Small Business Consulting. Big Business Results.

Your Success

is Our Goal.

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Regardless of your needs, FMA's advisors provide the highest quality advice and fill the role of a full-time financial officer, enabling you to concentrate on your business.

FMA offers a variety of services to providing forward-thinking strategies that produce long-term results. We work with you directly to help you analyze the strengths and weaknesses of your business and help you create a plan to capitalize on your strengths while minimizing your weaknesses.


FMA works with your business in the following areas:


Start, Grow, Turnaround
or Exit Your Business.


Small to Midsize Business Consulting Services

  • Financial analysis
  • Interim financial support
  • Business growth & expansion
  • Cash flow management
  • Loan Funding/Equity
  • Import & export opportunities
  • Profitability
  • Acquisition
  • Sale

Business Assessments

  • Business valuations
  • Competitive & operational benchmarking
  • Organizational analysis & design
  • Overhead analysis & cost reduction
  • Bank loan negotiations

Business Planning Services

  • Exit strategy
  • Feasibility studies
  • Formal business plans
  • Operation budgeting & forecasting
  • Strategic planning
  • Succession planning

The Right Advisors
For Your Business.

Financial Management Associates Group, LLC (FMA) was formed in 1986 as a management advisory and servicing firm specializing in financial matters of commercial enterprises. Our advisors' individual expertise and years of experience, as bankers, chief financial officers and entrepreneurs, afford us the ability to provide our diverse and valued clients with the highest quality financial advice.


Whether you have a small business or a global organization, hiring a reputable, experienced consulting firm, such as FMA, offers many benefits.


Smaller businesses often believe that their company’s size does not warrant a full-time financial officer. As a consequence, the senior management of these businesses is often required to allocate valuable time toward managing the firm's financial concerns, instead of being able to concentrate on other critical areas, such as business development.


Larger businesses often have financial personnel on staff, to manage their company's general or day-to-day needs, but may require additional assistance or expertise on a project-specific basis.


In both cases, unfamiliarity with the "modus operandi" of financiers and financial institutions can cause frustration and wasted time for businesses attempting to obtain financing, resolve disputes or settle debts.


FMA provides not only financial expertise to make a positive impact for small and large businesses across a variety of industries, but also offers a network of experienced "back-office" professionals who can supply the support necessary for you to take advantage of available opportunities.


FMA’s locations in Bluffton and Savannah and experience in the Lowcountry allow it to offer specialized service to discerning clients who require financial and operational support in these regions.


The majority of FMA’s business is performed on a fee-for-service basis; however, engagements are flexible.


Nearly all of FMA’s engagements are by referral and we will review a potential client situation free-of-charge to determine the objectives, and whether they can reasonably be achieved with our assistance. In fact, many professionals and professional groups (e.g., lawyers, accountants, brokers) consider FMA a strong supplement to the network of professional services they offer their clients.


FMA provides noteworthy expertise and highly skilled consultants with decades of experience across various financial management disciplines, so clients are guaranteed professional handling of all their financial concerns.

Frank De Luca, MBA, CMC
Managing Director


Frank De Luca is the Managing Director and founder of Financial Management Associates Group, LLC (FMA), which was established in 1986.


Prior to FMA, Frank was a corporate banker for more than 20 years in New York and New Jersey, and served as the New Jersey Senior Loan Officer for Irving Bank Corporation.


Frank specializes in business financial strategic advisory services, corporate restructuring and turnarounds, and interim financial officer services, as well as loan packaging and procurement. He has drafted opinion reports regarding litigation matters, served as an expert witness in litigation cases and has been approved by bankruptcy courts to work in Chapter 11 cases and draft emergence reports.


Frank has garnered more than 40 years of experience in the financial arena and, since 1997, holds the designation of "Certified Management Consultant," which is awarded to only 20,000 professionals worldwide and only 1,100 in the United States. He was also a board member of the American Institute of Banking (AIB) and conducted classes in economics and financial analysis for nearly a decade.


In addition, Frank is a member of the Institute of Management Consultants USA, serving as past President, board member and treasurer of the Princeton, New Jersey, chapter. He is also a graduate of Rutgers Business School, with a Bachelor of Science degree in Management, and Fairleigh Dickinson University, with an MBA, cum laude, in Economics.

Contact us with any questions.

All inquiries are responded to without charge.

Financial Management Associates Group, LLC

10 Pinckney Colony Road

Building 300

Bluffton, SC 29909

p (843) 422-6546

7 East Congress Street

Suite 1001

Savannah, GA 31401

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