Fractional CTO for the era when AI writes the code — so judgement and accountability really matter.

Industry-deep across insurance, healthcare, regulatory ops, and lending — and the consultancies that serve them.

I'm Lindsay. I make the build/buy/stay call, design the migration, manage the cutover, and run the platform your numbers are tied to. No translation tax. No team to hire. CTO at Context Is Everything; creator of PlanB Backups and 60 Bubble plugins.

Lindsay Smith

The wedge

Two judgements AI can't make for you

WHAT to build — including whether to build at all

Vibe coding has become a commodity. Knowing what to type hasn't. Every translation hop — business reality, agency, spec, LLM — loses nuance. I already speak the four industries I work in, so the brief that goes to the agent is direction, not translation. Sometimes the right answer is to buy off-the-shelf instead of building. I'll tell you that on day one.

HOW to build — including how to land it

Architecture, agent direction, cutover plans, service-level commitments (SLOs), ongoing operation. Vibe coding produces working software. It doesn't land a cutover at 2am or hold a platform to the business KPIs it drives. Engineering is judgement and accountability. I sign up for both.

What I bring

A senior brain, a team behind it, and a platform when you need one

20+ years across FinTech and enterprise systems

Your industry isn't a learning project. I've been in the room since long before "Fractional CTO" was a phrase.

Backed by Context Is Everything

Robbie MacIntosh (crisis ops and transformation) and Spencer Thursfield (commercial and brand) come with me when the engagement calls for it. The Contour methodology and Ring Model are available.

SASHA platform available

A private on-premise LLM trained on your proprietary methodology — when "AI inside the product" needs to be defensible against generic competitors.

What you're actually buying

The migration is the means. The destination is a business that can stand on its own.

Stability

Predictable infrastructure. SLOs owned and reported, mapped to the business KPIs that matter in your industry. No 2am outages. No compliance time bomb sitting under the business.

Growth-ready

A platform that takes 10× customers, a new product line, a new geography, or an acquirer's due diligence — without rewriting again.

AI inside the team

Build 5× faster with directed AI agents. Lower headcount, better margin, faster cycle time. The efficiency story.

AI inside the product

New capabilities your customers will pay for. A repositioned commercial pitch — AI-native broker platform vs we have software. Higher acquisition multiple. The revenue story.

Numbers you can put on a contract

Platform SLOs mapped to the business KPIs they drive — time-to-bind, FP17 completion, AIP cycle time, audit-cycle time. If platform misses, fixing it is in scope. If business misses with platform green, that's a different conversation. Either way, you stop debating which.

What clients say

Read more testimonials