Bernardo S.

I help CEOs, business owners and management teams make better financial decisions through robust financial models, forecasts, and scenario analysis. I’m a Digital Finance Consultant specializing in financial modeling, FP&A, forecasting, business planning, and decision support for established businesses. 𝐖𝐇𝐀𝐓 𝐈 𝐂𝐀𝐍 𝐇𝐄𝐋𝐏 𝐘𝐎𝐔 𝐒𝐎𝐋𝐕𝐄 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐌𝐨𝐝𝐞𝐥𝐢𝐧𝐠 & 𝐏𝐫𝐨𝐣𝐞𝐜𝐭𝐢𝐨𝐧𝐬 — build dynamic, driver-based models around the economics of your business 𝐒𝐜𝐞𝐧𝐚𝐫𝐢𝐨 & 𝐒𝐞𝐧𝐬𝐢𝐭𝐢𝐯𝐢𝐭𝐲 𝐀𝐧𝐚𝐥𝐲𝐬𝐢𝐬 — quantify the impact of different decisions, assumptions, risks, and growth scenarios 𝐁𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠 & 𝐅𝐨𝐫𝐞𝐜𝐚𝐬𝐭𝐢𝐧𝐠 — develop structured P&L, cash flow, and operational forecasts 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐂𝐚𝐬𝐞𝐬 & 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐀𝐧𝐚𝐥𝐲𝐬𝐢𝐬— assess expansions, new business lines, investments, hiring plans, and strategic initiatives 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐏𝐥𝐚𝐧 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥𝐬 — develop clear and defensible financial projections for management, lenders, boards, or investors 𝐅𝐏&𝐀 & 𝐃𝐢𝐠𝐢𝐭𝐚𝐥 𝐅𝐢𝐧𝐚𝐧𝐜𝐞— improve how your business plans, forecasts, reports, and uses financial information 𝐍𝐎𝐓 𝐉𝐔𝐒𝐓 𝐀 𝐒𝐏𝐑𝐄𝐀𝐃𝐒𝐇𝐄𝐄𝐓 A good financial model should help management answer questions such as: - Can we afford this investment? - What happens if sales are 20% below plan? - How much cash will this expansion require? - When does this new business line break even? - Which assumptions have the biggest impact on profitability? I start by understanding the business, the decision being made, and the key financial and operational drivers. I then structure those into a model that is: - financially robust and internally consistent - transparent and easy to understand - simple to update as assumptions change - designed for scenario and sensitivity analysis - focused on the decisions management actually needs to make My professional background is in Digital Finance, FP&A, financial planning, and management consulting, including enterprise finance transformation work and previous experience at Deloitte. I’m particularly well suited to 𝐞𝐬𝐭𝐚𝐛𝐥𝐢𝐬𝐡𝐞𝐝 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬𝐞𝐬 𝐭𝐡𝐚𝐭 𝐧𝐞𝐞𝐝 𝐬𝐞𝐧𝐢𝐨𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐞𝐱𝐩𝐞𝐫𝐭𝐢𝐬𝐞 𝐟𝐨𝐫 𝐚 𝐬𝐩𝐞𝐜𝐢𝐟𝐢𝐜 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧, 𝐩𝐫𝐨𝐣𝐞𝐜𝐭, 𝐨𝐫 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐜𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞 𝐰𝐢𝐭𝐡𝐨𝐮𝐭 𝐡𝐢𝐫𝐢𝐧𝐠 𝐚 𝐟𝐮𝐥𝐥-𝐭𝐢𝐦𝐞 𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐭𝐞𝐚𝐦. If you need a finance expert to structure the numbers behind an important business decision, I can help. Expertise: Digital Finance | Financial Modeling | FP&A | Financial Forecasting | Financial Projections | Scenario Analysis | Sensitivity Analysis | Budgeting | Cash Flow Forecasting | Business Planning | Business Cases | Investment Analysis | Management Reporting | Excel | Google Sheets