He agreed to everything..... at first.

Then did none of it.

This client was a referral from an existing client.

• Married with 2 kids.
• $250K household income.
• 7 rental properties with $1,500/month cash flow.
• HELOC at 8% on his primary house.

If he lost his job, this house of cards would collapse fast.

So I put together a plan:

• Pay off the HELOC ASAP.
• Get his wife a part-time job while looking for full-time.
• Sell the underperforming properties before it's too late.

He agreed to everything. Then did none of it.

6 weeks later, he fired me.

My first thought: I'm not good enough.

Maybe my plan was wrong.
Maybe I invested at all-time highs when I should've waited.
Maybe I pushed too hard.

I replayed every conversation trying to figure out where I screwed up.

But after talking to him:

He said he wanted change. He just didn't want to do anything differently.

Agreement isn't commitment.
And I can't want it more than he does.

I spent 6 weeks trying to save someone who didn't think he needed saving.

That's on me for not seeing it sooner.

Not every client relationship works out.

And that's okay.

Now I know the difference between someone who wants help and someone who just wants validation.

If you max out your 401(k), you will be fine.
If you invest in Real Estate, you will be fine.
If you max out your Roth IRA, you will be fine.
If you invest in your brokerage, you will be fine.
If you contribute to a 529 plan, you will be fine.
If you work with an accountant, you will be fine.
If you have Term Life Insurance, you will be fine.
If you have a Auto or Student Loan, you will be fine.
If you implement at plan at 45 instead of 35, you will be fine.

All in all, if you're doing the basics, you will be just fine.

BUT...

Doing basic work will get you basic results.

It won't get you the life that you want to live, instead it will make you live the life that you silently judge others on.

Don't let that be you. 

Start now. Start today. 

My DMs are open.

At 34 years old, they make $430,000/year.

And don't save a single dollar.

I talked to this couple 2 weeks ago.

Here's what their reality looked like:

• $17,000 on credit cards.
• Two luxury car payments.
• $6,000/month mortgage.
• No emergency fund. $80,000 in an IRA.
• Rentals losing money every month because rent < mortgage.

Almost half a million in income.
Nothing left at the end of the month.

I could say they were reckless... but they were just stuck in the "we'll save next month" loop.

If your lifestyle scales with your income, you'll always feel broke—no matter how much you make.

So we built a system:

$3,600/month automated to investments and savings—comes out first, before any spending.
$8,000/month for fixed costs in one account.
$2,500/month guilt-free spending in another.

Every dollar now has a job.
But they'll have to cut back their lifestyle significantly.

And that's going to hurt for the first few months.

The system only works if they stick to it.
That's the hard part nobody talks about.

DM me "MONEY" if you're making good money but have nothing to show for it.

What's the point of making $600K if you're still living like you make $60K?

Here's the biggest myth you're falling for:

High income = Financial literacy.

It's the exact opposite: 
Sales employees making insane money with no idea where it's going.

Here's what I've seen in the last year:

• $12M net worth client paying $180K in taxes he could've reduced by 40%.
• Prez Club client making $400K with $12,000 left in his account at the end of the year.
• Real Estate believer with 7 rentals, buying his 8th property but losing $2,500/month in cash flow.

You can make $600K and still be broke.
Because income doesn't solve a bad mindset.

I've worked with people making $150K building wealth faster than people making $500K.

Why?
Because they have a plan.
Or they're working with a team like mine.

Making money is one skill.
Managing it is another.

If you're making great money but still feel broke, the income isn't the issue.
The system is.


P.S: What's your biggest money habit you wish you could change?

Between Feb 14th and Feb 27th, I had 6 qualified inbound leads.

From a time zone that's 12.5 hours ahead.

I didn't listen to Alex Hormozi:

I didn't run ads.
I didn't cold call.
I didn't send a single email.

People found me.
Because I've been building a personal brand for 3 years.

Most people think personal branding is for influencers or creators.

Nah. It's for anyone who wants opportunities to come to them instead of chasing them.

Here's what a personal brand does:

→ It builds trust before you ever have a conversation.
→ It makes you visible when you're not in the room.
→ It opens doors you didn't even know existed.

I was halfway across the world in India. 
Asleep when these people reached out.

And they still found me.
Sometimes from posts that were 5-7 days old.

That's the power of showing up consistently online.

Your personal brand works for you 24/7.

And keeps paying dividends.

Every post you write.
Every insight you share.
Every story you tell.

It's building credibility that compounds over time.

While you're waiting for the "perfect time" to start posting, someone else with half your experience is building their brand right now.

And they're getting the opportunities you think you deserve.

The market doesn't care about your resume.
It cares about who shows up.

So you can either start building your brand today or watch someone else take your spot.

What's it going to be?

$23.85. That was my first paycheck in this business.

I stared at it thinking, "What am I doing with my life?"

My friends were making $80K, $100K salaries.
And I couldn't even crack $500/month.

Every single cell in my body was telling me not to pursue this opportunity.

