In this episode of One Sharp Sword, Dr. Wayne Pernell sits down with Tariq Malik, the “Reluctant CPA” whose career path spans engineering, chartered accountancy, international finance, and now fractional CFO leadership. Tariq shares his journey from Pakistan to England, Canada, the Middle East, and the U.S.—and the lessons learned while helping organizations navigate financial strategy, succession planning, and sustainable growth.

Tariq reveals why most business owners underestimate what they don’t know, the dangers of being too owner-dependent, and why bringing in outside expertise (from CFO services to leadership coaching) is essential for scaling. This conversation offers a blend of global perspective, business acumen, and meaningful leadership insight.

🔍 Key Topics & Highlights
• Becoming the “Reluctant CPA” Tariq’s early journey from engineering in Pakistan to studying chartered accountancy in England—mostly because it paid during training—and why he avoided the stereotypical CPA path.

• A Global Career of Service How his CPA credential became a “passport,” taking him to Canada, the UAE, the Middle East, South America, and beyond. He shares the unique cultural dynamic of training successors who later became his bosses—and why it worked.

• Fractional CFO Services Explained Why small and mid-size businesses don’t need a full-time CFO, but do need strategic financial guidance, future forecasting, and infrastructure planning.

• Owner Dependency: The Silent Business Killer Tariq discusses turning around a struggling restaurant chain—from long hours, poor operations, and inefficiencies to a 30-location success story.

• Succession & Multi-Generational Planning Why over 90% of children decline taking over their parents’ businesses — and how families can avoid regret through early, honest conversation.

• Leadership Lessons & Letting Go From operational delegation to brand consistency, Wayne and Tariq highlight the core mindset shift leaders must make:

“Experiment. Stay curious. Assume you’re missing something.” 🧭

Connect with Tariq Malik
• LinkedIn: linkedin.com/in/tariq-s-malik-cfo
• Company: FocusCFO.com
Free consultation available; fractional services typically best suited for businesses at $2M+ in revenue.

📺 Watch the full episode now on my YouTube channel: https://youtu.be/jlWiSUdf_MU