PRACTICAL FINANCE

Practical Finance Solutions Corporation

Agility in Clarity

Contact Jared at Practical Finance ← Back to Business Critical AI

>₱1B

Tax & Regulatory Exposure Prevented

3,600%

ROI on Tax Savings & Year 1 Margin Growth

212%

Average Revenue Growth Achieved

Comprehensive Enterprise Solutions

Forensic Accounting & AI Intelligence

  • AI-powered financial irregularity detection
  • Comprehensive record reconstruction
  • Undeclared account discovery
  • Hash-chain authenticated audit trails
  • Documentation for regulatory defense
  • Zero-defect BIR compliance

Digital Platform Modernization

  • Universal ERP integration capabilities
  • Legacy system transformation
  • AI agent deployment for automation
  • Cloud-based platform migration
  • Automated reconciliation processes
  • Real-time financial reporting

Strategic CFO Advisory

  • Full CFO solutions when needed
  • Financial forecasting with AI insights
  • Capital raising and IPO preparation
  • Tax and ESG compliance guidance
  • Strategic growth planning
  • M&A readiness and valuation

The Perfect Partnership

While Business Critical AI catches problems in real-time, Practical Finance builds the systems and controls that prevent them from happening again.

What Practical Finance Delivers

Policy Framework

Comprehensive financial policies and procedures tailored to your business model and risk profile.

Reconciliation Systems

Automated reconciliation processes that catch discrepancies before they become major issues.

Financial Reporting

Executive-level reporting that provides clarity on performance, trends, and areas needing attention.

Compliance Controls

VAT, tax, and regulatory compliance systems that reduce audit risk and ensure accuracy.

Staff Training

Training programs that ensure your team understands and follows best financial practices.

Ongoing Support

Continuous monitoring and refinement of your financial systems as your business grows.

How We Work Together

Immediate + Long-term Value

Business Critical AI gives you instant alerts when something goes wrong. Practical Finance builds the systems that prevent those alerts from triggering in the first place.

Phase 1: Immediate Response

Business Critical AI identifies and alerts on current profit leaks

Phase 2: Strategic Implementation

Practical Finance builds controls and systems to prevent future occurrences

Phase 3: Continuous Improvement

Both platforms work together to refine and optimize your financial operations

Your 10-Year Transformation Trajectory

Following our proven recipe of building an optimized foundation through digitalization

The 5 Strategic Levers We Deploy

+20%

Revenue Growth

Pricing & volume optimization

-10%

Cost Reduction

Sustainable digitalization efficiencies

-5%

Working Capital

Better management & negotiating power

+4%

Treasury Yield

Risk-managed placements

-5-10%

Tax Optimization

Business intelligence & strategy

Year 1 Impact

2.3x

Free Cash Flow

  • • EBIT margin: 20% → 40%
  • • Extra 19% of sales in cash
  • • Immediate liquidity surge

Year 5 Position

3.7x

Free Cash Flow

  • • Revenue: 1.8x baseline
  • • Self-financing growth
  • • M&A capability unlocked

Year 10 Achievement

6x

Free Cash Flow

  • • Revenue: 3x baseline
  • • Enterprise value: ~8x
  • • Net-cash-positive fortress

The Digitalization Advantage

This trajectory assumes a smoothing effect starting Year 3 as digitalization matures. Revenue growth through pricing and volume levers, cost reduction through sustainable efficiencies, and consistent tax optimization through business intelligence combine to create exponential value. By Year 10, companies following our recipe transform into cash-rich, margin-dominant platforms ready for any opportunity.

Strategic Takeaways

Working Capital as Cash Engine

5% efficiency release compounds—every extra sales dollar needs permanently less cash tied up in the cycle.

Tax Strategy as Self-Funding R&D

5-10% permanent reduction in tax leakage funds innovation and technology without touching operating cash.

From Growth-Hungry to Capital Allocator

By Year 10, management shifts to redeploying abundant internal funds while maintaining investment-grade balance sheet.

Our Core Philosophy

Agility in Clarity

Transforming financial chaos into strategic advantage through sincerely transparent AI- and hash-chain-enabled automation. We establish solid financial foundations so businesses can pursue growth without structural vulnerabilities.

Our Promise to Leadership

For CEOs

We deliver the financial accuracy necessary for confident decision-making without requiring long-term commitments.

  • Make strategic decisions based on verified data, not assumptions
  • Secure funding with books that withstand any due diligence
  • Sleep soundly knowing regulatory compliance is bulletproof
  • Scale confidently with real-time financial visibility

For CFOs

We handle the overwhelming reconstruction and system challenges so you can focus on strategic priorities.

