Toptal Finance Expert
Remote or On-site? The Real Cost of Office Space for a Venture-backed Startup
For funder-backed startups, brick-and-mortar offices cost more than just money–they dilute founder equity.

Erik Stettler
Erik is a co-founder of a global venture capital fund that has invested in 50 startups (raising more than $500 million) and has realized six exits. He serves as Toptal’s Chief Economist.
5 Key Tips for Smarter Sales and Operations Planning Implementation
S&OP can help a company create a long-term business plan to address supply chain disruptions. Make the most of this useful process with these updated best practices.

Juan Franco
Juan is a management consultant and expert in strategy, business planning, and process improvement who has helped implement S&OP at companies in multiple industries in Latin America. He has 20 years of experience as a senior and advisory manager for corporations including Mondelez International, Yanbal International, and PwC.
Better Digital Banking Through Data Analytics
Banks haven’t seen the savings expected from the transition to digital products and services. A leading consultant for some of the largest US banks shares his step-by-step plan for using smarter customer data analytics to slash costs and improve customer satisfaction.

Mohamed Zarrugh
Mohamed is a finance expert who has held executive internal consulting roles at JPMorgan Chase and Wells Fargo, transforming operations and saving the companies as much as $180 million yearly. He specializes in strategic planning, performance management, and process improvement initiatives.
Digital Ledgers vs. Databases: Can Blockchain Optimize Your Supply Chain?
Blockchain isn’t just for cryptocurrency. The technology can also be used to make supply chain management more efficient, transparent, and secure. Here’s how.

Neil Mann
Neil is a business transformation expert and management consultant with more than 20 years of experience across the financial services, natural resources, hospitality, and fast-moving consumer goods sectors. He has created and implemented digital ledger technology solutions at Kearney and global mining group Rio Tinto, and is a board advisor for LogChain, a digital supply chain logistics platform.
The KPI Cure: How Healthcare Data Analytics Can Improve Medical Center Finances
Runaway costs have plagued the US healthcare system for decades, and providers are always looking for ways to increase efficiency without jeopardizing care. Developing smarter key performance indicators can help.

Sean Heberling
Sean is a Chartered Financial Analyst who serves as the founder and CEO of Marion Street Capital, a management consulting firm that has saved healthcare providers millions through the development of KPIs. Previously, he worked at Morgan Stanley and BNY Mellon. Sean has analyzed 10,000+ companies, built complex models, and helped facilitate investment transactions totaling in excess of $1 billion. Additionally, he is on the boards of several companies, advising on operations, growth strategy, and fundraising.
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Name Your Price: 4 Counterintuitive Pricing Strategy Tips
Rising inflation means it’s crucial for managers to pay close attention to pricing. Toptal finance expert Kalil Rodrigues shares four outside-the-box tips for optimizing your pricing strategy.
Kalil Gebrim Rodrigues
Kalil is a corporate strategist, finance expert, and business consultant. An alum of Bain & Company and global aerospace firm Embraer, he has also led strategic initiatives at Nubank, a Latin American fintech leader with more than 50 million customers across Brazil, Mexico, and Colombia. Kalil is an expert in pricing models, revenue and expense projections, forecasting, financial modeling, and mergers and acquisitions.
Supply Chain Lessons and Opportunities: Notes on a Crisis
The supply chain crisis has caused global players and local businesses alike to rethink logistics networks. Here’s how the world economy can emerge stronger and more resilient.

Zachary Elfman
Zachary is an expert in financial modeling, fundamental analysis, and valuation. He has completed the sale of a small business, advised on early-stage funding rounds, and acted as interim CFO for startup companies. He holds a master’s degree in economic history from the London School of Economics and Political Science.
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