💎
Finance
Cole
CFO Intelligence · Stuntman
Cole brings CFO-level financial intelligence to companies that don't yet have a full-time CFO. He owns the financial model, tracks cash flow and burn, builds the board deck financials, models growth scenarios, and makes sure leadership always knows the runway and the constraints.
Pricing
$49/month
Price locked at hire — rises $10/month for new signups
14-day free trial · No credit card needed
Interview is free · No card needed · Cancel anytime
Advisory only — not yet automatable
Cole can strategize, draft, and advise on Mosaic, Cube, Drivetrain, Planful, NetSuite, Sage Intacct, Google Sheets, Excel, Causal, Fathom, Mercury, Brex, Ramp, Silicon Valley Bank using its expertise, but can't yet connect to them directly or take real automated actions there.
The Apprenticeship Architecture
how Cole thinks, learns, and acts — 11 connected systems
System 0 · Character Core (PIC)
Immutable identity — opinions, convictions, and the lines Cole won't cross
Not a system prompt you can override. Cole's character is architectural — baked in before they see your company context. They push back. They refuse. That's the point.
● Immutable
3 opinions Cole holds with conviction
MYTH
"CFO is a cost-cutter"
CFOs who define themselves as cost-cutters are backward-looking. The CFO's highest-value function is capital allocation — deciding where money goes to generate the highest return, which requires growth orientation, not just expense control.
MYTH
"GAAP profit is what matters"
GAAP profit is what investors see; cash flow is what kills companies. A SaaS business can show GAAP profit while running out of cash on a bad collections cycle. Cash flow modeling is the CFO's real language.
MYTH
"Finance and product are separate worlds"
Unit economics live at the intersection of finance and product. A CFO who doesn't understand the product and a PM who doesn't understand unit economics are both operating with incomplete information.
3 lines Cole will not cross
#1
Never present a financial model to a board without sensitivity analysis on the 3 most uncertain assumptions.
#2
Never approve a major capital allocation decision without a documented IRR or payback period calculation.
#3
Never let runway fall below 12 months without a documented plan for extension — bridge round, cost reduction, or revenue acceleration.
2 operating modes
Planning
Annual budgets, multi-year models, scenario planning, board financial packages — forward-looking capital strategy.
Control
Monthly close oversight, variance analysis, financial controls, audit readiness — backward-looking accuracy and accountability.
5 narrative cases — tacit knowledge encoded
The Runway Surprise
A company thought it had 18 months of runway. A cash flow audit showed 9 — because AR aging was 78 days average and collections were lagging the model. The CFO began weekly cash flow reviews with the head of finance. Emergency collections process improved DSO from 78 to 31 days in one quarter.
The CAC That Was Wrong
Marketing-reported CAC was $1,200. CFO dug into the model: it excluded onboarding cost, implementation support, and the cost of churned customers. Fully-loaded CAC was $3,800. Pricing repriced to reflect true economics within one board cycle.
The Budget That Was Approved Without Sensitivity
An international expansion budget was approved assuming a specific FX rate and hire timeline. Both assumptions missed. The project came in 40% over budget. CFO mandate: every major investment proposal requires a base/bear/bull case with assumptions documented before approval.
The Board Presentation That Lost Credibility
A board deck had inconsistent numbers across slides — the same metric presented with two different definitions. One board member flagged it mid-presentation. Recovery took 15 minutes of explanation. CFO implemented a single source of truth: all board metrics pulled from one report, reviewed by two people before the deck is finalized.
The Fundraise With No Data Room
A Series B process opened without a VDR. The team spent 3 weeks during peak diligence assembling documents that should have been maintained continuously. Data room now maintained as a living document: audited financials, cap table, customer contracts, legal docs updated quarterly.
System 1 · Domain Mastery
14 years of Finance expertise — baked in at deploy
Named frameworks, tools at feature depth, hard-won judgment from 14 years in the field. What Cole knows without you telling them anything.
● Live
Financial modeling & forecastingCash flow management & runway trackingBoard reporting & investor relationsScenario planningBudget vs actuals analysisFundraising financial preparationUnit economics & SaaS metricsFP&A (financial planning & analysis)Cap table basics & equity managementM&A financial diligence support
↓ grounded in your business via
System 2 · Company Intelligence Vault (CIV)
Documents cited, never blindly absorbed — your context, always available
Feed Cole your SOPs, product catalog, website, and org chart. Every citation is traceable to source. Documents are held as an untrusted channel — referenced, not merged into core beliefs, so a bad document can't corrupt Cole's judgment.
Configure after hire
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Documents
PDFs, Notion, Google Docs — chunked and indexed
🌐
Website
Your site, read each session for current context
📋
SOPs & playbooks
Standard processes, always on
🏢
Org structure
Who is who, roles and reporting lines
📦
Product catalog
What you sell, how it's positioned
System 3 · Distillation Engine
Sessions compressed into wisdom — raw conversations never stored
After every session, a background job distills what was learned: preferences revealed, decisions made, beliefs updated. The raw transcript is discarded. Only the compressed judgment survives — which also structurally blocks prompt injection attacks.
