Joe is available for hire
Hire JoeJoe Coombs
Verified Expert in Management Consulting
Management Consulting Expert
Louisville, KY, United States
Toptal member since January 30, 2026
Bio
Joe Coombs is a hands-on finance operator who partners with leadership teams and sponsors to drive performance. With 12+ years of experience and 100+ transactions, he delivers clean reporting, actionable insights, and value creation plans across pricing, profitability, and operational execution, helping teams move faster with confidence.
Career Highlights
Managing Principal/CEO
Unbridled Advisory, LLC
Manager, Corporate Development Advisory
Mazars USA LLP
Case Studies
Fractional CFO Across a Multi-entity Portfolio
Fractional CFOMulti-Entity ConsolidationFinancial CloseCash FlowCash Flow ModelingCash Flow Management+ 6 more
Buy-side Quality of Earnings for a Middle-market Acquisition
Quality of EarningsM&A Due Diligence (Financial)Working Capital Management
Profitability Turnaround for a Home Services and HVAC Business
Profit OptimizationMargin OptimizationCash FlowCash Flow ManagementGrowth StrategyFinancial Planning & Analysis (FP&A)+ 2 more
Strategic Finance for a Capital-intensive, Asset-heavy Business
Cash FlowCash Flow ModelingCash Flow ManagementWorking Capital ManagementCapital AllocationInventory+ 4 more
Fractional CFO From Pre-revenue Through Series B
Pitch DecksFundraisingFundraising StrategyFundraising ConsultantFractional CFOFinancial Modeling+ 5 more
Turning Founder Vision Into a Structured Financial and Operating View
Financial ModelingUnit EconomicsMarket SizingGo-to-market (GTM) StrategyBusiness StrategyBusiness Operations+ 1 more
Post-merger Integration for a Multi-brand Holding Company
Post-merger IntegrationSynergy RealizationFinancial Systems ConsolidationStakeholder ManagementProcess MappingNetSuite+ 3 more
Software Expertise
- NetSuite
- QuickBooks Online
Other Expertise
- Corporate Development
- Cost Accounting
- Financial Modeling
- Mergers & Acquisitions (M&A)
- Operational Finance
- Strategic Planning
Work Experience
Managing Principal/CEO
2022 - PRESENT
Unbridled Advisory, LLC
- Built financial models and board-ready reporting that improved decision-making speed and strengthened investor confidence during live processes.
- Created KPI dashboards and forecasting tools that improved cash visibility and enabled proactive planning for growth-stage clients.
- Advised leadership teams through restructuring and performance turnarounds, returning distressed operations to sustainable profitability.
- Built scalable finance processes (close, reporting, and budgeting) that reduced manual work and improved accuracy across monthly reporting cycles.
- Delivered quality of earnings and diligence support that reduced buyer pushback and protected EBITDA credibility in negotiations.
Focus areas: Finance, Mergers & Acquisitions (M&A), Fractional CFO, Interim CFO, Virtual CFO, Financial Modeling, CFO, Financial Forecasting, Financial Planning & Analysis (FP&A), Budgeting, Financial Reporting, B2B, Consolidation, Financial Operations & Processes, Technology, IT Services, eCommerce, Music Streaming, Fundraising, Accounting, Cash Flow, Forecasting, Profit & Loss (P&L), Revenue & Expense Projections, Microsoft Power BI, Tableau, Artificial Intelligence (AI), AI Agents, Exit Strategy, M&A (Sell-side), Quality of Earnings, Three-statement Modeling, Board Reporting, Cash Flow Modeling, Investor Reporting, Dashboards, Excel Modeling, SaaS, Business Analysis, Subscriptions, PowerPoint Templates, Deal Analysis, Due Diligence, Financial Analysis, Private Equity, Business Planning, Healthcare Services, Business Plan Consulting, Early-stage Startups, Debt Financing, Excel Expert, Pitch Decks, NetSuite, Business Strategy, Microsoft Excel, Product Development, Fundraising Strategy, Startup Funding, Startups, Microsoft PowerPoint, Financial Presentations, Growth Strategy, Organizational Design, QuickBooks Online, Fundraising Consultant, Acquisitions, M&A (Buy-side), Lending, Scenario Analysis, Fund Accounting & Administration, Debt Raises, Waterfall Modeling, Communication, LLC Agreements, Distribution Management, Legal, Use of Proceeds, Business