So, I tried other things.
Explored different paths: Drop shipping, Copywriting, Streaming.

But I kept coming back to this business.

So I tried working through it, but:

My own family didn't trust me with their money.
My friends never did business with me.
My colleagues outcasted me.

Which led me to have imposter syndrome every single day.

"Who am I to give financial advice?"
"Should I just get a normal job like everyone else?"

I knew people making 10x what I was.
Most of them in my friend circle.

And I couldn't even convince my parents to become clients.

But I didn't quit.

I showed up.
Learned everything I could.
Grinded when nobody was watching.

Because I knew I had the potential.

Now?

My entire family are clients.
Friends I grew up with are clients.
I've poured thousands back into this business.

Best of all, I don't question *if* I'm going to be succesful. 
To me, it's *when*.

I'm not done yet. 
And I'm a hell of a lot further than $23.85.

What kept you going when everyone doubted you?

I've talked to 11 people in the last 2 weeks who hate their jobs.

All of them want out, but I bet $50 none of them will leave. 

All of these conversations have the same premises:

"I was sold a very different dream."
"I realized there's nothing at the top."
"I do a good job, and I'm rewarded with more responsibilities."

So what's stopping you?

"I have a mortgage."
"I've got kids to feed."
"My spouse doesn't work."
"I can't afford to take that risk right now."

I get it. Responsibilities are real.
Bills don't stop because you're unhappy.
And the job market is in turmoil right now.

Forgive me for being the voice that others are too scared to say out loud.

But here's the hard truth:

You have two options.

Option 1: Accept it.

Stop complaining about your job.
Stop dreaming about what could be.
Make peace with the path you're on.

There's absolutely nothing wrong with choosing stability.
But you don't get to be miserable for choosing it AND do nothing about it.

Option 2: Work 10x as hard and jump ship.

Wake up earlier.
Have a 5-9 before your 9-5.
Sacrifice weekends for the next 2 years.

It's going to suck.. it's going to be the hardest things you've done.

You'll be exhausted. You're eyes are going to be baggy.
You'll be Nespresso's top consumer.
And your free time disappears.

But eventually, you'll have options.
And options = freedom.

I have no children. 
But I have a to-be wife, a mortgage, and staff to pay.
My responsibilities might be slightly less worrying, responsibilities nonetheless.

But throughout my career, I've learnt:

You cannot stay comfortable while being miserable.
You either accept where you are or you fight to change it.

But you can't do both.

So which one are you choosing?


P.S: I'm looking for 3 people in Q2 who believe that they are meant for more, and believe they are the Option 2 path-takers. DM me "Option 2" and I'll reach out to see if my team can help.

I'm stuck between a rock and a hard place.

Would you rather get licensed, work for a big box firm with a steady paycheck, with no ownership to gain experience?

Or

Would you get licensed, bet big on yourself with a variable income, have 1:1 mentorship with full ownership and gain experience along the way?

Asking for a friend.

P.S: I'm looking for the latter.

As of today, I have $8,945 in credit card debt, but $100,000K+ saved for a wedding. I could pay off the debt, but I choose not to. Here’s why:

Leverage.

Most people hear “credit card debt” and immediately assume irresponsibility.
But here’s what they miss:

→ That balance is on a 0% APR promo.
→ Earning more than the interest I’m being charged 
→ The money I could’ve used to pay it off? It’s marked for my wedding.

This is what most people never get taught:

Bad debt drains you.
Credit cards at 22%, high-interest loans, buy-now-pay-later traps.

Good debt buys you time, leverage, and flexibility.
Used correctly, it accelerates wealth.

I’m not saying go rack up cards.. although I did open 2 new cards for the bonuses.

I’m saying—understand the strategy.

I'm so excited to payoff the debt and see that $0.00.
But it’s not the smartest move financially, at this moment.

The goal isn't to avoid debt at all costs.
It’s to learn which debt builds and which one buries.

Because the difference?

Could be the reason someone stays stuck at $80K/year...

While someone else builds a million-dollar net worth off the same salary.

P.S: Just got approved for the United Club Business and Hilton Aspire Cards. Any cardholders wanna share their experience?

7 months into working with me, and she forgot about her RSU's from 2016.

They're -45% from her vesting date.

Here's what happened:

Client works for a renowned CRM company.
She got RSU's as part of her comp package. Typical.

Vested. 
Held onto them.
Never looked at them again.

Fast forward to now:

The stock tanked 45% since it IPO'd.
Most of her tax lots are down 60-70%.

She's sitting on a $60K loss she didn't even know existed.

It's normal.

Tech employees get RSU's and treat them like free money.
and they implement the "Vest-and-Hope" Strategy.

This happens more than you think.

But you see, RSU's aren't diversified.

They're tied to one company.
And if that company tanks, you lose.

So what did we do?

→ Tax-loss harvesting to offset her gains elsewhere.
Sold enough of her portfolio to offset some income tax and use the rest to offset capital gains tax.

