REF Solutions: Our story

Our careers started as professional auditor and consultant in Big 4 firms, turning full-time CFO for largest global MNCs in multiple industries, and now becoming fractional CFO for fast-scaling startups, we fully understand the 'pain points' of the SMBs and startup community, and the values we can add with the fractional cost you can afford. By blending strategic financial expertise with pragmatic execution, we guide you through complex financial landscapes. Our approach unlocks your business's full potential, ensuring long-term success and measurable results

What we believe in
Each step offers stand-alone value based on your needs. Whether through financial assessment, strategic execution, or ongoing optimization, our flexible approach supports your business at any stage.

Result-oriented

Practical advices that empower business owners to drive meaningful outcomes

Unrivaled industry experience

Across multiple business models in both US and Vietnam (Healthcare, FMCG, E-commerce, Hospitality, Professional services, Technology & Logistics)

Business-fit

Cost effective financial solutions aligned with your unique business goals

MEET OUR FOUNDERS

Minh Tran

Minh Tran - ACCA, MBA

Professional Experience

20 years of experience across multiple industries, including over 10 years as a CFO, with a track record in financial strategy, cash flow optimization, fundraising, M&A and restructuring.

AB InBev: set up accounting and finance function from scratch to a team of 20+ members to support strategic expansion in 8 countries and implemented world-class expense management practices at AB InBev South East Asia with revenue size of US$150Mile.

Startups and Dynamic Environments (Diag Laboratories, Yes4All, and other e-commerce
businesses): Cleaned up legacy tax and accounting issues and revamped legal structure to prepare for fundraise. Hands-on approach involved budgeting, resource allocation, and financial planning tailored to the businesses.

Pre and post M&A: Minh's background includes strong due diligence and deal structuring pre M&A Minh has led the integration of financial systems and cost structures post-acquisitions

Areas of Expertise

Tax planning and tax/custom audit
Legal restructuring
Accounting set up, automation and
transformation
Transfer pricing
M&A deal structuring
Post-acquisition financial and
operations integration
Financial planning and risk
management

 

Hai Pham

Hai Pham - Tax & Finance Expert

Professional Experience

Strong background with 25+ years of experience in audit & accounting, tax & legal, corporate treasury, insurance and internal audit. Rich experience across industries, from professional services to hospitality, FMCG to e-commerce, combined with a deep understanding of business models in both MNCs and local corporations.

Multinational corporations (Unilever, Philip Morris, and AB InBev): Led tax/ customs and treasury/ cash management agenda, and legal restructuring to ensure compliance and optimization. Set up transfer pricing guidelines and documentation for groups of related companies, as well as internal audit practices.

Local corporations and Startups (Masan, VNG, Yes4All): Cleaned up tax legacy, performed comprehensive tax risk
assessment, set up a tax management framework for the group of companies and founders, and advised cross-border investment projects in terms of tax and treasury.

M&A: Advised legal and tax structure pre-M&A. Performed tax due diligence for both sell-side and buy-side.

Areas of Expertise

Wealth management
Cash management
Tax planning & optimization
Legal restructuring
M&A deal structuring
Onshore and offshore investment
Tax dispute and tax/ customs audit
Transfer pricing

 

REF Solutions


1. Houston, Texas, USA

2. Ho Chi Minh City, Vietnam

Hotline +84 912291129

Email: hamipartners@gmail.com 

 

Let us know how we can help you grow your business