Joe Grabowski is a distinguished financial services executive with over two decades of expertise in corporate finance, commercial real estate, and asset management. As the fractional chief financial officer of Blue Jay Investments LP and managing member of The Afton Group, LLC, he provides strategic financial consulting, forecasting, and cost analysis services. His career includes leadership roles at Regions Bank and Wells Fargo, where he managed large portfolios, optimized risk management strategies, and drove financial growth. A dedicated community leader, Joe has served on multiple nonprofit boards and holds an MBA from Azusa Pacific University. His strategic vision and financial acumen make him a trusted leader in the industry.

Rick Pinkowski is an accomplished financial and strategic leader with over 34 years of experience in higher education, finance, and organizational development. Throughout his career, Rick has demonstrated a strong commitment to integrity, ethical leadership, and community service, helping organizations grow and thrive. His deep expertise spans financial operations, human resources, student services, and capital planning, allowing him to drive impactful change in the institutions he has served. As Vice President for Finance at Villa Maria College and Hilbert College, Rick led significant projects that improved business practices, secured key funding, and enhanced operational efficiency. His ability to manage complex financial portfolios, lead multi-year strategic planning, and oversee large-scale capital projects has been instrumental in the success of these institutions. Rick is known for his strategic foresight, innovative thinking, and collaborative approach, which have made him a trusted leader and advisor. Now transitioning into a consulting role after retirement, Rick continues to lend his expertise to various not-for-profit organizations, offering fractional CFO services and project management support. He is actively involved in several boards and committees, including the Middle States Commission on Higher Education and the Foundation for Jewish Philanthropy, where he contributes his knowledge of finance, governance, and institutional growth. Rick's passion for education, leadership, and community involvement extends beyond his professional roles. He is dedicated to using his skills and experience to help organizations achieve sustainable growth, and he remains deeply committed to supporting the communities he serves.

A fractional CFO offers a strategic and cost-effective solution for organizations seeking high-level financial leadership without the commitment of a full-time hire. With expertise in financial planning, cash flow management, and scaling operations, fractional CFOs bring a wealth of experience to optimize financial systems and drive growth. They provide actionable insights, implement robust controls, and align financial goals with strategic objectives, enabling informed decision-making and sustainable expansion. Flexible and resource-efficient, a fractional CFO empowers businesses to navigate financial complexities, seize growth opportunities, and achieve long-term success in a dynamic market environment.

I'm excited to share my executive biography, detailing over 45 years of experience in financial management, strategic planning, and helping companies grow. From turning around struggling businesses to advising on successful mergers and acquisitions, it's been an incredible journey. Here is my biography.