About Tracy Germani

Founder of Clarity Financial Solutions

With over 20 years of experience in corporate finance and real estate investing, I bring a passion for numbers and data analysis to every client relationship. My mission is to share this expertise in a way that empowers you to feel confident and in control of your business's financial decisions.

My Values

I believe in integrity, excellence, and compassion—values that guide every aspect of my consulting practice. Having worked closely with many small business owners, I understand the unique challenges you face, particularly if you're managing a solo operation.

My approach extends beyond spreadsheets and financial statements. I provide expert, personalized financial guidance in a supportive environment that respects your vision. My goal is to clear away financial confusion so you can confidently focus on what matters most: growing your business and achieving your goals.

My Strengths

Deep Financial Analysis – I examine your business data thoroughly to uncover valuable insights that might otherwise remain hidden
Clear Communication – I translate complex financial concepts into straightforward, actionable information you can use immediately
Approachable Expertise – I help you understand your business financials with confidence, even if numbers have never been your comfort zone

Hobbies & Personal Life

Outside of work, you’ll find me hiking, climbing, ice bathing, teaching yoga, or playing classical piano. I love spending time with my three boys and our dog, enjoying life’s simple moments.

Education

MBA in Finance - Kellogg School of Management, 1998
BBA in Finance - University of Texas at Austin, summa cum laude, 1993
Japanese Studies - Keio University, Tokyo, 1990
Executive Education
- Circular Economy and Sustainability Strategies, University of Cambridge Judge Business School, 2022
- Leading Sustainable Corporations, Oxford Saïd Business School, 2022

Non-Profit and Real Estate

When I started my family in Miami, my professional journey took a personal turn when my premature twins spent months in the hospital. I stepped back from my corporate career to focus on my family and, during that time, I channeled my financial expertise into fundraising, successfully raising over $350,000 for the intensive care unit that cared for my children.

During my time in Brazil, I deepened my involvement in the non-profit sector—organizing fundraising campaigns, coordinating events, teaching English, and mentoring underprivileged children. These experiences deepened my passion for helping others and gave me firsthand insight into the unique financial challenges non-profit organizations face.

Parallel to my non-profit work, I've managed a successful real estate investment business for over a decade. This combination of experience allows me to offer specialized support to both non-profit organizations and real estate investors seeking financial clarity and strategic guidance.

How I Help Small Businesses Succeed

Running a small business often means wearing multiple hats, with little time left for financial analysis and planning. I understand this challenge—I've worked with countless business owners who struggle to find time for their numbers while managing everything else.

My role is to lift this burden from your shoulders. I help you make sense of your financials and provide the clarity you need to move forward with confidence. Whether you're launching a new venture, seeking to optimize an established business, or navigating a turnaround, my expertise is focused on helping you achieve sustainable success and growth.

Professional Experience

My career began in investment banking in New York and London, where I worked on transactions totaling $9.5 billion. This foundation led to roles in private equity and international mergers & acquisitions for a multinational corporation, followed by developing business analytics and financial planning functions for a growth-stage company. This diverse background across industries, spanning both investor and corporate perspectives, gives me a unique ability to understand and address the specific needs of each client I serve.

Key areas of expertise

Corporate Financial Planning: Developing comprehensive budgets and multi-year projections based on historical performance, market trends, and your specific business goals.
Financial Analysis & Business Analytics: Reviewing historical financials, establishing meaningful key performance indicators (KPIs), and identifying actionable trends to enhance profitability.
Investment Evaluation: Analyzing potential investment opportunities and financing options to determine optimal strategies for your business growth.
Investor Relations: Creating clear, compelling materials that effectively communicate your company's value proposition to current and potential investors.