  • Shift from historical cleanup to forward-looking strategy
  • Achieve 2-day month-end close with automated workflows
  • Present board-ready reports with complete confidence
  • Focus on value creation, not firefighting

Practical Technology Platform

AI Intelligence

Predictive analytics and automated forensic accounting with 95%+ accuracy rates

+

Hash-Chain Security

Fast, cost-effective document authentication with immutable audit trails for regulatory compliance

+

Universal Integration

Seamless connectivity with any ERP system and government networks

+

Automated Workflows

2-day month-end close target with intelligent process automation

Warning Signs Your Enterprise Is At Risk

Month-end close takes weeks instead of days
Reports contain unexplained discrepancies
Tax filings require last-minute extensions
Growth opportunities missed due to uncertainty

Building Your Complete Finance Function

Most companies struggle because their finance pyramid has broken or missing layers. We rebuild from the foundation up.

CFO

Strategic decisions: capital allocation, fundraising, stakeholder management

FP&A

Forward-looking planning, trends analysis, liquidity and performance management

Controlling

Management reporting and budget oversight

Accounting

Basic bookkeeping for compliance and taxes

Payments & Collections

Day-to-day operations

Common Problems

  • ❌ Missing layers create blind spots
  • ❌ Manual processes at each level
  • ❌ No integration between layers
  • ❌ CFO stuck in operational tasks

Our Solution

  • ✓ Rebuild every layer properly
  • ✓ Automate with AI agents
  • ✓ Integrate with hash-chain security
  • ✓ Free CFO for strategic work

Our Approach

A proven three-pillar methodology that transforms financial operations while respecting your autonomy

Foundation Building

We meticulously reconstruct accurate records, identify undisclosed accounts, and establish proper documentation.

  • Forensic financial reconstruction
  • Hidden asset and liability discovery
  • Zero-defect regulatory compliance
  • Clean books ready for any audit

System Repair

We diagnose and fix broken accounting systems, implementing controls and workflows for reliable reporting.

  • ERP implementation and integration
  • Automated workflow deployment
  • AI-powered reconciliation
  • Hash-chain document security

Knowledge Transfer

We ensure your team understands the new foundation and can maintain it going forward.

  • Team training and enablement
  • Process documentation
  • Sustainable independence
  • Optional ongoing support

Result: Complete freedom to scale at your desired velocity with confidence

Your Progressive Transformation Journey

From manual chaos to AI-powered clarity through a proven four-stage progression

1

Digitization

Convert paper to digital. Scan receipts, encode transactions, create electronic files.

2

Digitalization

Transform data into workflows. Implement ERP, connect processes, enable reporting.

3

AI Automation

Deploy intelligent agents. 95%+ accuracy, predictive analytics, prescriptive insights.

4

Hash-Chain

Secure all documents. Fast, cost-effective authentication with full audit integrity.

Direct Solutions, Complete Flexibility

We deliver immediate impact while respecting your autonomy to determine future direction

The Hidden Cost of Inaction

  • Tax Exposure: Massive regulatory penalties
  • Missed Capital: Lost funding from failed due diligence
  • Value Destruction: Below-market acquisitions
  • 35-50% slower growth rates
  • 12% hidden profitability leakage
  • Unprofitable expansion decisions

Client Success Outcomes

  • 3x faster month-end closes
  • Zero compliance issues maintained
  • 50% growth acceleration achieved
  • IPO and M&A readiness established
  • Enhanced operational efficiency
  • Increased enterprise valuation

Our Promise to You

  • Solve complex accounting problems
  • Build reliable fiscal foundations
  • Transfer knowledge to your team
  • Scale at YOUR desired velocity
  • No long-term commitments required
  • Complete freedom in future decisions

Led by Proven Financial Expertise

Jared Valarao, CPA, CMA, CFC, MBA

Founder & CEO, Practical Finance Solutions Corporation

17+ Years Experience Certified Public Accountant Certified Management Accountant Certified Financial Consultant Executive MBA, AIM Dean's List ACCA Expert Link Panel Member Asia's Visionary Leader in Financial Innovation 2025 International Resource Speaker

With over 17 years of experience transforming organizations from financial uncertainty to strategic clarity, Jared brings unparalleled expertise in corporate rescue, financial turnaround, and system repair.

His track record includes steering the Philippines' third-largest airline from pandemic-induced insolvency to operational recovery, achieving profit growth at Colgate-Palmolive that exceeded entire European business units combined, and preventing over ₱1 billion in potential penalties while establishing growth foundations for multiple clients.

As an international thought leader on sustainable finance and corporate governance, Jared leverages startup ecosystem expertise to drive commercial value across multinationals, SMEs, and social enterprises. His "Agility in Clarity" approach has delivered consistent results: 3,600% ROI on tax savings, USD 16M margin improvements, and successful transformations across aviation, FMCG, BPO, and real estate sectors.

Transform Uncertainty into Strategic Advantage

Join leading enterprises who have moved from financial chaos to market leadership with our AI-powered solutions

Contact Jared for a Consultation

Most clients avert regulatory penalties within 60 days of engagement