About Fusion 4 Business

An Introduction

Joyce is the owner and Executive Officer of Fusion 4 Business, LLC Offering –External CFO, Finance, Business, and Accounting Services and specializing in Profit Maximization.

Fusion 4 Business (F4B) is both a Bermuda corporation and a US Corporation servicing small- and medium-sized business owners, entrepreneurs, solopreneurs as well as non-profits. F4B assists businesses, organizations and their owners or managers in maximizing their financial potential. Providing external CFO services, and programs we focus on directing and guiding you where you want to go so your business is the best it can be.

Here 4 U Business and accounting services is our accounting arm of F4B. We have a team that can assist with accounting and recordkeeping so that we can help you track your performance for optimum financial analysis.


If you cannot fly then run if you cannot run then walk, if you cannot walk then crawl, but whatever you do, you have to keep moving forward.

Dr. Martin Luther King, Jr.

We ‘bring together – ‘fuse’ – people, places, and things for business solutions that achieve financial health and wealth.

Wherever you are in the world, “Here 4 You” – the accounting arm of F4B – and/or F4B can be available to assist with business, finance, and accounting services. We specialize in business planning, training, profit maximization, risk assessment, and services to assist a business’s move to the next level. We can also assist the owners and families with their business and financial needs. As your GPS, we can guide you in the right direction to lead you toward financial independence and financial freedom.

As a business consultant and profitability coach, we differentiate ourselves from other accountants, as we look at your business holistically to ensure you maximize your business potential.

We are your financial GPS – Making Growth & Profits Simple… Guiding You In The Right Direction – To Maximize Profitability

We help business owners who struggle with profitability to maximize their financial health and wealth. In working with us, our clients will be aware of their financial concerns (issues/matters). We are different than other accountants and financial professionals because we use a comprehensive approach yet make the numbers simple …. If you are a business owner or entrepreneur who wants to be more profitable, understand their finances, and move toward financial health and wealth .. contact us today!

We answer the questions to solve the problems you may not even know you had! We provide External CFO services to you/your company. If you would like us to be “Here 4 You”, we provide monthly accounting and financial outsourcing onsite or virtually to assist you/your management team, for a monthly subscription.

We work along with you, your CEO, and the management team to assist your company move forward with its financial and strategic direction. For those companies without a CFO on staff, we can help you navigate to reach your goals and attain your vision. We can help you move toward financial health and wealth, plugging the holes where profits are falling through while saving you time and money.

We’re here for you! To utilize any of our services, please contact us at info@fusion4business.com

We welcome you to take a look at our programs and services to see how we can help you and your business achieve your financial goals.


We understand that as a business owner, or entrepreneur, you started your business to:

  • Be your own boss

  • Make your own decisions

  • Do what you like and choose to do

  • Have Financial Freedom

Many in business achieve #1 and probably #2 and #3, but often they don’t lead to #4. We understand, and can help!


We offer programs that will assist you in your business. Joyce can assist you to achieve your objectives, and move to that next level.

  • Mind 2 market

  • GPS – Growth and Profits Simplified

  • Ascension


We can provide and partner with professionals to ensure you have what you need to be successful for example:

  • Assistance with Taxes and tax preparation

  • Assistance with FATCA and Filings

  • Accounting and bookkeeping

  • Preparation of Financials and Financial statements

We give you an uplifting weekly message. We also have webinars, interviews and other materials available to assist and support YOU!

Make the headaches go away

We can help you with various resources to assist you in your business as we understand what small and medium sized businesses need.

  • Project Management

  • Team building

  • Negotiations

  • Human Resources Assistance (hiring, firing etc.)

  • Customer Service

We Are Your Financial GPS – We Help Guide You In The Right Direction

We can answer the questions you have to solve the problems you may not know you had!

We can provide External CFO services to you/your company. If you would like us to be “Here 4 You” we can also arrange monthly outsourcing where we provide several hours per month on site to assist you/your management team for a monthly subscription.

We work along with you, your CEO and the management team to assist the company to move forward with its direction for the company. For those companies without a CFO on staff, we can help you to navigate your company to reach your goals and attain your vision. We can help you move toward financial health and wealth, plugging the holes where profits are falling through while saving you time and money so you don’t have to make and learn from your mistakes.

Financial Analysis

  • Tax analysis and advisory services (US and Bermuda)

  • Profit maximization

  • Financial Dashboards/Scorecards

  • Accounts Receivable Review and Analysis

  • Accounts Payable turnover and review

  • Analysis of Inventory controls

Risk Assessment

  • Preparation of risk ranking and reporting tools

  • Review enterprise risk management

  • Assist with alignment of risks to overall goals and objectives

  • Review of controls

  • Development of risk management plans

  • Preparation of business impact analysis

  • Preparation of risk management frameworks

Cash Management

  • Implementation of Profit First system

  • Review of cash flows and assessment

  • Review and analysis of budgets/budgeting

  • Review and monitoring of spending patterns

  • Goal setting

  • Problem solving

Steer Clear Of Pitfalls

  • Filling the “holes:” might (money going out that shouldn’t be)

  • Ensuring profit is not “slipping through the cracks”

  • Determining if there are there “hands” in your pocket?

Maximize Your Potential

We are your financial GPS – we help guide you in the right direction! Take a moment to VIEW OUR SERVICES to see how we can help you today!