Transformation, Management Consulting, Acquisition Analysis, Controller, Cash Flow Management, Key Performance Indicators (KPIs), Compensation Plans, Operations, Business Operations, Exit Planning, Pitch Deck Consultant, Web3, Blockchain, Organizational Change Management (OCM), Process Transformation, Stakeholder Engagement, Cash Flow Forecasting, Inventory Optimization, Consumer Packaged Goods (CPG), Direct to Consumer (D2C), Cap Tables, Sell-side, Process Mapping, Performance Improvement, KPI Tracking, Operations Management, Process Flows, Process Improvement, SOP Development, Growth, Professional Services, Revenue Modeling, Market Research, Pricing, Feasibility, Feasibility Studies, Data Analytics, Revenue Analysis, Valuation, DCF Modeling, Merger Modeling, Capital IQ, Leveraged Buyout (LBO)
Financial Analyst for Budget & Cash Flow Projection
2025 - 2026
Delaware Adventures, Inc - Main
- Built a consolidated financial model across four operating entities, standardizing more than 100 revenue, cost, payroll, fleet, and non-operating accounts into one reporting structure.
- Developed a monthly fleet model covering boat purchases, sales, depreciation, debt balances, interest, curtailments, and gain or loss on disposal across the full asset lifecycle.
- Modeled approximately $10.7 million of original boat purchases and $7.9 million of related debt to assess liquidity, debt coverage, resale economics, and cash break-even thresholds.
- Created lease-versus-buy analyses comparing seasonal leases with five-year boat ownership, incorporating variable rates, escalating curtailments, inflation, resale value, cash flow, and NPV.
- Reconciled the operating budget to management’s assumptions while rebuilding fleet-related costs from the bottom up, isolating open variances in insurance, repairs, maintenance, and boat counts.
- Restructured the 2026 fleet purchase schedule to support a peak-season target of 203 boats and identified the specific sales and purchase adjustments required to reach the year-end target.
- Built scenario analyses for 20 AquaSport boats, comparing alternative sale dates, pricing levels, debt payoffs, carrying costs, replacement timing, and 2025–2026 financial statement impacts.
- Evaluated revised lender terms by modeling monthly benchmark rates, age-based interest spreads, principal curtailments, interest-only periods, and sale-date loan payoffs over a five-year horizon.
- Designed a three-statement fleet framework linking depreciation, interest, gains and losses, sale proceeds, loan payoffs, purchases, debt draws, PP&E, cash, and retained earnings.
- Established a driver-based budgeting framework that linked membership activity, active boats, utilization, maintenance, fuel, staffing, facilities, and financing assumptions to the income statement.
Focus areas: Financial Planning & Analysis (FP&A), Financial Forecasting, Financial Reporting, Operations, Business Operations, Pitch Deck Consultant, Organizational Change Management (OCM), Process Transformation, Stakeholder Engagement, Cash Flow Forecasting, Consumer Packaged Goods (CPG), Direct to Consumer (D2C), Cap Tables, Process Mapping, Performance Improvement, KPI Tracking, Operations Management, Process Flows, Process Improvement, SOP Development, Growth, Professional Services, Revenue Modeling, Market Research, Pricing, Feasibility, Feasibility Studies, Data Analytics, Revenue Analysis
Manager, Corporate Development Advisory
2021 - 2022
Mazars USA LLP
- Acted as a strategic advisor within Mazars’ corporate development consulting arm, supporting 20+ large-scale M&A transactions across SaaS, manufacturing, food & beverage, and healthcare.
- Led end-to-end buy-side and sell-side due diligence, delivering financial and operational analysis to assess risk, validate earnings quality, and support value-maximizing deal decisions.
- Partnered with private equity firms and corporate acquirers to evaluate growth opportunities, synergy potential, and integration considerations across target platforms.
- Supported post-deal integration planning by identifying key operational dependencies, financial reporting requirements, and value capture initiatives to accelerate performance post-close.