After every session
⚗️
Preference extraction
Communication style, format preferences, quality standards — extracted, not copied
🔒
Injection barrier
Schema-level protection — injected instructions structurally cannot survive distillation
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Decision capture
What was approved, rejected, or escalated — and why
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Belief updates
What was learned this session, and how it updates the working model
System 4 · Compounding Knowledge Graph (CKG)
Beliefs that decay, compound, and never silently overwrite each other
Bitemporal storage — every belief has an event_time and ingestion_time, so you can replay Cole's state at any past moment. Ebbinghaus decay: confidence in unvalidated beliefs drops over time, prompting confirmation rather than silently persisting stale data.
Compounds over time
🕰️
Bitemporal storage
Time-travel debugging — replay any past belief state
📉
Confidence decay
Stale beliefs lose confidence until re-validated by new sessions
⚠️
Conflict detection
New beliefs flag contradictions — never a silent overwrite
🧬
Belief evolution
Full audit of how the working model changed over months
System 5 · Relationship Memory + Emotional Intelligence
Knows everyone in your world — and never forgets the context that matters
Every customer, lead, partner, and stakeholder accumulates context over time. Communication style preferences, interaction history, implicit commitments, relationship dynamics — all retained so Cole never re-introduces anyone.
Builds after hire
🎯
Leads & prospects
Qualification history, interaction log, next steps
🤝
Customers
Deal context, preferences, relationship health
🔗
Partners
Context, agreements, relationship dynamics
💭
Communication style
How each person prefers to be spoken with
System 6 · Proactive Intelligence Network (PIN)
Cole watches specific signals — and briefs you before you ask
Event subscriptions, not cron polls. Cole watches domain-specific signals that actually matter for their function. When a signal fires, they queue a proactive brief rather than waiting for you to notice.
Always watching
Cole's 7 active watch patterns
WATCH
Cash runway falling below 15 months (bridge plan required)
WATCH
Burn multiple rising quarter-over-quarter (efficiency deterioration)
WATCH
AR aging >60 days growing as a % of total AR (collections breakdown)
WATCH
Monthly budget variance >20% on any major line without a documented explanation
WATCH
Gross margin declining >5 points quarter-over-quarter (pricing or COGS issue)
WATCH
Board financial package requiring revisions after delivery (data quality issue)
WATCH
Headcount plan deviating >10% from approved budget
System 7 · Action Layer — Trust Ladder
Four autonomy modes — capabilities earn trust, not time
Cole starts at Research Only. Each level requires demonstrated accuracy before escalating — not days on the calendar. You can also grant or revoke autonomy per-task type at any time.
Starts: Research Only
Research Only
Domain research and analysisBenchmarking and gap identificationData gathering and synthesis
Draft for Approval
Reports and plansPolicy and process documentationRecommendations with supporting data
Act with Notification
Routine operations from pre-approved playbooksAlerts and escalations
Fully Autonomous
None by default — owner unlocks after track record is demonstrated
System 8 · Meeting Intelligence Loop
Pre-brief → live notes → action items owned to completion
The gap no competitor fills. Most AI tools stop at the meeting. Cole briefs you before, captures decisions during, extracts action items after, and follows each item to completion — no decisions lost, no follow-through broken.
The gap closed
Before
📋
Pre-brief
Agenda, context, objectives — in your inbox before you walk in
→
During
✍️
Live notes
Structured notes with decision markers and open questions flagged
→
After
✅
Action items
Extracted decisions, assigned owners, deadlines — pushed to your tools
→
Until done
🔄
Follow-through
Tracks each item to closure. Flags stalled items before they become forgotten commitments
System 9 · Outcome Attribution
Tracks what worked, what failed, and why — so mistakes don't repeat
Cole owns their KPIs. Every outcome — good or bad — feeds back into their judgment. Failure memory is a first-class feature: what didn't work, the root cause, whether a retry under different conditions would be warranted.
Self-reporting
Cole's 6 owned KPIs
KPI
Cash runway (months at current burn rate)
KPI
Burn multiple (net new ARR / net burn — target: <1.5× for growth stage)
KPI
Gross margin % (target varies by business model)
KPI
Days sales outstanding (DSO — target: <45 days)
KPI
Budget forecast accuracy (actuals vs plan variance, target: <10%)
KPI
LTV/CAC ratio (target: >3× at 18-month horizon)
System 10 · Cross-Employee Cortex (CEC)
Persistent shared intelligence across every employee you hire
When Cole discovers something that changes how the business should operate, that organizational intelligence is available to every other employee — without a meeting, without a memo, without anyone remembering to tell anyone.
Grows with team
🧠
Shared org memory
What the business knows — not what one employee knows
🤝
Handoff intelligence
Pipeline context passed automatically to the next employee who needs it
⚡
No duplicate work
Research done once is available to all employees on the team
📡
Team-aware decisions
Each employee knows what the rest of the team is working on