about usman okoya


I'm Usman Okoya.

Financial nerd, Financial coach,

Nice human being.

This is My Story

I found my dream job at Smart Money CFO, changing the way people think about Accounting and Finance

Our non-traditional flat fee pricing approach to finance and accounting is a game-changer for growth-focused businesses.

Working with companies all over the USA, our professional accounting and virtual CFO services will relieve the burden of dealing with accounts, bookkeeping, cash flow management, and business tax nuances, leaving you to focus on what you do best – operating your business!!.

Our mission is to change the way people think about finance and accounting with our innovative virtual CFO service. We aim to simplify this side of your business for you, so that you can spend your time planning for the future.

What Makes Our Virtual CFO Service Different?

Can you imagine going to your local coffee shop and being charged for your cup of coffee based on how long it took for the server to pour it?

It seems ridiculous, but that’s pretty much how traditional accounting firms bill their clients, basing their fee on how long it takes for the accountant to perform a certain task.

This is where we’re different…

Our Virtual CFO Service takes a Progressive, Non-traditional approach to Finance and Accounting.

We offer a set weekly fee tailored to the virtual CFO services you need and want.

From fundraising, projections to financial statements, tax returns and wealth management services, we’ll identify the best service bundle for you and then calculate your flat fee. This flat fee won’t change from month to month, no matter how many virtual meetings, phone calls or email conversations you have with us.

Profit-based Accounting is our focus.

Our virtual CFO service helps clients to maximize profits, minimize taxes, increase cash flow and build wealth, both business and personal. How?

We combine our expertise with the very latest technologies, to enable us offer our entire range of services remotely.

From performing the back-office functions of an accounting department to carrying out the high-end tasks of a CFO, we’re here to help you save time and money, optimizing your profitable growth while also implementing new strategies and plans that will take your business to the next level.

These features are exactly why we pride ourselves on being able to offer the best virtual CFO services out there.

My Background

Over 17 years of progressive experience in all aspects of Finance and Accounting

I am a creative thinker with a flair for numbers; two traits that have proven to be invaluable in the world of finance and accounting.

Over the past 17 years, I have worked with companies in a wide range of industries, from banking, real estate, logistics and telecommunications to manufacturing and technology. Along the way, I’ve gained experience in financial planning and analysis, process improvements, risk management, system implementations, legal and supply chain management amongst others.

What am I doing now?

In addition to being a Chartered Accountant with a Masters Degree in Real Estate Investment, I am also a Career Coach and Public Speaker. Whether you want me to take the reins when it comes to the finance and accounting aspect of your business, or you want to learn more about what I do, I’m here to help in every way that I can.

Book me to speak at your next event!

Looking for a financial expert to speak at an upcoming event? Or maybe you’re looking for an industry professional to interview for a podcast or webinar? Either way, I may be available, either by physically attending your event or by web conference.

I regularly speak about various topics, including financial and non-financial metrics, forecasting, cash flow management, and strategic planning, giving you the knowledge, you need to take control of your success.

Some of the specific topics I can cover include:


  • Running a Distributed Finance and Accounting Function

  • Using Industry Metrics to Help Grow Your Business

  • The Hidden Costs of Running a Distributed Company

  • YouTube
  • Instagram

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