- Prepared executive-ready deliverables, including investment committee materials, deal summaries, and diligence findings, translating complex analysis into actionable recommendations for leadership teams.
Focus areas: Corporate Development, Mergers & Acquisitions (M&A), Financial Modeling, Financial Forecasting, Financial Planning & Analysis (FP&A), Budgeting, Financial Reporting, B2B, Consolidation, Financial Operations & Processes, Technology, IT Services, eCommerce, Music Streaming, Fundraising, Accounting, Cash Flow, Forecasting, Profit & Loss (P&L), Revenue & Expense Projections, Microsoft Power BI, Tableau, Artificial Intelligence (AI), AI Agents, Exit Strategy, M&A (Sell-side), Quality of Earnings, Three-statement Modeling, Board Reporting, Cash Flow Modeling, Investor Reporting, Dashboards, Excel Modeling, SaaS, Business Analysis, Subscriptions, PowerPoint Templates, Deal Analysis, Due Diligence, Financial Analysis, Private Equity, Business Planning, Healthcare Services, Business Plan Consulting, Early-stage Startups, Debt Financing, Excel Expert, Pitch Decks, NetSuite, Business Strategy, Microsoft Excel, Product Development, Fundraising Strategy, Startup Funding, Startups, Microsoft PowerPoint, Financial Presentations, Growth Strategy, Organizational Design, QuickBooks Online, Fundraising Consultant, Acquisitions, M&A (Buy-side), Investment Banking, Lending, Scenario Analysis, Fund Accounting & Administration, Debt Raises, Waterfall Modeling, Communication, LLC Agreements, Distribution Management, Legal, Use of Proceeds, Business Transformation, Management Consulting, Acquisition Analysis, Controller, Cash Flow Management, Key Performance Indicators (KPIs), Compensation Plans, Operations, Business Operations, Exit Planning, Pitch Deck Consultant, Web3, Blockchain, Organizational Change Management (OCM), Process Transformation, Stakeholder Engagement, Cash Flow Forecasting, Inventory Optimization, Consumer Packaged Goods (CPG), Direct to Consumer (D2C), Cap Tables, Sell-side, Process Mapping, Performance Improvement, KPI Tracking, Operations Management, Process Flows, Process Improvement, SOP Development, Growth, Professional Services, Revenue Modeling, Market Research, Pricing, Feasibility, Feasibility Studies, Data Analytics, Revenue Analysis, Valuation, DCF Modeling, Merger Modeling, Bloomberg Terminal, Capital IQ, Leveraged Buyout (LBO)
Manager, Transaction & PE Consulting (Contractor)
2021 - 2021
Aprio, LLP
- Served as a lead advisor on full-scale buy-side and sell-side transaction diligence for middle-market companies and private equity investors, supporting acquisitions, divestitures, and recapitalizations.
- Conducted deep-dive earnings quality and EBITDA normalization analysis, identifying key add-backs, non-recurring items, and risk areas impacting valuation and deal structure.
- Built and refined comprehensive financial models, including 3-statement models, cash flow models, and scenario analyses, to support investment decisions and negotiations.
- Partnered with client leadership teams and deal stakeholders to translate findings into actionable diligence insights, strengthening investment committee decisions and buyer confidence.
- Supported post-transaction integration planning by improving financial reporting readiness, streamlining close processes, and aligning reporting structures for Day 1 execution.