→ Rebalanced her portfolio so she's not overexposed to one stock.
Something better to manage risk that's cost efficient, and meets their goals.

She went from sitting on dead weight to using that loss strategically.

RSU's are part of your compensation.
Not your investment strategy.

The moment they vest, you need a plan.

If you haven't touched your RSU's in years, 
you might be in the same boat.


P.S: If you need an RSU review/strategy and have no idea where to start, Dm me "RSU" and we can explore if working together is a good fit.

My client missed out on $47,300 in 2 years.

Despite working with my team.

He came to me in 2022:

• Switched jobs for higher pay.
• RSU's vesting over 3 years.
• 30% salary increase.
• Chunky sign-on bonus.

He was motivated to get everything in place financially.

But then he got cold feet.

The signs were all there:

• Kept pushing off meetings
• His internet would be down
• Expenses kept coming up
• Work kept him busy

Eventually, he ghosted us.
No replies for 12 weeks.

I gave up.

Cut to September 2024. He finally replied.

2 years later.

"Hey Omkar, hope all is well. I finally had a chance to sit down and analyze your plan."

I reconnected with him, excited to chat.

But his situation was completely different:

Got married.
Lived the same college lifestyle.
Bought a house he couldn't afford.

I couldn't take him on as a client.

Here's what he lost in those 2 years:
1. $12,500 in Roth contributions that would've grown to $18,200 at 8% annual return.
2. $15,000 in tax deductions he could've claimed.
3. $3,000 in interest he paid that could've been avoided.
4. $10,600 in RSU growth he missed by not rebalancing when he should have.

Total: $47,300.

Gone. Because he waited.

Don't be this guy. 2 years is a long time to pay for cold feet.

Credit card points are a scam.

No single card has all the benefits you want.

• Chase Preferred has great travel partners.
• Amex Platinum has lounge access.
• Capital One has hotel transfers.

So what do you do?

You open 3, 4, 5 cards to "maximize" your points.

Now you've got 47,000 points with Chase, 32,000 with Amex, 19,000 with Capital One.

None of them are enough to book anything good.

So you're stuck waiting, accumulating, spreading yourself thin across multiple programs.

And to actually maximize points, you have to spend a ton of money.

"Earn 5x on travel!"
"Get 3x on dining!"

Cool.

I need to spend $20,000 to earn enough points for a $600 flight?

That's not a reward.

That's just spending money with extra steps.

I've had clients tell me they opened 6 credit cards in one year, chasing sign-up bonuses, trying to game the system.

And now they're juggling payment dates, annual fees, and point expiration dates like it's a part-time job.

(Some are scared to close accounts because it'll affect their credit score)

All to save $400 on a vacation they could've just paid for.

If you're spending money you wouldn't normally spend just to earn points, you're not winning. You're getting played.

Pick one card, use it for everything, pay it off every month.

And if you want to travel, save the cash.

Points aren't free money. They're a loyalty tax disguised as a reward.

Every other Friday, you wait for that $5,231 paycheck.

But by Monday... that paycheck goes poof.

It's a repeat of the same things:

You worked late nights.
Put in weekend hours.
Closed the deal that finally hit your quota.

Payday arrives—
And quicker than that, the $$$ disappears.

Because here’s what happens:

→ The Chase bill hits.
→ The car payment auto-drafts.
→ Groceries, daycare, travel... all waiting in line.

By Monday morning, you’re already stressed about how to stretch what’s left.

This isn’t carelessness (well maybe a bit..)

But mostly, it’s a missing skill.

Because *earning money* and *managing money* are two completely different games.

One fills your account. The other builds your freedom.

Without a cash flow system, the cycle repeats:

• Direct deposit in on Friday.
• Expenses drain it by Monday.
• Anxiety fills the rest of the month.

What's worse? 
You can’t out-earn disorganization.

Most Sales clients making over $200,000, don’t need more money, they want it.

But they NEED a structure that makes cash flow predictable, month after month.

What's your cash flow management look like?

DM me "FLOW" and I’ll show you how to finally keep more of what you earn.

Growth Partner for 7-Figure CPA Firms | Ads & AI Automations Helping Firms Grow from $1M → $3M+ | Built 7–8 Fig Businesses | Ex-Private Banker | Founder | Investor

Most firm owners are brilliant at their craft.

But when it comes to growing their own business? They're lost.

Not because they're not smart enough. Because nobody ever taught them how to build a growth engine. So they duct-tape things together. They hire an agency that promises everything and delivers nothing. They lean on referrals and pray that next month looks like last month.

I've had this conversation hundreds of times. And every time, the frustration is the same.
I started BespokeAI because I kept seeing the same pattern: talented founders building great firms that were completely dependent on luck, relationships, and their own hustle. No system. No predictability. No real asset.

I wanted to fix that.

Today, I work with $1M-$10M CPA, CFO, and Financial Services firms to build what most of them have never had: a real, scalable growth engine. One that generates qualified conversations consistently, without the founder being the only rainmaker in the room.