  • Properly handling church finances

  • Provide financial training to business owners

  • Provide training to accounting and/or finance staff

  • Finances for non-financial managers

Business Planning

  • Readiness for investors/banks/bank loans

  • Assistance with business plans

  • Assistance with preparation of bank packages

  • Liaising with banks

Financial Freedom

  • With our programs and services, you can reach your financial goals, and dreams

    • Objectives of financial management
      • Profit & wealth maximization
      • Going-concern
      • Optimizing cash flow
    • Stages of financial freedom and information to help you and your business more from:
      • Living wage to
      • Financial security to
      • Financial independence to
      • Financial wealth!

Our Team

Meet the Business and Financial Professionals who may be involved in your engagement.

Joyce Chesley Hayward

Owner and CEO

Mrs. Hayward is an accomplished international business and finance expert, who is certified in public accounting, internal auditing, and bank auditing. Joyce has in-depth experience as a financial manager in government, private industry, banking, and working with entrepreneurs.

Joyce has launched Fusion4Business (F4B) in both the US and a Bermuda Corporation.  F4B helps businesses optimize their financial health and wealth and experience “Profit Freedom”. After owning a CPA firm in Maryland, and holding senior positions in Government and international business in Bermuda Joyce has resumed helping entrepreneurs and assists with financial management information systems to ensure profitability.  She reviews and analyzes financial performance and works as an external CFO to help companies and their owners move to the Next Level. Joyce’s financial oversight responsibilities include accounting, systems development, implementation of internal control procedures, and management of projects. As a financial GPS, Joyce helps to make Growth and Profits Simple.

Joyce is a member of CPA Bermuda and the Maryland Board of Accountancy.  She is also a certified Quickbooks pro advisor.  She is a graduate of Georgetown University (with a BSBA in Accounting) as well as American University  (with a Master of Fine Arts or “MFA” ) and Wesley Theological Seminary (with both a Master of Divinity and a Doctorate in Divinity). Joyce is currently a member of the Black Chamber of Commerce in the US and in PG county, as well as a member of the Bermuda Chamber of Commerce and the Charles County Chamber of commerce. She and Fusion 4 Business are also registered with the Bermuda Economic Development Corporation. Joyce is an active member of Alpha Kappa Alpha Sorority Incorporated and is an active member. Joyce is a speaker, coach, consultant, trainer, and Amazon best-selling author. In addition,  Joyce is an ordained minister in the AME church,  and Rev. Dr. Joyce loves to dance for the Lord.  She is also blessed to have two bonus sons.

Donald Moragne

Management Accountant and Tax Manager – Handling US Taxes for Fusion4Business (F4B) clients

Mr. Moragne is a respected business leader, with expertise in financial management, operations, accounting, and taxation for business entities and tax-exempt organizations. Don specializes in working with corporate management to enhance cash flow, profitability, and improve operational performance.

Don’s responsibilities include all aspects of US taxes and Taxation, tax planning and strategies for both businesses and their principals. Don also assists in developing financial management information systems to predict and monitor cash flow and financial performance, to bring the Company to The Next Level. Financial oversight responsibilities include accounting systems development, implementation of internal control procedures, and management of the entire accounting function. When it comes to US Taxes, tax planning and the like… Don is “the Man”!

Don is a member of the Maryland Society of Accounting & Tax Professionals. The Institute of Management Accountants, The Alliance for Non-Profit Management National Ethics Association, and is a Former IRS Agent and Mid-Level Manager with the IRS.

Phyllis Chesley

Accounting Manager – Handling Accounting, Bookkeeping, Oversight, and our Quickbooks Trainer  and Super Guru!

Ms. Chesley is skilled in business accounting and accounting systems. As a graduate of Georgetown University in accounting and having earned her CPA designation, Phyllis’ understanding of accounting – particularly small business accounting – is top-notch. Her knowledge of automated accounting and financial systems ensures the viability and accuracy of the client’s financial data.

Phyllis is responsible for accounting systems development, implementation of accounting policies and procedures, and ensuring the accuracy of transactional data.  She oversees any needs for onsite assistance for US clients.   Phyllis has in-depth accounting software knowledge. When it comes to Quickbooks Online or Desktop… Phyllis is the MASTER! Her motto is “there’s nothing you can ‘break’ in QB that I can’t fix”

Reneka Smith

ACCOUNTANT – handling bookkeeping and accounting on our Fusion 4 Business team!

Reneka Smith is a chartered professional accountant with over 15 years of experience in audit, non-profit, and government accounting sectors. She graduated from Saint Mary’s University in 2004 with her Bachelor of Commerce degree and became certified as a CPA in 2007. She is currently obtaining her Masters of Divinity from Oral Roberts University while working as a bookkeeper for Fusion. Reneka enjoys learning new skills, helping organizations find innovative ways to solve problems, and mentoring young Bermudians in their professional and personal lives

Responsibilities include monthly bookkeeping and accounting for our clients

Shari-Lynn Pringle

BOOKKEEPING – Handling the books and keeping it all organized for Fusion4 Business

Shari Lynn is a bookkeeper with over 30 years of experience in working with small businesses.

Shari loves to take a pile of paper, receipts, invoices etc. And straighten it all out.  Whatever type of business it is, Shari enjoys working with people and helping to make businesses better.  Shari’s skills with Quickbooks to set up or continue to companies financially organized helps to make sure our clients can make informed decisions. When it comes to bookkeeping – Shari is the person!

Responsibilities include bookkeeping for clients, and can be offered both onsite (Bermuda) and offsite as needed.

I help entrepreneurs and business owners identify financial management issues so they can experience more profitability in their business