Focus areas: Mergers & Acquisitions (M&A), Fractional CFO, Financial Forecasting, Financial Planning & Analysis (FP&A), Budgeting, Financial Reporting, B2B, Financial Operations & Processes, Technology, eCommerce, Fundraising, Financial Modeling, Accounting, Cash Flow, Forecasting, Profit & Loss (P&L), Revenue & Expense Projections, Microsoft Power BI, Tableau, Artificial Intelligence (AI), AI Agents, Exit Strategy, M&A (Sell-side), Quality of Earnings, Three-statement Modeling, Board Reporting, Cash Flow Modeling, Investor Reporting, Dashboards, Excel Modeling, SaaS, Business Analysis, Subscriptions, PowerPoint Templates, Deal Analysis, Due Diligence, Financial Analysis, Private Equity, Business Planning, Healthcare Services, Business Plan Consulting, Early-stage Startups, Debt Financing, Excel Expert, Pitch Decks, NetSuite, Business Strategy, Microsoft Excel, Fundraising Strategy, Startup Funding, Microsoft PowerPoint, Financial Presentations, Growth Strategy, Organizational Design, QuickBooks Online, Fundraising Consultant, Acquisitions, M&A (Buy-side), Investment Banking, Scenario Analysis, Fund Accounting & Administration, Debt Raises, Waterfall Modeling, Communication, LLC Agreements, Distribution Management, Legal, Use of Proceeds, Business Transformation, Management Consulting, Acquisition Analysis, Controller, Cash Flow Management, Key Performance Indicators (KPIs), Compensation Plans, Operations, Business Operations, Exit Planning, Pitch Deck Consultant, Web3, Blockchain, Organizational Change Management (OCM), Process Transformation, Stakeholder Engagement, Cash Flow Forecasting, Inventory Optimization, Consumer Packaged Goods (CPG), Direct to Consumer (D2C), Cap Tables, Sell-side, Process Mapping, Performance Improvement, KPI Tracking, Operations Management, Process Flows, Process Improvement, SOP Development, Growth, Professional Services, Revenue Modeling, Market Research, Pricing, Feasibility, Feasibility Studies, Data Analytics, Revenue Analysis, Valuation, DCF Modeling, Merger Modeling, Bloomberg Terminal, Capital IQ, Leveraged Buyout (LBO)
Bankruptcy and Restructuring Advisor (Contractor)
2020 - 2020
Berkeley Research Group
- Led financial analysis and liquidity modeling for distressed companies in bankruptcy and restructuring, supporting creditor negotiations and court-approved restructuring plans.
- Built 13-week cash flow forecasts and operational models for distressed businesses, giving management and lenders real-time visibility into liquidity and restructuring options.
- Analyzed complex financial records and operational data to identify cost reduction and turnaround opportunities for companies facing Chapter 11 restructuring.
- Supported senior advisors and legal teams in bankruptcy proceedings by preparing financial exhibits, creditor analyses, and restructuring scenario models.
- Conducted deep financial and operational diligence on distressed companies, identifying key drivers of cash burn, profitability decline, and liquidity risk.
Focus areas: Bankruptcy & Insolvency, Business Restructuring, Debt Restructuring, Financial Modeling, Accounting, Cash Flow, Forecasting, Profit & Loss (P&L), Revenue & Expense Projections, Microsoft Power BI, Exit Strategy, M&A (Sell-side), Quality of Earnings, Three-statement Modeling, Board Reporting, Cash Flow Modeling, Investor Reporting, Dashboards, Excel Modeling, Business Analysis, Subscriptions, PowerPoint Templates, Deal Analysis, Due Diligence, Financial Analysis, Private Equity, Business Planning, Healthcare Services, Business Plan Consulting, Early-stage Startups, Debt Financing, Excel Expert, Pitch Decks, NetSuite, Business Strategy, Microsoft Excel, Fundraising Strategy, Startup Funding, Startups, Microsoft PowerPoint, Financial Presentations, Growth Strategy, Organizational Design, QuickBooks Online, Acquisitions, M&A (Buy-side), Investment Banking, Scenario Analysis, Debt Raises, Waterfall Modeling, Communication, LLC Agreements, Distribution Management, Legal, Use of Proceeds, Business Transformation, Management Consulting, Acquisition Analysis, Cash Flow Management, Key Performance Indicators (KPIs), Operations, Business Operations, Exit Planning, Pitch Deck Consultant, Organizational Change Management (OCM), Process Transformation, Stakeholder Engagement, Cash Flow Forecasting, Inventory Optimization, Consumer Packaged Goods (CPG), Direct to Consumer (D2C), Cap Tables, Sell-side, Process Mapping, Performance Improvement, KPI Tracking, Operations Management, Process Flows, Process Improvement, SOP Development, Growth, Professional Services, Revenue Modeling, Market Research, Pricing, Feasibility, Feasibility Studies, Data Analytics, Revenue Analysis, Valuation, DCF Modeling, Merger Modeling, Capital IQ
Manager - A&TS and Strategy & Transformation
2016 - 2020
MorganFranklin Consulting
- Advised private equity firms and strategic buyers on financial due diligence and transaction strategy, supporting acquisitions across consumer, technology, and services sectors.
