Tampa, Florida, United States
👋 Follow for daily advice on your career, money, and continuous improvement! 💥 Join 100,000+ readers at TheFinanceNewsletter.com — a weekly newsletter that helps you get smarter with your money, career, and life. Hi, I'm Andrew Lokenauth. You're probably reading this because you want to learn more about me. I'm best known for my ability to simplify complex topics into actionable advice, to over 3 million folllowers daily, as well as for my popular newsletter, TheFinanceNewsletter.com, which is read by over 100,000 subscribers each week. I break down complex topics and explain them in a way that's easy to understand and apply to life. The primary question I explore is, “How can we make better decisions?” My mission is, as it's always been, to reach, educate and empower millions. My advice is featured in almost every major publication including The Wall Street Journal, Forbes, CNBC, Business Insider, and Yahoo Finance. I bring 20 years of experience from Wall Street and banking, including roles at Goldman Sachs, Citibank, and JPMorgan, along with a degree in finance. I use my background to break down money, decision-making, and continuous improvement so you can make better decisions in life. Easy to understand and act on. As a speaker, I focus on careers, leadership, and finance. My goal is always the same: deliver a clear, engaging talk that leaves people motivated and ready to act. I’m also an advisor and angel investor to several startups and small businesses. I help founders scale their companies, their teams, and themselves. I also own and operate several cash-flowing businesses inside my personal HoldCo. Additionally, I'm a macro, thematic, and event-driven investor. You can find me at TheFinanceNewsletter.com, where I write for 100,000+ subscribers, sharing simple, practical ideas to get smarter with your money, career, and life. You can read past issues at TheFinanceNewsletter.com. You can also find me at @FluentInFinance on all major social platforms. I’d love to connect and see how we can work together. Reach me at [email protected].
- Media Scale & Reach: Built and scaled FluentInFinance Media into a premier financial education ecosystem reaching 100,000+ weekly newsletter subscribers & collective social following of 3M+, generating billions of annual impressions & establishing one of the most influential independent platforms in financial literacy and media. - Strategic Thought Leadership: Recognized globally as a financial expert with insights regularly featured in The Wall Street Journal, Forbes, CNBC, Fortune, Business Insider & Nasdaq. Leverage 20+ years of Wall Street experience across Goldman Sachs, Citi & JPMorgan to bridge the gap between complex institutional finance & actionable education. - Brand Partnerships & Content Strategy: Partner with Fintech & Fortune 500 brands on sponsored content, digital marketing campaigns & SEO-driven content strategy—helping companies reach high-value audience of investors, business owners, and 6–7 figure earners to drive brand awareness, engagement & lead generation. - Corporate Workshops: Design & deliver "Financial Wellness" workshop series & Lunch-and-Learn programs for corporations & HR departments—covering retirement literacy, 401k optimization, debt management, and money management fundamentals. - Executive Ghostwriting & Authority Building: Lead thought leadership agency for CEOs, founders & professionals—utilizing content analysis and proprietary virality frameworks to transform technical expertise into high-impact social presence, generating deal flow, press coverage & speaking invitations. - Speaking Engagements: Deliver keynote presentations & featured talks at conferences, corporate events, and universities—covering financial literacy, personal finance, market strategy & content strategy for audiences ranging from employees & students to C-suite executives & institutional investors. - Strategic Advisory & Equity Partnerships: Serve as Fractional Executive & Advisory Board member for Series A/B companies & start-ups.
- Strategic Finance, Operational Advisory & Strategy: Serve as Startup Advisor & Fractional CFO/COO for high-growth startups and mid-market companies ($1M–$5M in revenue), building the financial infrastructure, systems, and strategic clarity needed to scale toward 8-figure valuations and institutional-grade operations. - Funding, Capital Raises & M&A Support: Partner with Startups and founders on fundraising and M&A strategy—preparing investor materials, managing data rooms, and building the financial models and scenario analyses that accelerate capital raises, attract strategic investors, and support successful exits. - AI Implementation, Workflow Automation & Scale: Lead company-wide AI integration—deploying AI models, automating workflows, and building custom AI agents that reduce manual operational tasks, cut costs, and improve executive "time-to-insight" through advanced prompt engineering and automated reporting systems. - Corporate AI Training & Workshops: Design and facilitate AI workshops, Lunch-and-Learns, and executive coaching sessions that equip leadership teams and employees with the skills to apply AI tools and prompt engineering practically—driving measurable productivity gains across departments. - Operational Excellence & Strategy: Modernize the Office of the CFO & COO by deploying institutional-grade FP&A frameworks, cash flow forecasting models, and real-time KPI dashboards that give founders the financial visibility to make confident decisions and shift focus from back-office management to building the business. - Fractional Executive Leadership, End-to-End Execution & Scale: Manage end-to-end financial and operational functions—budgeting, forecasting, tax strategy, investor relations, and board reporting—delivering the rigor and sophistication of a Fortune 500 finance function at a fraction of the cost.
