Meet Nick, The Fractional CFO
I’m Nick The Fractional CFO, and I didn’t set out to be a fractional 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.
Then, tearing my Achilles became a turning point.
It forced me to slow down and rethink what I truly wanted to build.
Rather than sitting at home, I dove into the startup world, working alongside founders and investors inside the Innovate Springfield ecosystem.
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:
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Stop the cash bleed
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Grow profitably
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Build financial systems that actually support the life and business they want
…all without hiring a full-time CFO.
Living Water Consulting's Story
Living Water Consulting is a fractional CFO firm based at The Wedge in Alton, IL. We serve small businesses and startups across the Metro East with expert financial advising designed to help you grow profitably — without hiring a full-time CFO.
We help you build your Championship Financial Gameplan — and make the right course corrections along the way. Whether you're fixing a cash flow crunch, refining your pricing, or planning a major pivot, we bring strategy and direction to the financial decisions that drive growth and build real wealth.
At Living Water, we’re more than number-crunchers. We’re your financial co-pilot — helping you make smart, confident decisions so you can gain financial freedom and build a legacy that lasts.
Mission
Our mission is to stop the financial bleed that puts small businesses at risk by providing a Championship Financial Gameplan at a fraction of the cost of a full-time CFO.
Vision
To help small business owners grow their wealth, gain financial freedom, and build lasting legacies — creating stronger families, communities, and futures.
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