This isn't marketing. It's infrastructure.

My Background:

15+ years scaling businesses. Ex-Private Banker. Founder and Investor through Black Sterling Group, a holding company focused on acquiring and scaling professional services businesses. I've sat on both sides of the table, building businesses and evaluating them. I know what makes a firm valuable, and I know what keeps most of them stuck.

How We Work:

FOUNDERS

Building a growth engine: We design and install your Revenue Operating System™,  the marketing, sales, and automation infrastructure that turns unpredictable growth into a repeatable process.
Preparing for scale: We audit your current business, identify the biggest leverage points, and build the roadmap to get you from where you are to where you want to be.

INVESTORS

Black Sterling Group is actively building a portfolio of CPA, CFO, and Financial Services firms. If you are an investor, family office, or operator interested in the professional services acquisition space, I would like to connect.

Our Mission:

To build the systems that turn founder-led firms into high-value, scalable assets and give founders back the confidence to grow on their own terms.

seshan@bespokeai.io 
seshan@blacksterlinggroup.com

Seshan (Say-Shawn) Nissanka

Your close rate doesn't matter.

I said it to a 7-figure CFO firm owner last week.

He didn't like it. Then I showed him the math.

A CFO firm owner told me something on a call last week.

"Just put me in front of anybody. I can close the deal."

He's right. He can close.

But that's not his problem.

Most firm owners think closing is the hard part.

It's not.

Getting in front of the right person is.

He had 15 clients.

All from referrals.

Zero control over where the next one came from.

World-class closer.

No one to close.

Here's what that actually costs you.
You spend 80% of your energy getting good at the sale.
And zero percent building the system that fills the room.

So here's what to do this week.

Step 1. Write down exactly who your best client is. Industry. Revenue. Pain point. One sentence.

Step 2. Find 10 of them on LinkedIn today. Not tomorrow. Today.

Step 3. Send them one message. Not a pitch. One line about their specific problem.

Step 4. Do this every single day for 30 days.

You don't need to get better at closing.

You need more rooms to walk into.

Closing is a skill.

Deal flow is a system.

One runs out.

The other compounds.

Seshan  Nissanka

I Build Revenue Operating Systems for $1M-$10M CPA and CFO Firms | Growth Partner | Ex-Private Banker | 15 yrs Scaling Businesses

I got lazy with LinkedIn.

I grew my account from 250 followers to 10k+.

Some posts hit 800k-1M impressions.

DMs were active.
My calendar had booked calls.

And then something happened.

My ego got in the way.

I got comfortable.
I got complacent.
I got lazy.

I started relying on AI-generated content.
I stopped being consistent.
I stopped sending DMs.

I thought I had built a machine that could run on its own.

I was wrong.

The inconsistency killed momentum.

Impressions dropped.
Conversations slowed down.
Spam messages replaced real ones.

That experience taught me a few things about LinkedIn:

• LinkedIn is a relationship platform first. 
• Consistency beats talent every time. 
• Engagement drives distribution.
• Real, raw content cuts through the AI noise.
• DMs will outperform content every time.

Content opens the door.

Conversations create the opportunity.

If you’re struggling on LinkedIn, the answer usually isn’t the algorithm.

It’s the work.

The upside is massive.

But the platform rewards the people who keep showing up.

Building Revenue OS to Grow & Exit Founder-Led CPA & CFO Firms | Founder | Ex-Private Banker

March 2023, I almost ended it all.

Then I remembered who I was really working for.
 
March 2023.
 
I was working for a portfolio company.
 
20-hour days.
 
Nothing I did was good enough.
 
The organization was in chaos:
 
• No infrastructure
• No appreciation
• No end in sight
 
I remember one night, sitting alone, thinking:
 
"What's the point?"
 
I'd left private banking to build something meaningful.
 
But I'd traded one nightmare for another.
 
And this time?
 
I couldn't see a way out.
 
That night, I opened my Bible.
 
Matthew 11:28-30:
 
"Come to me, all you who are weary and burdened, and I will give you rest."
 
And something broke.
 
I realized:
 
I'd been building for the wrong master.
 
I was trying to prove something to:
 
• My old colleagues
• The guy who didn't appreciate me
• Myself
 
But that's not why I left banking.
 
I left because I wanted to build something that mattered.
 
Not just survive someone else's chaos.
 
So I made a decision:
 
Stop working for people who don't value you.
 
Start building for the One who does.
 
That shift changed everything.
 
Because when you're building for ego?
 
You'll take any client.
 
Work any hours.
 
Accept any treatment.
 
Just to prove you can.
 
But when you're building for the Kingdom?
 
You get to choose.
 
Choose who you work with.
 
Choose what you build.
 
Choose who you help.
 
That's why I started BespokeAI and Black Sterling Group. 
 
Not to be the biggest agency and HoldCo. 
 
But to build something that honors God by serving people well.
 
Every client I take on now, I ask:
 
"Is this person building something that matters?"
 
"Are they faith-driven?"
 
