Picture two successful business owners looking at the exact same opportunity. Same equipment, same price, same potential financial return. One of them should say yes. The other should say no. Both of them can be right, because financial return on investment alone never tells you whether a decisio...

Two business owners walk into a bank and each borrow 100,000 dollars. One plans to launch a new service that will bring in more revenue. The other admits he needs the money just to make payroll this week. On paper, both loans look identical. In reality, these two service company owners are hea...

Have you ever looked at your bank account and wondered why, after years in business and a phone that never stops ringing, it still feels like you are starting over every year? If that sounds familiar, you are not alone. After working with hundreds of home service business owners, one pattern keep...

Many financial surprises in business are not really surprises at all. If you know where to look, the warning signs are visible long before you make the decision. Having enough cash to buy something does not mean your business can actually afford it. Confusing those two ideas is how a purchase tha...

This post is part four of our nine part Business Decision Playbook series, where we break down the thinking tools that help business owners make smarter financial calls.

Have you ever bought something for your business that looked affordable at first, only to wonder six months later where all yo...

Most business owners think they know how much money they have. They open their banking app, see a number, and treat it as fact. But that number and the amount you can actually spend are two very different things, which is exactly why so many owners find themselves saying, "We had plenty of cash t...

Most cash flow surprises do not appear overnight. They build for weeks or months before an owner ever sees them, not because owners run bad businesses, but because most were never taught to think several financial moves ahead. 

A client once signed a lease for a second location. On paper, it loo...

Most business owners assume cash flow belongs to the accounting department. That assumption is quietly costing them money every day. Money does not live in one department. It lives inside every decision a team makes, from a marketing budget to a sales discount to a scheduling choice in operations...

Did you know there are different levels of tax planning? That’s why you may have experienced a tax surprise even though you paid your estimated tax payments.

Here are the main 4 levels of tax planning and how they affect cashflow.

1.  Avoid Penalties

The basic level of tax planning is to calc...

Tina was interviewed by Brian Byrom, owner of BTrained. This is the first video in their "Females in the HVAC Industry" series.

She brings a unique perspective to the subject. Tina made the switch from CPA to buying, running and selling an HVAC service company.

This video is for any HVAC busi...

Have you ever reviewed your profit report and celebrated an increase in sales and profitability? You gave everyone a high five and announced year-end bonuses.

A few days later the celebration was over after your bookkeeper asked you to transfer money for payroll.

You wonder what happened…how ar...