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Sharp ideas on profit & cash.

Practical thinking on margins, cash flow, tax, and growth — written for owner-operators and franchisors.

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Why your income statement doesn’t match your bank account

Your P&L shows profit but the bank account is near empty. Here's what's actually happening, and what it means about your financial oversight. (143 chars)

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why your income statement doesn't match your bank account
Comparison of W-2 salary and S corp distribution as owner compensation methods for a consulting firm

How to Pay Yourself as a S-Corp Owner

How to Pay Yourself as a Consulting Firm Owner A client came to me generating $2.2 million in annual revenue. She was paying herself an $85,000…

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Future of the Accounting Department and Accounting AI

The Future Accounting Department

I have a client with $25 million in sales and $5 million in EBITDA. For a manufacturer, those numbers tend to attract attention from potential buyers.…

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Why Most Small Business Owners Still Don’t Have a Succession Plan

Why Most Small Business Owners Still Don’t Have a Succession Plan — and What That Means for the Future

Most small business owners spend years obsessing over growth, margins, hiring, and customer retention. Very few spend the same amount of time thinking about how —…

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Outsourced CFO for Consulting Firms

Outsourced CFO for Consulting Firms: Why Financial Strategy Is the Missing Growth Lever

Consulting firms rarely struggle because they lack expertise. More often, they struggle because the business beneath that expertise never fully matures. Client demand exists. Teams stay…

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CFO analyzing time tracking data with charts, clock, and business analytics icons representing profitability and utilization for agencies and consulting firms

Why Time Tracking Is the Secret Weapon of Profitable Agencies and Consulting Firms

No one wakes up excited to track their time. It’s tedious, often imperfect, and feels like an administrative burden. When I left public accounting, I remember…

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How to buy or sell a business

How to Buy or Sell a Business

In December 2015, I sat in my car in silence—equal parts shocked, scared, and excited. I had just bought a business. For a $900,000 purchase price,…

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Two paper cut-out figures separated by a jagged tear with the text “What Happens When a Partnership Ends?” on a dark blue and brown background.

What Happens When a Partnership Ends?

Most business partnerships start with optimism and big dreams. I can’t count how many times I’ve heard two partners insist they don’t need a formal agreement—after…

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Outsource cfo tips to boost small business productivity.

Unlocking Workforce Productivity: An Outsourced CFO’s Playbook for Small Businesses

Introduction: A Productivity Wake-Up Call The latest Gallup State of the Global Workplace 2025 report shows the share of engaged employees worldwide slipped from 23 %…

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Why Is My Business Always Low on Cash? The Real Story Behind Profit vs. Cash Flow

You’re showing a profit—but your bank account tells a different story. In this article, an outsourced CFO breaks down the disconnect between profit and cash flow using real-life case studies. Learn why timing, inventory, and owner draws could be silently draining your cash—and get 5 quick strategies you can implement in just 10–15 minutes a week to stay ahead.

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Tax Planning for Small Businesses

How the “One Big Beautiful Bill” Could Impact Small Business

Introduction: A Tidal Wave of Changes—Are You Ready? If you’re a small business owner who relies on outsourced CFO services or handles your own tax strategy,…

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Access to Capital for Small Business Growth

Scaling to One Million: What Small Business Owners Need to Know About Capital, Credit, and Growth

The dream of entrepreneurship is alive and well in the U.S., but the journey from a great idea to a thriving business remains steep. According to…

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The Clarity Brief

One sharp idea on profit & cash, twice a month.