Meet the Fractional CFO Who Helps Owners Stop Feeling Broke

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I’m Nick Marcogliese, and I didn’t set out to be a CFO.

I started by managing a $500K investment portfolio — the Tabor Investment Portfolio at Millikin University — thinking like an owner and investor, not just a guy crunching numbers.

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Then, tearing my Achilles became a turning point.
It forced me to slow down and rethink what I truly wanted to build.

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When I came back, I dove into the startup world, working alongside founders and investors inside ecosystems like Innovate Springfield.

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That’s when I discovered something game-changing:
I didn’t just have to bet on companies…
I could influence their numbers — shaping outcomes instead of waiting on them.

 

And here’s what I saw over and over:
The businesses that thrive don’t just have great products or services…
They understand their numbers and use them like a weapon to make confident decisions.

 

Most don’t.
And it bleeds them dry — slowly, silently, until it’s too late.

 

With degrees in Finance and Experimental Cognitive Psychology, I launched Living Water Consulting to bridge the math and the mindset for small business owners.

 

Today, I help them:

• Stop the cash bleed

• Grow profitably

• Build financial systems that actually support the life and business they want

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…all without hiring a full-time CFO.