- Managed all investor relations for a top-30 U.S. publicly-traded bank (with $110B+ in total assets, $3.7B in annual revenue, and a peak market capitalization of $22B+), serving 300+ institutional investors and maintaining relationships with sell-side equity analysts covering the stock. - Led quarterly earnings process including earnings calls with 100+ participants, SEC filings (10-K, 10-Q, 8-K), investor presentations, scriptwriting, Q&A prep, and investor presentation decks, and non-deal roadshows reaching 200+ institutional investors annually. - Directed corporate development strategy and M&A initiatives, evaluating 20+ strategic opportunities annually including potential acquisitions, partnerships, capital allocation decisions supporting the bank's $15B+ annual loan growth, and M&A due diligence and FinTech partnerships that expanded the bank's digital footprint and non-interest income. - Partnered with C-suite to develop and communicate long-term strategic plan to the investment community, resulting in consistent outperformance vs. regional bank peers and top-quartile institutional ownership (75%+ of float). -Engineered VBA, SQL, and Python automation across the IR and corporate development workflow — eliminating days of manual data aggregation, automating investor reporting packages, and accelerating time-to-insight for C-suite and board-level deliverables. - Built and managed investor data room, market intelligence systems, and competitive analysis frameworks that reduced executive prep time for investor meetings by 40% and improved response time to investor inquiries to <24 hours. - Managed relationships with investment banks, rating agencies (S&P, Moody's, Fitch), and regulatory communications related to capital markets activities and strategic transactions. - Built and led a cross-functional team of 10+ professionals; implemented automated reporting systems (KPIs, P&L, Liquidity) that reduced executive "time-to-insight" from days to <24 hours.
- Recruited as first finance hire in the Americas for an insurtech unicorn (valued at $1+ Billion), establishing the U.S. finance infrastructure from the ground up to support 300%+ U.S. revenue growth. - Managed all financial operations for the Americas region generating $15+ Million in annual revenue and supported company's growth from $50 Million to $120 Million+ in global ARR. - Built and managed team of 10+, owning the P&L, monthly reporting, budgeting, and strategic planning. - Played key role in fundraising support and investor relations, creating the financial models and pitch decks that supported Series C capital raise $70+ Million. - Deployed VBA, SQL, and Python to automate global ARR and GWP reporting processes, shaving weeks off financial close, eliminating manual operational tasks, cutting costs, and accelerating executive "time-to-insight" for strategic pricing and fundraising decisions. - Orchestrated investor roadshow logistics and presentations for 30+ investor meetings during fundraising process, creating customized financial materials and talking points that resulted in new strategic investors. - Owned end-to-end production of quarterly Board decks and investor updates, synthesizing complex Insurtech metrics (GWP, Net Revenue Retention, CAC/LTV) - Engineered revenue models and pricing strategies for major partnerships, contributing to the acquisition of key enterprise clients and scaling U.S. GWP. - Built revenue recognition systems and models that scaled the embedded insurance platform across North American markets. - Worked with state insurance regulators across 15+ jurisdictions - Worked cross-functionally with insurance, legal and regulators on U.S. market requirements across products. - Supported fundraising + diligence as the U.S. finance point person—managed investor data requests, built scenario models, and produced Q&A support that improved speed/quality of responses during capital raise and partner/investor diligence cycles.
- Served as SVP and Head of Financial Reporting (~$5.5 Billion in assets), playing a pivotal role in the bank’s successful IPO (Nasdaq: AMAL). - Led team of 8 finance professionals managing all SEC and regulatory reporting for a $5.5 Billion asset institution with $4.8 Billion in deposits and $3.2 Billion in loans. - Led the production of the bank’s inaugural 10-K and subsequent 10-Qs/8-Ks, ensuring strict adherence to SEC and GAAP requirements. - Directed the acquisition accounting and integration for New Resource Bank, a strategic merger that expanded the bank’s national footprint. - Automated finance operations using VBA, SQL, and Python — eliminating days of manual data preparation across close cycles, SEC filings, and regulatory submissions, and significantly reducing error risk ahead of the bank's public debut. - Modernized the finance function by rolling out Workiva (WDesk), reducing the monthly close cycle by 5 days, reducing the quarterly close timeline from 18 to 12 days, and increasing data accuracy. - Prepared earnings releases, investor decks, and Board reports analyzing KPIs including 12% loan growth, deposit mix optimization, NIM compression from 3.2% to 2.8%, EPS growth of $0.15, and capital ratios (CET1 11.5%, Total Capital 13.2%) to guide executive decisions on $200+ Million annual growth strategy and $500 Million balance sheet management. - Designed executive-level dashboards breaking down EPS, NIM, Capital Ratios, and Loan/Deposit trends, empowering the C-Suite and Board to make agile capital allocation decisions.