We think fixed costs are overrated
Most businesses carry more fixed overhead than they need. We help you see it clearly and
do something about it.
We are a team of financial planning specialists focused on one specific problem: cost structures that weigh businesses down. Too much overhead, not enough flexibility. We have spent years working with Canadian businesses to map their fixed cost exposure and build practical paths toward more variable, responsive models. No jargon. No theatrics. Just honest analysis and a clear plan.
Cost structure clarity
Our founding story
We started because we kept watching good businesses struggle under cost structures that no longer matched how they actually operated, and nobody was fixing it.
3-step
Structured analysis process we use
Canadian businesses assessed to date
The founders of Zomuatnouluuv had both worked inside finance teams at mid-sized Canadian companies. They saw the same pattern repeatedly: fixed costs locked in during growth phases became serious liabilities when conditions changed. There was no shortage of general financial advice, but very little focused help on the specific challenge of converting fixed obligations into variable ones. That gap is why Zomuatnouluuv exists. We work with operations leaders and finance teams who need more than a spreadsheet — they need a structured process and a clear-eyed partner.
What we stand for
Honesty before comfort, always
We will tell you when your cost structure is a problem, even if that is uncomfortable to hear. Blunt, clear, and direct — that is how we work. You deserve an accurate picture, not a polished one that leaves you where you started.
Your outcomes, not our hours
We are not here to run up billable time. We are here to help you reach a more flexible, resilient cost model. That means we move efficiently, communicate plainly, and measure success by what actually changes in your business.
The principles we work by
We never oversell what financial restructuring can do — results depend on your specific context.
We communicate in plain language, not financial terminology designed to impress.
We treat your data with strict confidentiality throughout every stage of our process.
We push back when we think a proposed direction is wrong for your business.
We stay engaged until the plan is implemented, not just delivered.
The people who will actually work on your cost structure
Dr. Sandra Okafor, Lead Financial Strategist
Lead Financial Strategist, Fixed Cost Restructuring and Business Planning
Sandra has spent her career inside finance departments and advisory roles at Canadian mid-market companies. She leads our cost structure analysis process and is the first person to sit down with a new client. Her approach is methodical and honest — she will identify where fixed costs are creating unnecessary exposure before suggesting any path forward.
Marcus Belliveau, Operations and Implementation Director
Operations Director, Variable Cost Transition and Implementation Planning
Marcus focuses on the operational side of cost conversion — the part where plans meet reality. With a background in operations management across manufacturing and services sectors, he translates financial restructuring goals into practical steps that teams can actually execute. He is the person who makes sure the plan does not sit in a drawer.
Priya Nambiar, Financial Data and Modelling Analyst
Financial Analyst, Cost Modelling and Scenario Planning for Business Clients
Priya builds the models that underpin our recommendations. She takes client financial data and runs it through our internal scenario framework to surface the real cost flexibility opportunities. She is precise, thorough, and unusually good at explaining what the numbers actually mean without drowning you in detail.
Recognised work
2023
CFO Alliance
Financial Advisory Excellence
Recognised for outstanding contribution to business financial planning practices among Canadian advisory firms serving mid-market clients.
2024
Business Finance Canada
Best Cost Strategy Practice
Awarded for demonstrated impact in helping businesses restructure cost models toward greater operational flexibility and financial resilience.
2022
Finance Monthly
Top Emerging Advisory Firm
Identified as one of the standout newer firms reshaping how Canadian businesses approach structural financial planning challenges.
2025
Advisory Board Centre
Client Impact Recognition
Honoured for measurable improvements in client cost flexibility outcomes across diverse industries including professional services and manufacturing.
Say hello already
You have read enough about us. The honest next step is a conversation — no sales pitch, no deck, just a direct discussion about your current cost structure and whether we can help. We work with Canadian businesses of varying sizes, and we are straightforward about when we are the right fit and when we are not. Come find out which one applies to you.
Get in touch