- Built detailed financial models and Quality of Earnings analyses to assess EBITDA sustainability, working capital requirements, and transaction risks.
- Analyzed target company financials, operational metrics, and revenue drivers to identify risks and opportunities during buy-side and sell-side transaction processes.
- Prepared investor-ready financial analyses and diligence reports used by private equity sponsors and corporate buyers to evaluate acquisition opportunities.
- Collaborated with management teams and deal sponsors to evaluate financial performance, growth assumptions, and integration considerations during M&A transactions.
- Supported multiple concurrent transactions by coordinating diligence requests, analyzing financial data, and delivering insights to senior deal teams.
Focus areas: Corporate Development, Financial Modeling, Accounting, Cash Flow, Forecasting, Profit & Loss (P&L), Revenue & Expense Projections, Exit Strategy, M&A (Sell-side), Quality of Earnings, Three-statement Modeling, Board Reporting, Cash Flow Modeling, Dashboards, Excel Modeling, Business Analysis, Subscriptions, PowerPoint Templates, Deal Analysis, Due Diligence, Financial Analysis, Private Equity, Business Planning, Healthcare Services, Business Plan Consulting, Early-stage Startups, Excel Expert, Pitch Decks, NetSuite, Business Strategy, Microsoft Excel, Fundraising Strategy, Startup Funding, Startups, Microsoft PowerPoint, Financial Presentations, Growth Strategy, Organizational Design, QuickBooks Online, Acquisitions, M&A (Buy-side), Scenario Analysis, Communication, LLC Agreements, Use of Proceeds, Business Transformation, Management Consulting, Acquisition Analysis, Cash Flow Management, Key Performance Indicators (KPIs), Operations, Business Operations, Exit Planning, Pitch Deck Consultant, Process Transformation, Stakeholder Engagement, Cash Flow Forecasting, Inventory Optimization, Consumer Packaged Goods (CPG), Direct to Consumer (D2C), Cap Tables, Sell-side, Performance Improvement, KPI Tracking, Operations Management, Process Flows, Process Improvement, SOP Development, Growth, Professional Services, Revenue Modeling, Market Research, Pricing, Feasibility, Feasibility Studies, Data Analytics, Revenue Analysis, Valuation, DCF Modeling, Merger Modeling
Consultant
2015 - 2016
CohnReznick
- Built financial models and analytical workpapers used to evaluate acquisition targets, identify risks, and assess key drivers of EBITDA performance.
- Analyzed normalized earnings, working capital trends, and financial adjustments to support transaction advisory engagements.
- Developed analytical reports and presentations that helped clients understand key financial drivers and risks during acquisition processes.
- Collaborated with senior advisors and client leadership to interpret financial data and translate insights into actionable recommendations.
Focus areas: Corporate Development, Consulting, Financial Modeling, Accounting, Cash Flow, Forecasting, Profit & Loss (P&L), Revenue & Expense Projections, Three-statement Modeling, Business Analysis, PowerPoint Templates, Financial Analysis, Business Planning, Healthcare Services, Business Plan Consulting, Early-stage Startups, Excel Expert, Business Strategy, Microsoft Excel, Startup Funding, Startups, Microsoft PowerPoint, Financial Presentations, Growth Strategy, Organizational Design, Acquisitions, M&A (Buy-side), Use of Proceeds, Business Transformation, Management Consulting, Acquisition Analysis, Cash Flow Management, Key Performance Indicators (KPIs), Business Operations, Exit Planning, Consumer Packaged Goods (CPG), Sell-side, KPI Tracking, Operations Management, Revenue Modeling, Data Analytics, Revenue Analysis
Tax & Audit Associate
2014 - 2015
DMLO CPAs
- Prepared and analyzed financial statements for privately held companies across multiple industries, ensuring compliance with GAAP and regulatory standards.
