Your business is making money. so why are you still struggling to understand what’s happening financially?
You HAVE PEOPLE HANDLING YOUR FINANCES. YOU’RE RECEIVING REPORTS.
But you still have questions, and you’re not getting the answers or direction you need.
I help established women business owners get to the bottom of what's happening financially, understand what needs attention, and determine what to do next.
When the money grows faster than the systems, the stress gets louder.
You’ve got income. Clients. Momentum.
But behind the scenes, it’s a quiet storm of second guessing, financial fog, and the fear of making a wrong move.
Your books are technically “done,” but you don’t trust them
You’re paying people but not paying yourself consistently
Big decisions feel like guesswork, and the stakes are high
You avoid financial reports because they just remind you what’s unclear
Your team looks to you for direction but you’re still trying to find it yourself
You’re holding it together but just barely.
You’re not confused.
You’re carrying too much financial responsibility.
And no one’s shown you how to lead at this level without burning out.
Making money is not your issue. Understanding what's happening with it is.
You want to know what’s working, what needs attention, if you should be doing things differently, and if you’re doing the right thing – at the right time – that makes the most financial sense for you.
You need someone who can give you answers you understand and direction you can actually use.
"What if managing the money didn’t feel so heavy anymore?
Imagine opening your financial reports and actually understanding what you're looking at.
Knowing where your money is going. Understanding what's working, what's costing you, and what needs your attention.
Imagine asking a financial question and getting an answer that makes sense. Having someone who can look beyond the reports, identify problems you may not even know exist, and explain what needs to happen next.
That's what I want for you.
When we work together, …
I assess what's happening financially, identify the risks and opportunities, and help you determine the best path forward.
You'll have someone looking at the bigger financial picture, asking the questions that need to be asked, and helping you make decisions based on what your business can actually support.
And just as importantly, you'll begin to understand your business's finances well enough to participate in those decisions with confidence.
You deserve answers. You deserve direction. And you deserve to understand the financial reality of the business you own.
You don’t need to figure this out alone.
You need a financial partner who brings clarity, calm, and strategy - and stays until the work is done.
Whether you’re ready for a full CFO, a one-time financial assessment, or just need strategic guidance to stop the swirl…
THERE IS A WAY FORWARD.
And it starts here.
Experience matters when financial decisions carry real consequences.
500+
Clients Served
Over $100 MILLION Managed
40+ Years
of Experience
I’m
I stay calm so you can too.
I'm Toki Simmons, a CFO and Financial Oversight Consultant with 40+ years in finance.
I've worked with women business owners who were making money, had accountants handling their books, and were receiving financial reports. But when they needed answers about what was happening financially, they weren't getting them.
And I've learned something over the years. Just because a number appears on a financial statement doesn't mean it's correct. And just because someone prepared the report doesn't mean they can explain what's in it.
That's why I ask questions. I look beyond the reports, identify what needs attention, and make sure we understand what's actually happening before recommending what to do next.
I'm not easily rattled when the numbers don't make sense. I've seen enough over the years to know that most financial problems can be worked through once we understand what we're dealing with.
And I don't believe you should have to become a financial expert to understand what's happening in your own business.
My job is to help you understand the financial reality, identify your options, and make decisions you can stand behind.
That's where I come in.
When the pressure is rising, I don’t flinch. I listen, assess, and lead.
Lura's gross revenue is 4x higher & her net profit Is 6x HIGHER after working with Toki.
what clients say after working with me…
Law Office
“Working with Toki as my fractional CFO has truly been a saving grace. She brings an incredible amount of wisdom, but more than anything, she brings calm. Toki does not sugarcoat or coddle. She is honest, direct, and practical, but she also makes you feel safe. That balance is rare.”
— J. Parker
Attorney | Private Practice
Nonprofit Leader
“Before working with Toki, I was carrying the weight of financial complexity largely on my own. What feels different now is clarity, confidence, and steadiness. She helped me gain a realistic understanding of our financial health and possibilities, which has directly shaped smarter decisions and stronger leadership. She has a rare gift for simplifying complex realities while honoring the bigger vision.”
— C. Jenkins
Leader, Multimillion Dollar Organization
Small Business Owner
“We were struggling to set and capture our KPIs, and cash flow was our biggest problem. Since working with Toki, we've established new pay structures for our sales team and renegotiated terms with creditors. I feel like we're making more responsible and informed financial decisions. Toki is excellent at what she does, but she is also all in with her clients, and that makes all the difference!”
— Brennan
Owner | Established Small Business
Ways to Work With Me
Every business doesn't need the same level of financial support.
Whether you need answers to specific financial questions, ongoing guidance, or someone working alongside you and your team, we'll determine what makes the most sense for your business.
Risk & Exposure Assessment
$7,500 / 10 Day Turnaround
Find out what's putting your business at risk and what needs to happen next.
Your business is generating revenue, but something isn't adding up. Maybe cash flow is tighter than expected. Expenses are increasing. Or you're making significant financial decisions without fully understanding what your business can support.
During this focused engagement, I'll conduct a comprehensive assessment of your business's financial position, examining cash flow, financial risks, operational inefficiencies, and the structural issues that may be creating pressure.
I'll identify areas of concern, evaluate their financial implications, and determine what needs your immediate attention.
What you'll walk away with:
A clear understanding of your business's current financial position.
Identification of financial risks, vulnerabilities, and areas of exposure.
Prioritized findings so you know what requires immediate attention.
My recommendations for addressing the issues identified.
A private strategy session where we'll review the findings and discuss your next steps.
You'll also receive a comprehensive written Findings Report documenting the assessment and recommendations.
You'll understand where your business stands financially, what needs your attention, and what steps I recommend you take next.
CFO Partner
$56,500 / 6 MONTH ENGAGEMENT
For established women business owners who need an experienced CFO working alongside them, overseeing their finances and helping guide important business decisions.
You've built a successful business. You're generating revenue, managing people, and making financial decisions that carry real consequences.
But you're still the person everyone turns to when financial questions come up. You have people handling the books, but you need someone who can look at the bigger picture, recognize problems, and help you determine what needs to happen next.
And when you're considering hiring, expanding, taking on a major contract, or making a significant investment, you want to know what your business can actually support before you commit.
As your embedded fractional CFO, I provide ongoing financial oversight, assess risks and opportunities, monitor cash flow, and help you understand the financial implications of the decisions you're making.
And you won't have to coordinate your bookkeeper, CPA, and financial strategy separately. My financial team manages your day-to-day bookkeeping while I provide the oversight and financial leadership.
Everything runs through one structure, saving our clients approximately $100,000 per year.
CFO Advisory
$5,000/month, 6 MONTH MINIMUM
For established women business owners who need ongoing financial guidance, clearer answers, and an experienced CFO to help them make informed decisions.
You're running a successful business. You have people handling your finances and you're receiving reports, but you still have questions about what's happening financially.
You want to understand what's working, what needs attention, and whether you're making the right financial decisions for your business.
Maybe cash flow isn't where you expected it to be. Expenses are increasing. Or you're considering hiring, expanding, borrowing, or making a significant investment, and you want to understand what your business can actually support.
Through our monthly advisory engagement, I'll review your financial performance, assess cash flow, identify risks and opportunities, and help you understand what the numbers are telling us.
We'll discuss your concerns, evaluate your options, and determine what makes the most financial sense for your business.
And when you're considering a major decision, we'll look at what your business can support, what assumptions you're making, and what could happen after you've committed.
My role isn't to judge what happened. It's to help you determine what should happen next.
You'll have an experienced CFO reviewing your financial position, answering your questions, and providing ongoing guidance so you can make decisions with greater confidence.