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Fail to plan, plan to fail...

Here’s why you want a plan for your business finances.

 You know the saying “If you fail to plan, you plan to fail”?

I think it's a bit harsh. None of us got into business planning to fail, right?

Yet the vast majority of business owners I talk to are so busy with the daily grind, they don’t have the time or energy to tackle financial planning on their own.

Let me backup a step and share a story that got me thinking about this.

As a CPA, I do a lot of continuing education to keep my license and stay current on what’s happening with small businesses. 

Last week I tuned in to a webinar about helping client companies with financial projections for 2025, so they can go into the new year with a solid plan.

There was a panel of CPA experts talking about what to do and how to do it.

It was as dry as you would expect – even for me, and I love numbers. 😆

At least until someone in the audience asked a great question:

“How does a person like me [a fellow CPA] explain the value of this financial planning process to a business owner who’s on the fence?”

Immediately my ears perked up and I stopped my boredom-doodling to lean in, eager for an insightful response.

Instead, I heard this: 

“Oh, you don’t have to. Usually business owners just get that they need it.”

Everyone on the panel nodded in agreement and they moved on.

Me, by my lonesome: Wha?!?

I’m pretty sure my mouth was hanging open in disbelief because this could not be farther from the truth in my experience. 

Now, it might be true for a business that’s grown to the point that it has a management team handling operations, so the founder can focus only on executive-level strategy and vision.

But, that’s not who I work with.

I focus on and specialize in serving solopreneurs and people with truly small (even micro) businesses, and I get what you deal with day to day.

So instead of saying “Make a plan or you’ll regret it”, I’d like to clearly explain the services I offer and why you (or your friend with the law practice, or your sister-in-law the Realtor) might need them.

Here goes:

  • 1-on-1 QuickBooks setup, training and ongoing support (The most bang for your buck if you want to get a handle on your money but can’t afford to hire a bookkeeper.)
  • Budgeting assistance and spending accountability check-ins (When you need your money to stop flying out the door, you’ve got to tell it where to go instead of wondering where it went.)
  • Creating custom calculators, such as sales, cash flow or profitability trackers (For you if you have multiple services or products and want to know where to focus your marketing efforts to keep the most money coming in.)
  • Projecting your income and expenses for business planning or getting a loan (This is how you get your next big idea off the ground without going broke.)
  • Recording a personalized video training library with step-by-step how-to modules (Never worry about “doing it wrong” again.)
  • Developing weekly, monthly, and quarterly financial review checklists (Because it’s easier to keep up than to catch up, amiright?)
  • Ongoing CFO support (Small businesses deserve access to the same high level of financial knowledge as bigger companies so they can make good decisions.)
  • Business strategy coaching (Business-ing is hard. Don’t do it alone.)

If there’s anything on this list that would help you bring 2024 to a strong close and start 2025 on the right track, let’s talk.