About Harry
Harry is the Founder of Rubric Financial. He holds an MBA from The Wharton School at the University of Pennsylvania and a master's degree in computer science, with decades of experience across finance and technology.
At Rubric, Harry leads fractional CFO and advisory engagements — helping small business owners and individuals translate their books into clear decisions. His work covers cash flow planning, owner and lender reporting, pricing and margin analysis, M&A and exit readiness, and business valuation.
Harry also leads our sister practice, StartupCFO.ai, which serves venture-scale startups with the same partner-led model.
Guides by Harry
Fractional CFO
When Does a Small Business Need a Fractional CFO?
Bookkeepers record. Accountants close and report. CPAs file. None of them help you make the next decision. That's what a CFO does.
ReadAccounting
Reading Your P&L: What Owners Should Actually Look For
The numbers your accountant hands you each month. Here's how to read past the gross totals to the signals that matter.
ReadFP&A
Building a 13-Week Cash Forecast
The single most useful financial tool for a small business. Not a budget, not a P&L — a weekly cash projection you actually use.
ReadFP&A
Pricing Analysis: Cost-Plus vs. Value-Based
Most owners price by adding margin to cost. The good ones price to the value the customer gets. Here's how to tell which approach fits.
ReadBusiness Valuation
Business Valuation Methods Explained
Three approaches — income, market, asset — and how appraisers reconcile them into a single defensible number.
ReadBusiness Valuation
Buy-Sell Agreement Valuation: What You Need to Know
When a partner exits, the buy-sell agreement decides the price. If the valuation method isn't right, the deal falls apart.
ReadFP&A
Building a KPI Dashboard Your Business Actually Uses
Most KPI dashboards are pretty and ignored. Here's how to build one with the 5–8 numbers that should drive every owner conversation.
ReadFractional CFO
Owner Compensation: Salary, Distribution, and Profit Sharing
How owner-operators should pay themselves — salary vs. distribution split, reasonable comp, retirement contributions, and how it all interacts with tax.
ReadBusiness Valuation
Estate and Gift Tax Valuation Discounts
DLOM and DLOC discounts can reduce the taxable value of a transferred business interest by 30–50%. Here's how they work and what survives IRS scrutiny.
Read