Meet Toey

My professional journey began at PwC, where I built a robust foundation in auditing, financial operations, and accounting across consumer, manufacturing, and healthcare sectors. This experience instilled in me the unwavering commitment to financial integrity that remains at my core today—elements I consider non-negotiable for businesses with ambition.

Transitioning to Krung Thai Bank in Thailand expanded my horizons into corporate banking, where I managed complex finance structures and diverse banking products both domestically and internationally. My later years heavy in investment banking gave me a keen eye for value creation across infrastructure, consumer, and service industries.

My tenure at CIMB Thai Bank and Bank of America further refined my strategic approach to finance. Working on M&A transactions, capital raises, and investor relations across technology, healthcare, retail, and industrial sectors taught me something crucial: good stories and good numbers go hand in hand. One doesn't sell when the other isn't reliable.

As a CFO, I've synthesized these diverse experiences to partner with high-growth businesses throughout Southeast Asia. Beyond just managing numbers, I've built scalable systems and provided the financial roadmaps that ambitious companies need. My fundraising background has proven invaluable—I understand when to hold firm on principles and when flexibility serves the greater vision, but not without compromising ethics and integrity. You go fast with good stories and good numbers, and you go far with integrity.

What drives me today is helping businesses transform financial strategy from a limiting factor into a catalyst for growth. I believe that thoughtful financial leadership should illuminate pathways rather than merely identify obstacles. Business leaders need reliable numbers to work with, and a trustworthy thought partner. I provide both to you.

Expert Insights

Why Fractional CFO?

When it comes to managing your company's financial strategy and operations, several options exist to meet your specific needs. Understanding these options helps you make the right choice for your business stage and goals.

Below, we break down the most important aspects where these models differ—so you can make an informed decision on whether a Fractional CFO is the right fit.

A full-time CFO is a permanent executive responsible for the company’s overall financial strategy, operations, and team. This role is fully embedded in the organization and typically works closely with the CEO, board, and department heads on a daily basis.

A fractional CFO is a senior finance professional who works with a company on a part-time, long-term basis—usually a set number of hours per week—to provide strategic financial leadership without being on the full-time payroll.

A part-time CFO is similar in time commitment but typically handles more routine or operational responsibilities on a recurring schedule.

An Interim CFO fills a temporary gap in financial leadership during transitions, such as when searching for a permanent CFO, during acquisition processes, or when implementing significant financial projects.

Level of Commitment

• Full-Time CFOs are fully dedicated employees—immersed daily in your operations and team.

• Fractional CFOs commit part-time (varied; from 8 to 25 hours/week), focused on strategic outcomes, available long-term but flexible.

• Part-Time CFOs work on fixed weekly schedules (e.g., 1–2 days/week), often with ongoing recurring responsibilities.

Use Fractional CFO if you need continuity and strategy without the cost and rigidity of a full-time role.
Avoid if your business requires someone physically present and deeply engaged every day.

Primary Focus: Strategic vs. Tactical

• Full-Time CFOs balance both strategic leadership and day-to-day operational involvement.

• Fractional CFOs are strategic by design—brought in to provide decision support, drive investor confidence, and guide financial direction.

• Part-Time CFOs may cover both, but lean toward well-defined and recurring tasks such as reporting, compliance, and light oversight.

Use Fractional CFO when you need strategic insight, structuring guidance, investor-facing expertise, or capital planning—not daily firefighting.
Avoid if you’re seeking someone hands-on in financial operations, supervising a large internal team.

Team Integration & Leadership

• Full-Time CFOs build, lead, and grow the finance team.

• Fractional CFOs work best when there is an existing team (e.g., a finance manager or accountant) and what’s missing is experienced leadership to guide decisions and mentor

• Part-Time CFOs usually plug into an existing team and focus on maintaining continuity in routine work in an already well-structured work environment

Use Fractional CFO if your finance team is in place, and you need executive-level leadership layered on top.
Avoid if you lack foundational finance staff such as a controller or bookkeeper and need someone to build the function from scratch.

When a Fractional CFO Is a Great Fit

• Venture-backed startups from Seed to Series C.

• Businesses preparing for fundraising, investor due diligence, or strategic planning.

• Companies with existing finance teams, needing stronger leadership at the top.

• Founders or CEOs who need an experienced CFO as a thought partner, not just an operator.

When a Fractional CFO Is Not Enough

• You’re a late-stage company requiring full-time oversight of a large finance organization.

• Your business is undergoing complex restructuring, M&A, or IPO, which demands daily CFO engagement.

• You have no internal finance infrastructure and need someone to build, hire, and operate from the ground up.

Final Takeaway: Why Choose a Fractional CFO?

A Fractional CFO offers strategic insight, flexibility, and speed—without the commitment and cost of a full-time hire. It’s ideal for startups and growth-stage companies that need senior finance expertise to make confident decisions, attract investors, or scale responsibly.

But a Fractional CFO is not one-size-fits-all. When daily operational leadership or large-scale execution is so critical, other models like Full-Time or Interim CFOs may be more appropriate.

At ARPA Advisory, we help you assess your needs honestly—and deliver the right finance leadership model for your company’s stage, structure, and strategic goals.