Javier Ramirez

Hi, I’m Phillip Crawford—Houston native, New York–raised, and a lifelong student of all things money and entrepreneurship. I hold a B.S. in Accounting from SUNY Old Westbury, but my real education began after a near-fatal bout with COVID-19 in 2020. That wake-up call pushed me to rebuild from the ground up, devouring every book, course, and mentor session I could find on credit, investing, and wealth creation. The result: PAC Consulting An ecosystem hub that helps 9-to-5 professionals and business owners master credit, secure growth capital, and turn financial know-how into real-world results. Hedgestone Advisors As a licensed business broker, I match motivated sellers with qualified buyers, structure win-win deals, and keep the process transparent from valuation to close. My mission is to open doors—whether that’s guiding someone to their first $50 K in funding or shepherding an owner through a seven-figure exit. If you’re ready to learn, grow, and think bigger, hit the “Schedule a Call” button and let’s get to work. Dream big, execute smart, and let’s build something that lasts. Principal, PAC Consulting | Business Broker, Hedgestone Advisors I’m a Houston native who grew up in New York and earned a B.S. in Accounting from SUNY Old Westbury. After four years in public and private finance—and a prior career as an entrepreneur in the health-and-wellness space—I shifted my full attention to capital advisory and business brokerage. Professional Focus Discipline What I Deliver Business Brokerage Valuations, confidential marketing, buyer screening, and deal structuring for main-street and lower-middle-market transactions (typically $500 K – $10 M). Capital Advisory Credit optimization, SBA and conventional financing, revenue-based lines, equipment loans, and investor matchmaking for growth-stage companies. Credentials & Memberships Series 7 & Series 66 FINRA licenses Licensed Business Broker – Hedgestone Advisors Founder & Principal – PAC Consulting Differentiators Data-Driven Valuations – Accounting background ensures every deal is anchored in accurate, GAAP-aligned financials. Capital-First Mindset – Ability to secure buyer and seller financing often accelerates closings and boosts transaction value. End-to-End Guidance – From confidential listing to post-close transition plans, I remain the single point of contact. Personal Mission A life-changing battle with COVID-19 in 2020 reinforced my commitment to help owners and investors build lasting wealth through informed decisions. Whether you’re preparing an exit, scouting an acquisition, or raising capital, my goal is to provide clear, actionable advice that saves time and maximizes returns. Ready to explore your options? Click “Schedule a Call” to arrange a confidential consultation.

HedgeStone is a full-service business brokerage and advisory firm serving business owners across a wide range of industries and deal sizes. As an advisor with HedgeStone, my personal focus is on businesses valued between $500K and $10M — the segment where owners often need the most guidance and have the most at stake personally. I bring a rare combination of credentials to every engagement — including business consulting experience at Ernst & Young and a seasoned background in real estate advisory. That means you get institutional-grade deal discipline with the personal attention of a dedicated advocate. I specialize in working with owners navigating life transitions — retirement, career pivots, health changes, or simply the right moment to move on. Whatever your reason for selling, I'll help you exit on your terms, at the right price, with confidence.

Matthew Mazas began his career as a behavioral therapist, where he developed a deep understanding of human behavior, communication, and empathy. These foundational skills naturally translated into his next chapter in commercial real estate consulting, where he built a reputation for strategic thinking and client-centered solutions. Today, as a business broker, Matthew combines his people-first approach with market expertise to guide entrepreneurs through complex transitions with confidence and care. A true people person, he’s passionate about helping others succeed—no matter the challenge.