"Will this partnership honor God?"
 
If the answer is no, I pass.
 
Because I've worked for the wrong people.
 
I've built for the wrong reasons.
 
And I almost didn't make it out.
 
Now?
 
I only work with founders who are building for something bigger than themselves.
 
Founders who:
 
• Value people over profit
• Build with integrity
• Understand that business is a ministry
 
Because when you're building for the Kingdom?
 
Everything else falls into place.
 
The strategy.
 
The partnerships.
 
The mission.
 
And honestly?
 
That's the only kind of founder I want to work with.
 
Are you building for ego or for eternity?

Co-Founder & CEO

Founder & Principal

Business Growth & Operator

Business Development

Private & Business Banker

The growth guy for $1M+ CPA, CFO & Financial Services Firms | Ex-Private Banker | Founder & Investor

I walked away from a six-figure salary.

Everyone said I was crazy.

They weren't wrong.

Private banking.

Good money.
Stable job.
Safe path.

My colleagues thought I had it made.

But every morning I walked in and thought the same thing.

"I'm building someone else's dream."

I was good at the job.

I knew finance.

I could read a P&L in minutes.

I spoke ROI. I spoke enterprise value.

But I wasn't building anything.

I was just maintaining.
And that was slowly killing me.

So I made a choice.

Leave the safety. Build something real.

People came out of the woodwork.
"You're throwing away a great career."
"You have no idea what you're doing."
"Just stay. It's safe."

But here's what I knew.

Safe and alive are not the same thing.

I could stay 30 more years.
Collect the pension.
Never take a risk.

And die wondering what if.
Or I could leave.

Build from zero.
Risk it all.

And actually feel something.
I chose to feel something.

I started this journey. 
Not for the money.
For the mission.

Now I work with firm owners every day who are stuck in the same place I was.
Not in banking.
In their own firms.

Maintaining instead of building.

Playing it safe instead of scaling.

The world has enough people who play it safe.

It needs more people willing to bet on themselves.

Ever walked away from safe to build something real?

I Grow & Acquire Founder Led CPA & CFO Firms | Ex-Private Banker

80% of CPA firm owners will never take their pipeline seriously.
Until it's too late.

This is what I hear on almost every discovery call:


"I have more referrals than I can handle right now."

"I'm buried. I can't even onboard 2-3 new clients."

"I don't need a growth engine. I have referrals. I'll turn it on when I need it." 

"It's tax season." (My personal favorite.)


And I get it.

Tax season is brutal.

You're filing returns until midnight. 

You're chasing clients for documents they should have sent in January. 

You're putting out fires that exist because there's no documented process. 

You're doing the work, all of it because the team can't without you.


And when you finally come up for air in May?

The pipeline is empty. 
The referrals dried up while you had your head down. 
And suddenly everyone is calling agencies, asking about LinkedIn Ads, wondering why leads aren't coming in.

Here's the uncomfortable truth:

You cannot turn on a growth engine in 30 days. 
A pipeline takes months to build. 
The firm owners who have predictable revenue right now started building during their busiest season, when they felt like they didn't need it.

A few things I know from 60+ conversations with firm owners:

The busy work trap is real. 
Website updates, extra meetings, internal coaching, all of it feels productive. 
None of it generates revenue. Busy is not the same as effective.

Marketing is not what you think it is. 
It's not ads.
It's not a rebrand. 
It's messaging, positioning, and a clear offer in front of the right people. 

That's the whole thing.

One referral source retiring can cut your pipeline in half. 

Most firms have 2-3 sources. 
That's not a strategy. 

That's a single point of failure.

The slow season panic is predictable. 

Every year, the same firms who said they didn't need help are the ones scrambling in Q3. 
Every year.

Common challenges I see:

- No documented process for bringing in new clients outside of referrals. 

- No clear offer that can be communicated without a 45-minute discovery call. 

- No follow-up system for warm leads that went cold. 

- No pipeline data, so they can't even see the problem until it's already a crisis.


Success is built on timing, consistency, and infrastructure.

Not on waiting until the pain is bad enough to act.

The question isn't whether you need a growth system.

You do.

The question is whether you'll build it now or wait until slow season forces your hand.

Which one are you?

This prompt saves CPA and CFO firm owners 3 hours a week.
Most firm owners have no idea which clients are about to leave.

They find out when the client goes quiet.
Or sends the "we're going in a different direction" email.
By then, it's too late.

Here is the prompt I use to fix that.
Copy this exactly into ChatGPT with your client data:

"Act as a CFO advisor. Review this client list and identify which clients have the highest churn risk based on engagement frequency and revenue trend. Flag the top 3 and explain why."

What comes back is a prioritized list.
The clients you need to call this week.

Before they start looking elsewhere.

You are not replacing your judgment.

You are just making sure nothing falls through the cracks.

Most firms lose clients not because the work was bad.

But because nobody was paying attention at the right time.

AI does not get tired. It does not forget.

It just flags what you already know but haven't looked at in 30 days.

