About

The team that makes your next call defensible.

Decisive Finance is a small, senior team built for one job: the decision layer your accountant, your bookkeeper, and your monthly reports were never built to give you. Find the trapped value. Defend the next call. Prove it in the cash.

The team

Three people. One job.

Russell Fette

Founder, Chief Financial Officer

Russell Fette runs Decisive Finance and created Financial Rhythms™, the decision rhythm that lets growing companies make every major call from a view built to decide from, on guarantee. Two decades of finance leadership across Microsoft, JPMorgan Chase, and operating companies at every stage. At Pathwright he drove 40% year-over-year revenue growth and quadrupled net income margin without outside capital. That is where Decision-First Finance took shape. BA in Economics from Whitman College (Phi Beta Kappa).

Christopher Koo

Director of Finance

Christopher architects the financial systems that turn a Diagnostic into execution. Senior finance across JPMorgan, Citi, Imprint, and Synchrony before this; credit-portfolio decisions compressed from weeks to days, reporting lag on a $76B banking portfolio cut in half, product, capital, and pricing strategies aligned to recover millions in partnership value. He turns finance from a rearview mirror into a forward system. BA in Financial Mathematics, Lehigh University. Inside a Decisive Finance engagement, Christopher owns the Unit Economics Dashboard, the Product Line P&Ls, and the Scenario Forecast.

Payal Halani

Finance Analyst

Payal runs the financial analysis layer of every Decisive Finance engagement. Inside a Diagnostic, she turns a messy general ledger into a ranked inventory of decisions, in dollars. Inside a Resolution, she maintains the Forward Capital Register, the weekly actuals-vs-prediction reconciliation, and the cross-subsidy map that reveals which products and customers are actually carrying the business. She is the operational constant between Day 1 and Day 90.

Three pillars. One system.

This is not a roster of consultants. It is a synchronized team running one playbook.

The decisions weren't wrong. You made them on the only numbers you had, and those numbers were never built to decide from.

We don't audit the past. We make the next call defensible. Everyone who touches your books is paid to serve something else: the filing, the close, the report. Nobody is paid to build the view you decide from. That is a different job, and it is the one we do.

  • Russell runs diagnosis and the Three-Path recommendation. He is in every Diagnostic from the Forward Capital Report forward.
  • Christopher runs the forecast and the Decision Package. He owns the output the owner walks into every major negotiation with.
  • Payal runs the dollarization, the reconciliation, and the register. She is the reason the numbers hold up when anyone pushes on them.

Together we install the rhythm the Decisive Finance guarantee measures against. The Decision Diagnostic delivers by Day 14 or you pay nothing. The 90-Day Resolution delivers the installed rhythm by Day 90 or refunds everything paid to date. The Decision Partnership runs the rhythm on retainer and validates Realized Value quarterly.

You walk into every major decision able to point at the number behind it, and the recovered cash proves the view was right.

Start with 30 minutes.

No pitch. You leave with at least one named action.

Book 30 minutes with Russ

Decide from the numbers. Prove it in the cash.