About Us
About Foundational Fee Consulting
Foundational Fee Consulting (FFC) was built on a simple idea: most organizations are overpaying for banking services—and those costs are often buried in complex, overlooked account structures.
We uncover
Cost-saving opportunities
We build
Negotiating power
We deliver
Day-to-day banking efficiencies
We specialize exclusively in commercial banking fee analysis and banking relationship optimization. Our work focuses on helping treasury teams and finance leaders uncover hidden costs, benchmark pricing across institutions, and redesign banking structures for greater efficiency and control. The result is simple: measurable savings, stronger negotiating power, and more efficient banking operations.
We go deep in one area—banking fees, account structures, and bank relationship efficiency—because that’s where immediate, tangible value is often found.
20+
Years in financial services
Growth → Enterprise
From growing businesses to large enterprises
NEED METRIC
To growth-stage clients
Leadership
Meet the Partners
Tara Shinn
Co-Founder & Managing Partner
Fee analysis · Account structure · Pricing negotiation · Multi-bank benchmarking
Tara brings more than 20 years of financial experience and over a decade of specialized work in complex banking environments. She is known for helping organizations identify overlooked inefficiencies and convert them into meaningful cost savings and operational improvements.
She advises organizations on commercial banking fee analysis, account structure optimization, pricing negotiations, and multi-bank benchmarking. Her clients range from growth-stage companies to Fortune 100 enterprises across healthcare, retail, insurance, manufacturing, and more.
Known for combining deep subject matter expertise with a practical and approachable style, Tara serves as a trusted advisor to clients navigating complex treasury challenges. She believes the best consulting delivers both measurable financial results and lasting client partnerships.
Outside of her consulting work, Tara is committed to mentorship and community leadership through her volunteer service with the International Order of the Rainbow for Girls.
Jonathan Addeo
Co-Founder & Managing Partner
Cash flow optimization · Treasury performance · Earnings enhancement
Jonathan Addeo specializes in cash flow optimization, treasury performance, and earnings enhancement through detailed banking analysis. Since entering consulting in 2017, he has helped organizations uncover opportunities to improve returns on cash balances and strengthen overall treasury efficiency.
With a background in cash operations and a highly analytical consulting approach, Jonathan brings a detail-oriented perspective to every engagement, identifying inefficiencies that often go unnoticed and helping clients stay ahead of evolving banking practices.
At FFC, Jonathan is known for his hands-on, line-by-line review of banking structures and fee arrangements—ensuring no detail is missed. He combines data-driven insight with practical execution to deliver both immediate savings and long-term value.
He works with organizations from growth-stage companies to enterprise treasury teams, advising on banking analysis, liquidity optimization, and tailored solutions that improve financial performance.
Outside of consulting, Jonathan enjoys spending time outdoors hiking and fly fishing. He is a dedicated animal advocate and active dog foster.
Ready to take control of your banking relationships?
Whether you’re reviewing fees, optimizing account structures, or evaluating banking partners, FFC delivers focused expertise with measurable results.
Just three months of bank analyses to begin — most reviews are completed within two weeks.