No real cash flow visibility
You know the bank balance, not the runway, so nobody can say with confidence what next month actually looks like.
A Retained CFO for Growing Businesses
Executive financial leadership, without the full time salary.
A qualified Financial Controller in the room for the decisions that matter: real numbers, real forecasts, and a steady hand on your cash. For growing businesses in Grenada, the Eastern Caribbean, and Trinidad and Tobago.
- FCCA / ACCA qualified
- IFRS for SMEs
- Grenada and the wider Caribbean
The cost of flying blind
Most SMEs do not fail on sales. They fail on financial visibility.
A bookkeeper records the past. An auditor checks it once a year. Neither is sitting beside you when a decision needs to be made. That gap is expensive, and it usually shows up at the worst possible time.
Surprises at year end
The annual accounts arrive months late and tell you what happened, not what to do about it now.
Decisions made on gut feel
Big calls on hiring, pricing, and loans get made without a model behind them, and margins erode quietly.
The fix is not more software. It is having a qualified finance leader accountable for the numbers every single month.
Four ways to work together
Pick the level of finance leadership you need now.
Most clients start with a retained Financial Controller, then move up as the business grows.
Bronze
Compliance & Accounting
A clean, reliable financial backbone.
See what is includedSilver
Retained Financial Controller
A qualified Financial Controller embedded in your business, owning the monthly finance cycle and turning data into decisions.
For: Growing SMEs that need finance leadership but not a full time hire.
- Board ready monthly management accounts
- 13 week rolling cash flow forecast
- Annual budget with monthly variance analysis
- Margin and cost control reviews
- Monthly leadership meeting and commentary
Gold
CFO Advisory
Strategic financial partnership for the big moves: financing, expansion, restructuring, and investor or bank conversations.
See what is includedPlatinum
Budgeting and Planning
An assumption-driven annual budget and a five-year plan built to board standard, with base, upside, and downside scenarios.
See what is includedA full time Financial Controller is a major fixed cost.
The retained model gives you that same qualified expertise for a predictable monthly fee, scaled to what your business actually needs.
Request a complimentary financial health reviewComplimentary and no obligation. Retainers are quoted after the review.
Sector expertise
Every industry has its own financial trap.
We know the specific number that makes or breaks the margin in each sector we serve.
Not on the list? Start a conversation.
How it works
From first review to monthly leadership.
A simple, low friction start. No long tie in to find out whether it fits.
- 01
Financial health review
We start with a complimentary, no obligation review of where your finances stand today: cash position, margins, reporting, and the risks hiding in plain sight.
- 02
A clear plan
You receive a focused plan: what to fix first, the reporting you will get each month, and the right level of support for your stage and budget.
- 03
Monthly leadership
Every month you get board ready accounts, an updated cash flow forecast, and a working session to turn the numbers into decisions.
Led by a qualified Financial Controller
FCCA / ACCA qualified · Grenada and the wider Caribbean
Why trust us with your numbers
Qualified, experienced, and focused on your business.
Helm Financial and Advisory Services is led by a qualified Financial Controller (FCCA / ACCA) with years of hands-on experience running a real finance function, now focused entirely on your business, wherever it operates across Grenada, the OECS, and Trinidad and Tobago.
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FCCA / ACCA qualified
Led by a fully qualified chartered certified accountant, held to the professional and ethical standards of the ACCA.
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Financial Controller experience
Years spent running a real finance function: closing the books, building budgets, managing cash, and turning numbers into decisions.
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IFRS for SMEs standards
Accounts prepared to a recognised international framework that banks, investors, and auditors trust.
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Built for the Caribbean
Fluent in the realities of doing business in the Caribbean: local banking, regulation, and market conditions.
Questions, answered
Before you book, the things people ask.
Straight answers, so the free review is the only step you need to decide.
Still have a question? Start a conversation- How much does a retained CFO cost?
- Every engagement is scoped to your business, so your retainer is quoted after the free review, never before. There is no long tie-in, just a simple monthly arrangement you can adjust as you grow.
- How is this different from my accountant or bookkeeper?
- A bookkeeper records the past and an auditor checks it once a year. A retained Financial Controller is accountable for your numbers every month, and is in the room when a real decision needs to be made.
- Am I locked into a long contract?
- No. The arrangement is monthly with no long tie-in, and the first review is complimentary. You decide whether it fits before you commit to anything.
- What happens in the free review?
- A 30-minute call and a clear one-page read on your cash position. No obligation and no sales pitch. If we are not the right fit, we will tell you plainly.
- Which businesses do you work with?
- Growing SMEs across the Caribbean, with deep experience in hospitality, retail and wholesale, construction, and professional services. If your sector is not listed, the financial discipline is the same.
- Do you work remotely?
- Yes. Helm works with businesses across the wider Caribbean, on site or remotely, whichever suits how you run.
Find out where your finances really stand.
Request a complimentary financial health review. We will look at your cash position, margins, and reporting, then tell you honestly what is working and what is not. No obligation to go further.
Request a complimentary financial health reviewOnly a limited number of reviews each month. A retained engagement is a predictable monthly fee, far less than a full-time hire.
- Complimentary and no obligation
- Keep the findings, even if we never work together
- A qualified accountant, not a sales call
Prefer to talk first? Email us at hello@helmadvisory.gd.