About

The team behind the Diagnostic.

Decisive Finance is a small, senior team built for one job: finding the decisions a stalled funded-tech company is running on, resolving them with a Three-Path Model, and installing the engine that keeps doing it. Most Diagnostics surface $22,500 to $30,000 of forward-reallocation potential in 14 days. Guaranteed.

The team

Three people. One job.

Russell Fette

Founder, Chief Financial Officer

Russell built his career solving the one problem that keeps founders awake at 2 a.m.: getting ambushed by the numbers. Two decades of finance leadership across Microsoft, JPMorgan Chase, and high-growth SaaS, then five years inside venture-backed companies watching the same pattern repeat. Round closes, decisions get made fast in a context that no longer exists, and eighteen months later the P&L is carrying the cost of every one of them. At Pathwright he drove 40% year-over-year growth and quadrupled net income margin without outside capital. That is where Decision-First Finance took shape. He then built Financial Rhythms™, the operating system that installs the Diagnostic as a repeatable engine after the engagement ends. 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 dollarized, ranked inventory of decisions. Inside a Resolution, she maintains the Decision Revalidation Register, the weekly actuals-vs-prediction reconciliation, and the cross-subsidy map that almost no one on the cap table has ever seen. 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.

Each of us owns a named layer of the Decision Loop.

  • 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 CEO walks into the board meeting with.
  • Payal runs the dollarization, the reconciliation, and the register. She is the reason the numbers hold up when the board pushes on them.

Together we install the engine the Decisive Finance guarantee measures against. Tier 1 delivers by Day 14 or refunds the fee. Tier 2 delivers the installed engine by Day 90 or refunds everything paid to date. Tier 3 runs the engine on rhythm and certifies Realized Value quarterly.

The category belongs to the market. We are one operator inside it.

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