Financial Clarity for Business Owners

40+ years of making finance make sense

I've spent my career helping business owners understand their numbers, structure their financing, and make confident decisions about growth, cash flow, and the future of their companies. This site is where I share what I've learned.

40+ Years in Finance
MBA University of Chicago
$5M–$75M Client Revenue Range
Mar
6

Capital Stack Strategy: Structuring Your Next Acquisition

Panel moderator at ACQUICON 2026 — Gail Miller Center, Salt Lake City • Friday 9:15 AM

Read the Capital Stack guide →  •  SBA 7(a) reference →

Financial Guides

Practical knowledge for business owners—from tax strategy to cash flow to structuring a deal

What a CFO Actually Does

A CFO is not a bookkeeper. Learn the six core responsibilities, see real examples of the impact, and understand when your business needs one.

Read the article →

Budgeting and Forecasting

Stop flying blind. A practical guide to the 13-week cash flow forecast, building a budget that works, and the metrics that actually matter.

Read the guide →

Choosing Your Business Structure

LLC, S-Corp, C-Corp—what actually matters, what doesn't, and how to pick the right structure for your business and tax situation.

Read the guide →

S-Corp Owner Salaries

What the IRS expects, how they determine reasonable compensation, and why getting this wrong can cost you six figures in penalties.

Read the article →

Understanding Your Tax Obligations

Payroll taxes, sales taxes, income taxes, franchise taxes—what you owe, when you owe it, and what happens if you get it wrong.

Read the guide →

Cash Basis vs. Accrual Accounting

The difference between cash and accrual accounting, why it matters for your business, and what the IRS requires as you grow.

Read the article →

The Capital Stack

A practical guide to the layers of acquisition financing—from buyer equity to mezzanine debt. What each layer is and how to structure the right mix.

Read the guide →

Understanding SBA 7(a) Lending

A reference guide to SBA 7(a) acquisition financing—eligibility requirements, viability criteria, and structural advantages for business buyers.

Read the reference guide →
Bob Wells, CFO and financial advisor

About Bob

I'm a CFO and financial advisor who has spent over 40 years helping businesses and their owners manage the financial side of their companies.

My career started in international banking with UBS, managing Fortune 500 lending relationships from Chicago and New York. I've since worked as a full-time CFO—growing one company from $7 million to $67 million in revenue—and as a fractional CFO advising businesses across a range of industries.

I was born and raised in South America and am fluent in English and Spanish. I hold an MBA in Finance from the University of Chicago and a BS in Finance from Brigham Young University.

Today I'm a Partner at Redstone Business Consulting Group, where I advise entrepreneurs on cash flow, growth, financing, and exit planning. My sweet spot is working with businesses in the $5M to $75M revenue range.

I built this site because I believe the best way to help business owners is to share useful knowledge freely. If it's helpful, I've done my job. If you'd like to talk, I'm easy to reach.

Career Arc

  • International Banking — UBS Fortune 500 lending in Chicago & New York, built from analyst to Director
  • CFO — QRI Group, Houston Oil & gas reservoir management. Grew revenue from $7M to $67M.
  • Fractional CFO & Advisor Advising businesses across multiple industries on growth, cash flow, and strategy
  • Partner — Redstone Business Consulting Group Current: helping owners manage cash, grow, finance, and plan exits

Education

MBA in Finance — University of Chicago
BS in Finance — Brigham Young University