Boutique Fractional CFO · Financial Advisory
Strategic Financial Leadershipfor the Cannabis Industry.
From foundational setups to high-level 280E strategy and cash flow optimization. Executive CFO advisory tailored to your growth stage.
15 minutes · No cost · No commitment · Confidential
IRC §280E
Specialist tax strategy
GAAP
Audit-ready reporting
Multi-State
MSO & license compliance
NDA
Confidential engagements
21+
Licensed enterprises only
Services
CFO services, engineered for the cannabis industry.
Every engagement is shaped around the regulatory, tax, and capital realities unique to licensed cannabis operators.
Fractional CFO
Executive-level financial leadership without the full-time overhead. Forecasting, board reporting, KPI design, and strategic finance tailored to cannabis economics.
280E Tax Strategy
Structuring COGS, cost allocation studies, and entity design to legally minimize the 280E burden — coordinated with your tax counsel.
Capital Raises & M&A
Pitch-ready financial models, due diligence preparation, and deal-side advisory for equity raises, debt facilities, and acquisitions.
Cash Flow & Forecasting
Rolling 13-week cash forecasts, scenario planning, and runway modeling so you always know what's coming three quarters out.
Operational Finance
Cultivation cost-per-gram, dispensary unit economics, inventory shrink controls, and SKU-level margin analysis.
Audit & Investor Readiness
GAAP cleanup, audit prep, and data room construction so you can move fast when capital, partners, or acquirers come knocking.
The Approach
A measured, four-phase engagement.
No billable-hour theatre. Financial clarity, delivered through a defined process with predictable milestones.
Discovery
It starts with a confidential conversation about your operation, license footprint, capital structure, and the financial questions keeping you up at night.
Diagnostic
A focused review of your financials, tax exposure, and reporting infrastructure. You receive a written findings memo within two weeks.
Engagement
I embed as your fractional CFO — monthly close oversight, board materials, forecasts, and on-call strategic guidance.
Execution
Capital raised. Audits passed. Margins recovered. You scale with the financial clarity your operation has been missing.
JOYA
Financial Advisory · CFO Services
About Joya
A solo, boutique advisory for enterprises that need a real CFO.
Joya was founded on a simple observation: cannabis operators and fast-growing companies have access to plenty of generalist accountants, but very few advisors who understand the punishing economics of 280E, cash-constrained banking, the licensing minefield, and cap-table complexity at scale.
My advisory embeds alongside founders and management teams as fractional CFO — bringing forecasting discipline, capital fluency, and operator-level financial literacy. One senior advisor, direct access, no layers of junior staff between you and the numbers.
100%
Cannabis & growth-stage focus
280E
Specialist tax strategy
Multi-State
Operator experience
Solo
Boutique by design
Frequently Asked
Questions beforewe begin.
Anything not covered here, ask directly in the consultation request — you will get a straight answer, not a sales sequence.
Why does the site ask my age and state before entry?
Cannabis advertising and advisory content is regulated state by state. The 21+ and location confirmation keeps this practice compliant across all 50 states, DC, and US territories, and signals to international visitors that engagements are US-focused. Your answer is stored locally in your browser only — nothing is transmitted or sold.
What exactly falls inside 280E advisory scope?
IRC §280E cost allocation and COGS positioning, entity and structure review, inventory and 471 methodology, effective tax-rate modeling, audit-defensible documentation, and coordination with your CPA or tax counsel. I do not file returns or issue tax opinions — I build the financial architecture your filers rely on.
How is my financial information kept confidential?
Every engagement begins under a mutual NDA before any data is shared. Files move through access-controlled channels, data is retained only for the life of the engagement, and nothing about your operation is referenced publicly or in case studies without written consent.
What happens after the consultation?
Within two business days you receive a short written summary: the three highest-leverage financial issues I identified, what fixing them is worth, and a recommended scope with fee range. There is no obligation to proceed, and the summary is yours to keep and act on with any advisor.
Who is a fit for this advisory?
Licensed cannabis enterprises with meaningful revenue and $100K–$1M+ operating budgets, plus serious, fast-growing startups preparing for capital, audit, or multi-state expansion. Engagements are fractional and senior-level — you work directly with me, not a junior team.
Free 280E Snapshot
Two fields. Fifteen minutes. No invoice.
Send your name and email and I'll return a short, confidential read on your 280E exposure and the deductions most operators leave on the table. No pitch deck, no contract, no obligation to continue.
- Reply within one business day
- Covered by NDA on request
- Nothing to install, nothing to sign
Phone
(917) 574-5122