Stoy Hall

I’m Stoy Hall, a Certified Financial Planner® and Virtual CFO who helps business owners and modern families build wealth with clear numbers, clean systems, and better decisions. My work sits at the intersection of personal finance and business strategy. I help clients get control of cash flow, fix what’s leaking, make smart tax moves, and invest with a plan that matches real life. I’m big on money psychology too, because most financial problems aren’t math problems. They’re behavior, stress, and decision fatigue showing up in your bank account. I’m the founder and CEO of Black Mammoth, based in Iowa, serving clients nationwide. I’ve been recognized as an InvestmentNews Awards 2024 Excellence Awardee, and I write a Business/Money column for Black Iowa News focused on transparency, practical education, and building long-term stability in our community. We typically serve business owners and high-earning families who are doing “well” on paper but still feel behind, stressed, or disorganized. A lot of our clients are scaling companies, managing uneven income, carrying old debt, trying to make the right tax moves, and juggling competing priorities like kids, aging parents, and future goals. Many are also first-generation wealth builders who want structure, clarity, and a plan they can trust. My modern family approach is simple: money has to work in the middle of real life. Kids, busy careers, shifting goals, and the pressure to do everything at once. I help families prioritize stability first, then build flexibility, then create growth. That means creating a real cash system, making sure the right protection and estate basics are in place, aligning investing with your time and risk, and building rules so you don’t have to renegotiate every decision every month. The goal isn’t perfection. It’s calm, consistency, and progress you can actually maintain. A big part of my foundation comes from college football. I learned early that consistency beats intensit...