Try it this week. Takes 10 minutes to set up.

What would you do with 3 extra hours every week?

P.S. The firms that figure out how to use AI for client retention first are going to have a serious edge over the ones still doing it manually. That gap is opening right now.

Your referral network is not a pipeline.

It is a single point of failure acts up as a strategy.

Here is what this actually looks like inside a $2M firm.

80% of revenue comes from 3 clients.

Those 3 clients came from 2 relationships.

Those 2 relationships are 6 years old.

Nobody built that. It just happened.
And now the entire firm depends on those relationships staying warm.

No new channel. No system. No control.

Just hope that the phone keeps ringing.
I see this in almost every firm I talk to.

The work is excellent. The delivery is tight.

But the growth engine was never built.

So here is the one thing to do today.
Pull up your CRM.
Filter every client by source.
Add up the revenue from referrals only.

If that number is above 60% of your total revenue, 
you do not have a growth strategy.

You have a dependency.

And dependencies do not scale. They collapse.

What does your number look like?

Drop it in the comments. 

P.S. The CRM audit takes 10 minutes. The existential crisis that follows is free. lol

Building Revenue OS to Grow & Acquire Founder-Led CPA & CFO Firms | Founder | Ex-Private Banker

My RevenueOS Framework for CPA & CFO Firms.
Method to the engine that scales with you

60+ conversations with firm owners doing $1M-$10M. 

Same three problems. 
No system to fix them.
 
 
𝗖𝗼𝗺𝗽𝗼𝗻𝗲𝗻𝘁 𝟭: 𝗧𝗵𝗲 𝗔𝗰𝗾𝘂𝗶𝘀𝗶𝘁𝗶𝗼𝗻 𝗘𝗻𝗴𝗶𝗻𝗲
 
Most firms don't have one. They rely on hope and wishful thinking. 
 
No defined ICP. They serve everyone and attract no one. 
No USP. "We're relationship-focused." So is every other firm. 
No repeatable channel. 
57% of CPA firms run entirely on referrals.
 
Fix it by answering three questions before spending a dollar on marketing: 
1. Who exactly do you serve? 
2. What problem do you solve for them? 
3. Why you, not the firm down the street?
 
 
𝗖𝗼𝗺𝗽𝗼𝗻𝗲𝗻𝘁 𝟮: 𝗧𝗵𝗲 𝗖𝗼𝗻𝘃𝗲𝗿𝘀𝗶𝗼𝗻 𝗦𝘆𝘀𝘁𝗲𝗺
 
Most firms are bleeding here and don't know it.
 
78% of clients sign with the firm that responds first. 
Most CPA firms respond when they have capacity. 
By then, the deal is gone. 
The average B2B sale requires 5-8 follow-up touches. 
Most owners follow up once and move on. 
No documented sales process. 
Every call is improvised. 
Every proposal built from scratch.
 
Fix it with three things: 
1. A response SLA same day, no exceptions.
2. A follow-up sequence - at least 5 touches, automated where possible. 
3. A discovery call framework, same questions, same structure, every time.
 

𝗖𝗼𝗺𝗽𝗼𝗻𝗲𝗻𝘁 𝟯: 𝗧𝗵𝗲 𝗜𝗻𝘁𝗲𝗹𝗹𝗶𝗴𝗲𝗻𝗰𝗲 𝗘𝗻𝗴𝗶𝗻𝗲
 
Most firm owners are making growth decisions on gut feel.
 
They can't answer: 
Where did my last 10 clients come from? 
What is my close rate on discovery calls? 
Which service line has the highest margin?
 
Without that data you're not running a business. 
You're running on feelings. 
 
Fix it by tracking three numbers weekly: 
1. Lead source. 
2. Pipeline value. 
3. Close rate.
 
Three numbers. 
Reviewed weekly. 
It will change how you run every conversation.

 
Every quarter, run your firm through this framework.
 
Where is your Acquisition Engine leaking? 
Where is your Conversion System breaking down? 
Where is your Intelligence Engine flying blind?
 
The firms growing predictably right now are not smarter than you.
 
They just stopped leaving growth to chance.
 
A referral is luck. A system is an asset.
 
P.S: Which component is the biggest gap in your firm right now? 
Acquisition, Conversion, or Intelligence? 
Drop it below.

You're closing 40% of your leads.
 
That sounds great.
 
Until you realize the real problem.
 
I talked to a 7-Fig firm yesterday.
 
They close 40% of the leads they get.
 
That's 𝘄𝗮𝘆 𝗮𝗯𝗼𝘃𝗲 industry average.
 
Most firms close 10-20%.
 
So they should be crushing it, right?
 
Wrong.
 
Here's what they said:
 
"We're pretty consistent on our closing percentage. But the leads go up and down every month."
 
