Partnering Smarter With Your CFO: Financial Vital Signs

Most business emergencies don’t appear out of nowhere. They build slowly through overlooked financial red flags that leaders often miss until it’s too late. How do you know if your books are truly in order, or if the numbers you’re seeing are hiding deeper issues? In this episode, Maartje van Krieken talks with Ryan McGarghan, founder of Synergy Solutions, fractional CFO and certified exit planning advisor, about the habits and warning signs that reveal the real health of a company. Ryan explains why consistent bookkeeping and payment practices are non-negotiable, how to recognize when your finance team isn’t giving you straight answers, and why a clear money trail is essential for strong decision-making. He also shows how finance can play the “bad cop” role that protects vendor and customer relationships, and why exit planning belongs in everyday business continuity rather than at the last minute. With his perspective on the “five Ds” that trigger unexpected exits, Ryan points out how thoughtful planning protects value and gives leaders more choices when it matters most. What conversations about finance are you not having yet and what might they reveal?

Episode Breakdown:

00:00 Introduction 

02:13 Financial Emergency Example

06:10 Key Financial Red Flags Leaders Miss

09:35 Finance as the Bad Cop in Business

15:41 Exit Planning Essentials for Business Owners

20:37 Business Continuity and the 5 Ds of Exit Planning

22:20 Why Hire a Fractional CFO

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Synergy Solutions

Ryan McGarghan is the founder of Synergy Solutions, serving as a Fractional CFO and Certified Exit Planning Advisor with more than 25 years of experience helping small and mid-sized businesses strengthen their finances, grow profitably, and plan for long-term success. A Profit First Professional, speaker, and mentor, he specializes in guiding companies between $1M and $25M in revenue to build lasting value while giving entrepreneurs greater freedom, stability, and purpose.

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Host Maartje van Krieken is a crisis strategist and decision-making expert who thrives in high-stakes business environments. Combining disaster management training, hands-on experience in global industries, and leadership skills honed as a seasoned sailor, she helps businesses navigate chaos with precision. Whether tackling transformation, scaling challenges, or leadership bottlenecks, Maartje delivers actionable insights to turn turbulence into traction. 

Podcast production and show notes provided by HiveCast.fm