About Aperio Advisory

Built by someone who has sat on both sides of the table.

Craig Rowan spent 20 years managing the finances of large Canadian companies — then advising corporate clients from inside a major Canadian bank. Aperio exists to bring that depth to businesses that have never had access to it.

The Story

Built for the business owner who deserves better than once-a-year advice.

For most of my career I worked inside the finance departments of large Canadian companies — the kind of businesses with full CFO teams, dedicated treasury staff, and systems built specifically to help leaders make better decisions.

And I kept noticing the same thing: business owners running $1M–$4M operations were making major decisions with almost none of that support. A bookkeeper recording last month. An accountant showing up in March. Nobody helping them plan, nobody watching for problems before they hit, nobody translating the numbers into something they could actually use.

"The advice that makes a real difference isn't complicated. It's consistent, clear, and connected to how your business actually works. Most small businesses have never had that."

I also spent time advising corporate clients at a major Canadian bank — working with them on cash management and financing. That showed me exactly what banks think when they look at a small business, what makes them say yes, and what makes them nervous. Most small business owners never get that perspective from someone genuinely on their side.

Aperio was built to change that. We work primarily with Calgary businesses under $5M — where the gap between what big companies take for granted and what growing businesses actually have is biggest.

Craig Rowan
Founder & Managing Director, Aperio Advisory
CPA, CMAFMVAFPAP
Experience
Aperio AdvisoryFounder · 2025–Present
Major Canadian BankCorporate Finance Advisor · 2025
AltaGas Ltd.Director, Treasury · 2019–2024
Dominion Diamond MinesAsst. Treasurer · 2016–2019
Viterra Inc.Senior Treasury Analyst · 2008–2013
Education & Designations
CPA, CMAChartered Professional Accountant
BComm (Finance)University of Lethbridge
FMVA · FPAPFinancial modelling & FP&A certifications
Based In
Calgary, AlbertaServing Alberta businesses
What This Means For You

Big company financial thinking — applied to your business.

The tools large companies use aren't complicated. They're just not usually available to smaller businesses. Here's what working with Craig actually looks like.

📋

Your numbers explained every month

Not a report in your inbox. A conversation about what's happening and what to do about it.

🔭

See what's coming before it arrives

A 13-week cash flow model that shows you where you'll be in three months — not three days after.

📊

A budget that actually runs the business

Built with you. Tracked monthly. So you know if you're on track — and what to adjust if you're not.

🏦

Someone who knows how your bank thinks

Craig has been on both sides. When your credit line comes up for review, you'll walk in prepared.

🔍

Bookkeeping you can trust

Most small business bookkeeping has errors nobody catches. We review it so decisions get made on clean numbers.

💬

Someone to call when it matters

Hire? Buy equipment? Take a big contract? You'll have someone to think it through with who knows your numbers.

The Background Behind The Advice

Why 20 years in corporate finance matters for your business.

Because that depth shapes how they think about every problem, including yours.

Craig spent 20 years managing the finances of billion-dollar companies. That experience doesn't make the advice complicated — it makes it more reliable. You get someone who has seen what real financial problems look like at scale.

And having advised corporate clients at a major Canadian bank, Craig knows exactly how banks evaluate a business. What they look for. What makes them nervous. How to make sure your business is seen accurately.

20+

Years in corporate finance & treasury

Managing financial operations of major Canadian energy companies across capital markets, debt, FX and cash management.

2

Sides of the banking relationship

Corporate client and bank advisor. When your credit line or loan comes up — that dual perspective matters.

4

Professional designations

CPA, CMA · FMVA · FPAP. The credentials back up the experience.

$1.3M

Recovered for real clients

$500K in working capital and $800K in interest savings — from real engagements, using the same thinking applied to every client.

How We Work

Six things that guide every engagement.

01

Listen before advising

Every business is different. We ask questions and listen before we say anything — good advice starts with understanding your actual reality.

02

Plain English, always

We explain things the way you'd explain them to a friend — clearly, directly, without making you feel like you should already know this.

03

Find what's already there first

Before suggesting you borrow or cut costs — we look inside the business. Most companies have more financial leverage available than they realize.

04

Honest even when it's uncomfortable

If we see something you need to hear, we'll say it. If we can't help, we'll say that too. You deserve honest guidance.

05

Build things that last

We don't hand you a report and disappear. We build the model, set up the budget, implement the system — and make sure it sticks.

06

You get Craig, every time

No junior analysts, no hand-offs. The person you talk to in the first call is the person doing the work.

Let's Talk

Ready to work with someone who gets it?

A 30-minute conversation is all it takes. No pitch, no pressure — just a straight talk about your business and what's on your mind.