The fastest way to kill a profitable business is to expand it. I have watched this happen so many times. A founder builds something that works. Customers are happy. Cash flow is positive. Then they get overly-ambitious. They launch a new product line that requires different salespeople. They enter an adjacent market where nobody knows their name. They add a service that needs an entirely new team. Revenue goes up. Profits disappear. Cash runs out! The problem is not ambition.

I spent yesterday morning on a call with a banker who probably should have been with family. He walked my client through covenant calculations that could have waited until Monday. He did it because we have worked together for years and he trusted the situation needed attention. That single conversation will help my client have a smooth Thanksgiving. This is what sets fractional CFO work apart. I bring structure and process to every client: weekly cash reviews, rolling forecas

I recently served as a panelist discussing the new 2025 tax law, formally known as the One Big Beautiful Bill Act (OBBBA), and its sweeping changes for small and mid-sized businesses. The room was filled with sharp business owners and seasoned advisors: manufacturers, contractors, healthcare operators, and professional service leaders. Everyone wanted to understand how the new rules might affect their next move. Here is the truth I shared: new deductions are not strategy; the

Growth rarely fails because of bad strategy. It fails because of weak financial execution. This blog shows how disciplined financial...

Let me start with a fact in case my Rabbi happens to read this: I did not come up with this idea for a blog during his meaningful and...

How many times have you stared at a spreadsheet where half the numbers scream “Expand now!” and the other half whisper “Hide under your...

When an entrepreneur launches a new business, s/he imagines growth to be natural and logical—almost inevitable. The orders come in, the...

When facing cash flow challenges, it's critical to understand which strategies can provide immediate relief versus those that require...

For business owners running companies with $5 million to $40 million in annual revenue, few things are more frustrating than watching the...

Imagine driving a car with a perfectly clean rearview mirror but a dirty windshield. You can see every turn you had made, every pothole...

I was recently brought into a business that found itself in deep water. A major product launch, full of promise and potential, had...

If you already own a successful service business—whether it’s in HVAC, IT, legal, medical, healthcare, landscaping, or consulting—you’ve...

Small Donations + Collective Giving = Massive Impact. That’s the formula behind DailyGiving.org , and it's nothing short of inspiring....

Recently, I watched a thought-provoking YouTube video by Mark Firth, where he described an intriguing scene in a restaurant. Picture...

I once advised a capable controller who struggled—not because he lacked skill, but because he was constantly derailed by last-minute...

For many business owners, seeking a loan seems like the natural next step when cash runs tight. Whether it’s to fund growth, cover...

Last week, I was sitting with a friend—a highly experienced consultant who has helped countless businesses succeed. He’s built an...

If you’ve ever looked at your company’s profit and loss statement and thought, “Well, we’re making money—so why is the bank account...

Many years ago, my friend Rich in Dallas confidently told me that Starbucks would never make it in Texas. His rationale? He believed...

There’s a story about Pablo Picasso that I love because its lesson is timeless. As the tale goes, Picasso was sitting in a café when a...