- Performed audit procedures including testing internal controls, reconciling accounts, and evaluating financial reporting accuracy.
- Prepared corporate and partnership tax returns while analyzing financial records to ensure accuracy and compliance with federal and state tax regulations.
- Identified accounting discrepancies and recommended adjustments that improved the accuracy and reliability of client financial reporting.
- Advised clients on accounting treatments and documentation requirements to strengthen financial controls and reporting processes.
- Supported audit engagements from planning through completion by preparing workpapers, documenting findings, and assisting with client communications.
Focus areas: Audits, Reviews, Accounting, Profit & Loss (P&L), Revenue & Expense Projections, Business Analysis, PowerPoint Templates, Financial Analysis, Business Plan Consulting, Excel Expert, Microsoft Excel, Financial Presentations, Cash Flow Management
Education
2010 - 2014
Bachelor of Science in Accounting and Bachelor of Business Administration in Finance in Accounting & Finance
University of Kentucky - Lexington, KY
Skills
Finance
Financial Modeling, Operational Finance, Mergers & Acquisitions (M&A), Project Finance, CFO, Financial Planning & Analysis (FP&A), Budgeting, Financial Reporting, Accounting, Cash Flow, Forecasting, Profit & Loss (P&L), Revenue & Expense Projections, M&A (Sell-side), Three-statement Modeling, Cash Flow Modeling, Deal Analysis, Due Diligence, Private Equity, M&A (Buy-side), Controller, Cash Flow Forecasting, Revenue Modeling, Market Research, Pricing, Feasibility, Fundraising, Startup Funding, Lending, Debt Raises, Blockchain, Valuation, Debt Restructuring, 13-week Cash Flow, Free Cash Flow (FCF), Working Capital Management
Output Software
Microsoft Excel, Microsoft PowerPoint
Data & Analysis Software
QuickBooks Online, NetSuite, Tableau, Capital IQ
Industry Expertise
Professional Services, Technology, Early-stage Startups
Other
Microsoft, Cost Accounting, Strategic Planning, Finance, Fractional CFO, Corporate Development, Financial Forecasting, Financial Operations & Processes, Exit Strategy, Quality of Earnings, Board Reporting, Investor Reporting, Dashboards, Excel Modeling, SaaS, Business Analysis, Subscriptions, PowerPoint Templates, Financial Analysis, Business Planning, Business Plan Consulting, Excel Expert, Pitch Decks, Business Strategy, Financial Presentations, Growth Strategy, Organizational Design, Acquisitions, Use of Proceeds, Business Transformation, Management Consulting, Acquisition Analysis, Cash Flow Management, Key Performance Indicators (KPIs), Process Mapping, Operations, Business Operations, Pitch Deck Consultant, Organizational Change Management (OCM), Process Transformation, Stakeholder Engagement, Consumer Packaged Goods (CPG), Sell-side, Performance Improvement, KPI Tracking, Operations Management, Process Flows, Process Improvement, SOP Development, Growth, Feasibility Studies, Data Analytics, Revenue Analysis, Interim CFO, Virtual CFO, B2B, Consolidation, IT Services, eCommerce, Music Streaming, Microsoft Power BI, Artificial Intelligence (AI), AI Agents, Healthcare Services, Debt Financing, Fundraising Strategy, Startups, Fundraising Consultant, Investment Banking, Scenario Analysis, Fund Accounting & Administration, Waterfall Modeling, Communication, LLC Agreements, Distribution Management, Legal, Compensation Plans, Exit Planning, Web3, Inventory Optimization, Direct to Consumer (D2C), Cap Tables, DCF Modeling, Merger Modeling, Leveraged Buyout (LBO), Bankruptcy & Insolvency, Business Restructuring, Consulting, Audits, Reviews, Product Development, Multi-Entity Consolidation, Financial Close, GAAP, M&A Due Diligence (Financial), Profit Optimization, Margin Optimization, Capital Allocation, Inventory, Deal Sourcing, Deal Structuring, Unit Economics, Market Sizing, Go-to-market (GTM) Strategy, Post-merger Integration, Synergy Realization, Financial Systems Consolidation, Stakeholder Management, Change Management, Bloomberg Terminal
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