FINANCIAL HEALTH DIAGNOSTIC

You built this business. You shouldn’t have to run it in the dark.

A CFO-led review that surfaces what’s really happening in your numbers—with a clear, prioritized action plan. Delivered in two weeks. No ongoing commitment.

Something feels off
—but you can’t put your finger on it.

You’re carrying full responsibility for this business, and most leaders are doing it without the financial visibility they need; relying on people who weren’t built for this level of oversight.

Your bookkeeper and CPA handle what happened. Neither is watching what’s ahead — your cash flow risk, your control gaps, the numbers you actually need to decide with confidence. That’s the gap where businesses get hurt.

The Financial Health Diagnostic closes it. You’ll be able to:

  • Understand what your numbers mean — and what’s ahead
  • Uncover hidden risks and start to mitigate them
  • Make confident decisions based on data, not instinct
  • Avoid costly hesitation
  • Get a clear financial story, not just a report

“This is how every engagement I take on begins —because you can’t fix what you can’t see. Before any strategy, any forecasting, any decision-making support, we need an honest, accurate picture of where things actually stand. That’s not just a good starting point. It’s the only starting point.”

This is for you if...

  • You’re making decisions on instinct because the numbers don’t give you real confidence
  • You’re carrying full financial responsibility—often alone
  • You’ve never had a senior financial expert review your business end-to-end
  • You’re approaching a major inflection point—a hire, investment, loan, or transaction
  • You want to get ahead of problems, not react to them
What we review

A structured look at three critical areas

Financial Statements

P&L, balance sheet, and cash flow reviewed for accuracy, red flags, and performance insight beyond what happened.

Processes & Controls

Month-end close, reporting cadence, internal controls, and segregation of duties. Where are the gaps that create financial, operational, or fraud risk?

Systems & Team

Accounting systems and finance team structure. Where is complexity outpacing capability?

What You Receive

A clear, prioritized report— written for a CEO, not an accountant

Within two weeks you’ll receive a written report and a live readout with Jessica—not a spreadsheet dump, but a clear picture of what’s happening, what it means, and what to do next. Your report includes:

  • A prioritized risk register, ranked by likelihood and financial impact
  • Opportunities to improve cash flow, margins, or operational efficiency
  • Findings on internal controls and process gaps including fraud risk
  • A sequenced action plan with clear next steps
  • An executive readout meeting to walk through findings and answer your questions

What this is not

Not an audit. Not a spreadsheet dump. The report is written for business owners who need to make decisions, not for accountants.

What changes after

You’ll know your actual financial position, what to fix and in what order, and you’ll have a partner invested in helping you get there.

Ready to see your business clearly?

Why it matters

The decisions you make without clear data are the ones that hurt the most

Financial problems rarely announce themselves. They build quietly in reconciliation errors, controls that haven’t kept pace, reporting that’s accurate but strategically useless. Without senior-level oversight, the consequences compound:

  • Suboptimal decisions driven by instinct, not data
  • Cash flow crises that better visibility could have prevented
  • Fraud or financial loss from weak internal controls
  • Growth that stalls because the financial infrastructure couldn’t keep up
  • Missed financing because the numbers weren’t lender-read
The Diagnostic is the moment you stop operating with financial blind spots—and start deciding from a position of clarity, control, and confidence.

Investment

$7,500
Flat fee. Delivered within 2 weeks of kick-off. No ongoing commitment required.
Promotional pricing may be available—ask about current rates when you book your discovery call.

How it works

Simple process. Serious results.
1

Discovery Call

Free 30-minute call to understand your situation, confirm fit, and outline scope.

2

Kick-Off & Deep Dive

We align on scope, gather access to financial data and systems, and begin the review.

3

Report Delivered

Written diagnostic report with risk register, opportunities, and action plan within two weeks.

4

Readout Meeting

Live walkthrough of findings. Ask questions, prioritize actions, and decide what comes next —with or without continued support.

Frequently Asked Questions

Your CPA handles tax compliance and historical accuracy. This looks forward—at risk, controls, operational gaps, and whether your financial infrastructure can support your goals.

It fits most privately held businesses. A small number of highly specialized industries may not be a match—the discovery call will confirm.

Entirely your call. The report is yours to use however you choose—some clients continue with fractional support, others act independently. No pressure either way.

Recent financial statements (P&L, balance sheet, cash flow), budgets/forecasts and access to your bookkeeper or controller. We keep the lift on your end minimal.

You don’t have to carry this alone.

The Financial Health Diagnostic is your first step toward financial clarity, confidence, and control. Book a free 30-minute discovery call—we’ll confirm fit before anything else.

Jessica Nikolich, CPA

Founder & Strategic CFO

Founder instinct builds companies. Disciplined financial leadership scales them.

I founded Niko Financial Consulting to help growth-stage founders move from instinct-driven decisions to structured, forward-looking financial leadership—without prematurely hiring a full-time executive.

This is a boutique firm by design. I work directly with founders and executive teams across industries, embedding financial clarity into the conversations that shape the future of the business.

This work is meaningful to me because it sits at the intersection of discipline and vision—protecting what has been built while enabling what comes next.

I’m drawn to growth environments—especially the moment when a business outgrows intuition alone.

That stage is exciting—and demanding. Decisions carry more weight. Complexity increases. And the margin for error narrows. So I take this responsibility seriously.

As my client’s partner, I view myself as an extension of the leadership team. I operate in high-trust environments, where financial transparency supports—not constrains—ambition. My role is to bring structure and clarity so founders can move forward with confidence. And feel empowered in their decision making, rather than overwhelmed. 

My expertise spans both financial controllership and forward-looking strategic finance—allowing me to integrate discipline with growth.

How I work

Clients engage Niko Financial Consulting for experience and acumen—not just reporting.

You can expect:

  • Collaborative partnership with direct access to senior-level financial judgment
  • No layers, and no delegation to junior-level consultants
  • Clear, forward-looking financial modeling before capital is committed
  • Calm, empowered decision-making support during complex moments
  • Alignment among strategy, operations, and financial reality
  • Financial discipline that aligns leadership, operations, and incentives
  • Honest conversations grounded in data
  • Selective engagement model designed for depth—not volume

Professional Background:

  • Chartered Accountant (ICAEW-qualified CPA equivalent)
  • 15+ years in finance, operational, and strategic leadership
  • 12 years at Amazon, launching and scaling new products and global initiatives
  • Experience across professional services, staffing, digital platforms, retail, transportation, and nonprofit organizations
  • Former SCORE small business mentor, advising founders on financial discipline and growth strategy

“Jessica is incredibly smart and brings a strategic perspective to every discussion. More than that, she understands how to collaborate well within a team environment.”
— Greg Vollmer, President, Encore Talent Solutions [Read the full testimonial]

Entering your next stage?

It may be time to move beyond founder-led finance into a more complex phase of growth, where disciplined financial leadership becomes your strategic advantage.

[Book a free 30-minute consultation]