Let me translate that:
 
𝗧𝗵𝗲𝘆 𝗰𝗮𝗻 𝗰𝗼𝗻𝘃𝗲𝗿𝘁. 𝗧𝗵𝗲𝘆 𝗷𝘂𝘀𝘁 𝗰𝗮𝗻'𝘁 𝗴𝗲𝗻𝗲𝗿𝗮𝘁𝗲.
 
This is the trap I see everywhere:
 
Firm owners celebrate their close rate.
 
"We close 40%! We're great at sales!"
 
But they ignore the real bottleneck:
 
𝗬𝗼𝘂 𝗼𝗻𝗹𝘆 𝗴𝗲𝘁 𝟱𝟬-𝟴𝟬 𝗹𝗲𝗮𝗱𝘀 𝗽𝗲𝗿 𝗺𝗼𝗻𝘁𝗵.
 
All referrals.
 
All unpredictable.
 
So your "40% close rate" doesn't matter.
 
Because you can't control the input.
 
Here's the math:
 
𝗦𝗰𝗲𝗻𝗮𝗿𝗶𝗼 𝟭: 𝗥𝗲𝗳𝗲𝗿𝗿𝗮𝗹-𝗱𝗲𝗽𝗲𝗻𝗱𝗲𝗻𝘁
 
• 60 leads/month (unpredictable)
• 40% close rate
• = 24 new clients/month (maybe)
 
𝗦𝗰𝗲𝗻𝗮𝗿𝗶𝗼 𝟮: 𝗚𝗿𝗼𝘄𝘁𝗵 𝗲𝗻𝗴𝗶𝗻𝗲
 
• 150 leads/month (predictable)
• 25% close rate
• = 37 new clients/month (guaranteed)
 
See the difference?
 
𝗔 𝗹𝗼𝘄𝗲𝗿 𝗰𝗹𝗼𝘀𝗲 𝗿𝗮𝘁𝗲 𝘄𝗶𝘁𝗵 𝗮 𝗽𝗿𝗲𝗱𝗶𝗰𝘁𝗮𝗯𝗹𝗲 𝘀𝘆𝘀𝘁𝗲𝗺 𝗯𝗲𝗮𝘁𝘀 𝗮 𝗵𝗶𝗴𝗵 𝗰𝗹𝗼𝘀𝗲 𝗿𝗮𝘁𝗲 𝘄𝗶𝘁𝗵 𝗻𝗼 𝗰𝗼𝗻𝘁𝗿𝗼𝗹.
 
The 7-8 Fig firm owner gets this.
 
But he's been stuck in the referral trap for 25 years.
 
And every accounting conference he goes to?
 
Nobody's solved it.
 
So here's my challenge:
 
Stop optimizing your close rate.
 
Start building your 𝗹𝗲𝗮𝗱 𝗴𝗲𝗻𝗲𝗿𝗮𝘁𝗶𝗼𝗻 𝗲𝗻𝗴𝗶𝗻𝗲.
 
Because you can't scale what you can't control.
 
Agree?

The most common thing I hear on discovery calls?
"We tried marketing before. It didn't work."

And every single time, I ask the same follow-up.

"What did you try?"

The answers are always some version of this.

Hired an agency. Ran some ads. Posted on LinkedIn for a few months.
Spent somewhere between $5K and $30K.
Got a few leads. Nothing closed.
Stopped doing it.

Then they went back to referrals.
And called it a day.

Here is what I never hear them say though.
"We had a clear offer that spoke to one specific type of client."
"We knew exactly what problem we solved and for who."
"We tracked every lead and knew our close rate."

Not once.

Because that work was never done.

So the marketing didn't fail.

The foundation wasn't there.

You can't pour traffic into a broken container and expect it to hold.

Most firms that say "marketing doesn't work for us" actually mean
"we skipped the hard part and hoped the channel would fix it."

It never does.

The channel is the last thing you build.

Not the first.

Have you ever stopped a marketing effort and gone back to referrals?

What made you pull the plug?

P.S. I have never met a firm owner who regretted slowing down to fix the foundation. I have met plenty who regretted not doing it sooner.

Most CPA firm owners will never sell their firm.
Not because nobody wants to buy it.

Because there is nothing to buy.

A firm built around one person is not a business.
It is a job with a logo.

Buyers do not pay multiples for jobs.

They pay multiples for systems. Recurring revenue. Transferable client relationships. A team that runs without the founder.

Here is the hard truth.
If you walked away tomorrow, 
would the firm still generate revenue next month?

Most owners already know the answer.

They just don't like it.

The firms that sell for 4 to 8x revenue have a few things in common.

Revenue that does not depend on one person.
A client base that is spread across many, not concentrated in a few.
A team that delivers without the founder on every call.
A pipeline that generates new clients without referrals.

None of that happens by accident.

It gets built on purpose, years before the exit.

The best time to start building a sellable firm was 5 years ago.
The second-best time is right now.

What would your firm be worth if you tried to sell it today?

P.S. Most owners ask me this question in year 12 of a 15-year plan. The answer is usually uncomfortable. But at least we still have time to fix it, unlike their retirement timeline.

