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

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 to entrepreneurs.

Joyce develops financial management information systems to predict and monitor cash flow and financial performance and works as an external CFO to help bring the company and its owners 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 a certified Profit First Professional and 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 registered business with the Bermuda Economic Development Corporation. Joyce is an active member of Alpha Kappa Alpha Sorority Incorporated and is an ordained minister in the AME Church.

Donald Moragne

Management Accountant and Tax Manager

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.

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

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. Phyllis has in-depth accounting software knowledge.

Gail Witcher


With over 30 years in US Government accounting and over 10 years of experience with bookkeeping for small businesses, Gail is excellent with Quickbooks and various software packages to set up or keep your company organized so you are able to make informed decisions.

Vetecia Evans


With over 15 of experience with bookkeeping for small businesses in Bermuda, Vetecia is a pro with Quickbooks and software packages to set up or keep your company organized so you are able to make informed decisions. As a Quickbooks expert Veteicia also provides Quickbooks training both one on one and for groups.

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