Chad D. Cummings“There is always a better way.”

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“Be a yardstick of quality. Some people aren’t used to an environment where excellence is expected.“

Steve Jobs

“Let us perceive clearly our shortcomings.“

Gautama Buddha

“I was taught that the way of progress was neither swift nor easy.“

Marie Curie

“Tough times don’t last, but tough people do!“


An Introduction

I am an accountant and advisor living and working in South Florida.

Previously, I served in a variety of operations and finance positions at the world’s largest accounting firm, airline, and bank. Most of my earlier professional experience is in commercial real estate capital project financing and construction management (especially, though not exclusively, in the aviation and hospitality industry verticals) and financial services (VC/PE fund taxation and cash/treasury management).

Occasionally, I publish articles covering the taxation of startups. I also address politics, economics, and world affairs as they relate to my interests in airlines, technology, and commercial real estate. My works are featured on Amazon, Entrepreneur Magazine, Virgin‘s blog, Daily Mail (UK), as well as on my personal LinkedIn blog.

Please review the important notices and disclaimers at the bottom of this page, especially prior to contacting me.

Getting in Touch

/Contacting Chad

You are welcome to contact me via LinkedIn, even if we have not previously met.

I am most interested in mentoring exceptionally talented, freethinking university-age small business creators. When appropriate, I am very happy to facilitate introductions to other founders, investors, accountants, attorneys, and industry leaders who I know and trust. I am also available for speaking engagements and interview requests pertaining to transhumanism (i.e., the intersection of biology and technology), the broader startup ecosystem, and intelligent tax planning for entrepreneurs.

Pitch decks may be submitted directly to me by email, although I am most receptive to prior introductions and am regrettably unable to offer detailed feedback on unsolicited materials.

Prior Experience

/Recent Projects

J.P. Morgan Chase & Co
Senior Associate

Data scientist supporting the commercial division of the largest US bank by leveraging sophisticated multivariate forecast modeling

American Airlines
Accounting and Finance
Sr. Financial Analyst

Lead FP&A analyst for real estate division’s capital and operating budget for the world’s largest airline managing long-term facilities planning across ten hubs and over two hundred spokes

Accounting and Finance

Phlexable connects business owners with top-tier CPAs, bookkeepers, and financial analysts to deliver engagements that are collaborative and cost-effective

Flight Attest
Data Mining
Senior Advisor

Consulting for a stealth mode aviation industry startup

Bonhomme Labs
Startup Consulting

Ad hoc consulting for small business startups, including business plan refinement, marketing strategy, financial modeling, capital considerations, and project management

Food on the Fly
Data Science

Conceived, built, and marketed the first-to-market mobile food delivery and transactional analytics platform behind airport security

Private Equity/Venture Capital Tax
Associate, SALT-FS

Engineered technical solutions to more effectively serve clients including Texas Pacific Group, Goldman Sachs, First Reserve, HGGC, and several other boutique investment firms


/Licensure & Education

Certified Public Accountant – September 2015 to Present
Texas State Board of Public Accountancy
Florida Division of Certified Public Accounting

Certified Management Accountant – July 2018 to Present
Institute of Management Accountants

M.S. Accounting – Graduated May 2014
Southern Methodist University
Dallas, TX

B.B.A. Accounting, with departmental honors – Graduated May 2013
Southern Methodist University
Dallas, TX

Reading List

/Recommended Texts

Periodically, I am asked to suggest books which might be of interest to budding entrepreneurs. Below I have included a small selection of literature which I have found to be thought provoking, inspirational, and in some cases, controversial. These recommendations should not be construed as plain endorsements but rather as a starting point for the intellectually curious. As Aristotle would remind us, “It is the mark of an educated mind to be able to entertain a thought without accepting it.”

How to Win Friends and Influence People

by Dale Carnegie

Fear and Loathing in Las Vegas

by Hunter S. Thompson

Foundations of Interior Design

by Susan J. Slotkis

Anatomy of the State

by Muarry Rothbard

Ready Player One

by Ernest Cline


by Yevgeny Zamyatin

Zero to One

by Peter Thiel

The Informers

by Bret Easton Ellis

The Bell Curve

by Richard J. Herrnstein, Charles Murray

This Perfect Day

by Ira Levin

The Logic of Subchapter K

by Laura Cunningham, Noël B. Cunningham

Game Theory for Applied Economists

by Robert Gibbons

Important Notices and Disclaimers:

This website and the material provided here is for informational purposes only, and does not constitute tax, accounting, or legal advice. No person should rely on, or act, or refrain from acting on the basis of any matter or information contained in this website without seeking appropriate legal or other professional advice.

The transmission of information from this website is not intended to create, and its receipt does not establish, an accountant-client, attorney-client, or any other fiduciary relationship. Nor do any interactions or communications we may share via social media, email, or other media create such a relationship. Any materials transmitted to me using the contact information above should not be considered privileged or confidential, and I accept no responsibility for the security or privacy of information you transmit to me via social media, email, or some other mechanism.

This website does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security. You are solely responsible for determining whether any investment, investment strategy, security, or related transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance. All investments involve risk, including the risk of loss of principal.

Reproduction, distribution, republication, and retransmission of material contained within this website or in any of my articles or publications hosted on other websites or fora is prohibited without my prior permission.