I love how skeptical traditional CPA firm owners get.
 
It's fascinating. And sad.
 
They've been in business 10, 20, 30 years.
 
Built a solid reputation.
 
Probably pulling $1M-$3M in revenue.
 
But ask them about:
 
• Selling for a 3x-5x multiple
• Building systems that don't require them
• Using tech to automate delivery
 
And they look at you like you're speaking a different language.
 
"That won't work in accounting."
 
"Our clients expect to talk to me."
 
"We've always done it this way."
 
I don't blame them.
 
They trained for years to be 𝘁𝗲𝗰𝗵𝗻𝗶𝗰𝗶𝗮𝗻𝘀.
 
Nobody taught them to be 𝗲𝗻𝘁𝗿𝗲𝗽𝗿𝗲𝗻𝗲𝘂𝗿𝘀.
 
So they built what they know:
 
𝗔 𝗵𝗶𝗴𝗵-𝗽𝗮𝘆𝗶𝗻𝗴 𝗷𝗼𝗯.
 
• Growth = more grind
• Billable hours = revenue ceiling
• Time off = firm stops
 
Meanwhile?
 
Firms that started 𝟯 𝘆𝗲𝗮𝗿𝘀 𝗮𝗴𝗼 are hitting $3M-$5M in ARR.
 
Selling for 5-7x multiples.
 
Taking months off.
 
How?
 
𝗧𝗵𝗲𝘆 𝗯𝘂𝗶𝗹𝘁 𝗮 𝗺𝗮𝗰𝗵𝗶𝗻𝗲, 𝗻𝗼𝘁 𝗮 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝘁𝗵𝗮𝘁 𝗿𝘂𝗻𝘀 𝗼𝗻 𝘁𝗵𝗲𝗺.
 
They focus on:
 
• Systems (not heroics)
• Client lifetime value (not billable hours)
• Enterprise value (not just this year's P&L)
 
The traditional guys have talent.
 
But they have 𝗻𝗼 𝗶𝗺𝗮𝗴𝗶𝗻𝗮𝘁𝗶𝗼𝗻.
 
They can't fathom that a different model exists.
 
And honestly?
 
That's what's broken in this industry.
 
Not the skill.
 
𝗧𝗵𝗲 𝘁𝗵𝗶𝗻𝗸𝗶𝗻𝗴.
 
CPA and CFO firms are recession-proof.
 
But being recession-proof doesn't mean being 𝘃𝗮𝗹𝘂𝗮𝗯𝗹𝗲.
 
If you want to build something that actually sells?
 
Stop thinking like an accountant.
 
Start thinking like a CFO of your own firm.
 
What do you think?

Everyone wants a bigger exit, but nobody wants to actually fix the engine.

Funny how owners obsess over revenue, yet ignore everything under the hood that actually drives enterprise value.

Let's get clear: investors don't care how "busy" you are. They care if your firm can print money without you in the room.

Want to attract the right buyers (and the right multiple)? Here's what actually works, but almost nobody does:

- Documented processes. Show me a checklist for how you onboard new clients. If it lives in your head, you're in trouble.
- Predictable pipeline. If you need rain to make rain, your valuation gets cut in half. Investors want to see leads flow in without you holding an umbrella.
- Consistent delivery. When new clients ask, "What happens after I sign?" you need a real answer. Templates, workflows, and accountability. Not just hope.
- Real-time reporting. If you're running blind, so are buyers. The more granular your metrics, the higher your price tag.
- Team autonomy. If every decision bottlenecks with you, you're not selling a business, you're selling yourself a job with handcuffs.

The market is ruthless. Acquirers pick apart "referral-dependent" firms and shave down your earn-out for every process gap they find.

Keep pretending, and your EBITDA multiple is a fairy tale.

Get operationally tight, and you have leverage.

So, are you building a business?

Or are you just building a job with your name on the door?

Tag a partner who still thinks "winging it" is a strategy.

I've seen this too many times.

Deal goes quiet. Owner panics. Drops the rate.

Then spends the next 12 months regretting it.

Here is what actually happened.

The prospect did not understand the outcome they were buying.

That is not a pricing problem. That is a conversion problem.

Most firm owners do not have a documented way to sell. 

No process. 
No framework. 
No system for connecting what they charge to what the client actually gets.

So when the deal stalls, the only lever they know how to pull is the price.

Inside the Conversion Engine, we fix this with one shift:

Stop selling your time. Start selling the outcome.

Before you drop your rate, ask this:

"What would it mean for your business if this problem was solved in the next 90 days?"

Let them answer.

Then attach your price to that number. Not your hours. Their outcome.

When the price is tied to something they care about, it stops feeling expensive.

It starts feeling obvious.

The firms that close at full rate are not better at negotiating.

They have a repeatable conversion process that makes the value clear before the price ever comes up.

That is what the Conversion Engine is built to do.

P.S. The clients who negotiate hardest before the engagement starts are usually the ones who make you question your rates at 11pm on a Tuesday. Just something I've noticed.

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