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# Florida CFO Group

Grow. Optimize. Protect.

## Sitemaps

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## Posts

- [AI and Leadership: The CFO’s Opportunity to Create More Than Efficiency](https://floridacfogroup.com/blog/ai-and-leadership-the-cfos-opportunity-to-create-more-than-efficiency/) - Artificial intelligence amplifies experience. Leadership converts it to the right results. The right results improve the lives of customers and employees while delivering better returns for business owners and investors. Experienced CFOs lead business teams to think beyond automation – beyond faster reporting, streamlined accounting processes, and more efficient financial analysis. Those are meaningful improvements,
- [Transition Planning: How to Hand Off Your Business Without Disrupting Operations](https://floridacfogroup.com/blog/transition-planning-how-to-hand-off-your-business-without-disrupting-operations/) - Closing the deal isn't the finish line. Whether you're selling your business, preparing for retirement, bringing in new leadership, or completing an internal succession plan, the transition period is often what determines whether the business continues to thrive. Even profitable companies can lose momentum when knowledge isn't transferred, responsibilities are unclear, or employees aren't sure
- [Vendor Relations: What Do New Owners Mean for Our Key Partners?](https://floridacfogroup.com/blog/vendor-relations-what-do-new-owners-mean-for-our-key-partners/) - Whenever a company changes hands, vendors and partners immediately start asking the same question: "What does this mean for us?" And frankly, it's a fair question. New ownership almost always brings some level of change, sometimes subtle, sometimes significant. For key partners, the biggest concerns usually come down to stability, communication, and long-term direction. While
- [Leadership Teams: Who Stays, Who Goes, and How Do We Handle It with Grace?](https://floridacfogroup.com/blog/leadership-teams-who-stays-who-goes-and-how-do-we-handle-it-with-grace/) - One of the hardest responsibilities a CEO faces isn't hiring a leadership team. It's knowing when that team needs to evolve. In the early stages of a business, leaders often surround themselves with people who are willing to take risks, wear multiple hats, and help turn an idea into reality. These early team members are
- [Preparation Is Key: Maximizing Value Before a Business Sale](https://floridacfogroup.com/blog/preparation-is-key-maximizing-value-before-a-business-sale/) - For a CFO, few moments carry more weight than the months leading up to a company sale. Whether your organization is preparing for a strategic acquisition, a private equity recapitalization, or a full exit to a financial buyer, the work you do before the first buyer conversation can mean the difference between a smooth, value-maximizing
- [We Got to Close! Wait…There’s Still More to Do?](https://floridacfogroup.com/blog/we-got-to-close-waittheres-still-more-to-do/) - For many business owners, closing day feels like the finish line. Years of building the company culminate in a signed purchase agreement, funds are transferred and everyone celebrates. It's understandable to think the hard part is over. But in many transactions, closing isn't the end of the journey. It's the beginning of an entirely new
- [Earnouts: What They Are, Whether You Want One, and Where They Go Wrong](https://floridacfogroup.com/blog/earnouts-what-they-are-whether-you-want-one-and-where-they-go-wrong/) - Earnouts are one of the most common, and most misunderstood structures in M&A. They’re typically positioned to “align interests” between buyer and seller. In reality, they often do something very different: they shift execution risk back to the seller after the seller no longer controls the business. If you’re heading into a transaction, you need
- [Audit or Review: What Founders Need to Know Before It Matters](https://floridacfogroup.com/blog/audit-or-review-what-founders-need-to-know-before-it-matters/) - I hear this question from business owners all the time: “Do we actually need an audit, or can we just do a review?” It usually comes up for a reason and underneath the question is always the same concern: Is this really necessary, or just expensive accounting noise? The truth is, audits and reviews are
- [The CFO’s Guide to Letters of Intent (LOIs): Negotiation, Traps, and Exclusivity](https://floridacfogroup.com/blog/the-cfos-guide-to-letters-of-intent-lois-negotiation-traps-and-exclusivity/) - In middle-market M&A transactions, the Letter of Intent (LOI) is often treated as a preliminary document, something to move the process forward before the “real” legal agreement is negotiated. That thinking is a mistake. For CFOs and financial leaders involved in transactions, the LOI is often the most important negotiation in the entire deal process.
- [The Role of the CFO in Due Diligence: From Scorekeeper to Deal Architect](https://floridacfogroup.com/blog/the-role-of-the-cfo-in-due-diligence-from-scorekeeper-to-deal-architect/) - When most people think about due diligence, they picture endless document requests, spreadsheets and late-night emails from advisors. While that's certainly part of the process, it misses what is actually happening behind the scenes. Due diligence is not simply an exercise in gathering information. It's the period when buyers begin testing their assumptions about a
- [Sell-Side Quality of Earnings: The CFO’s Opportunity to Control the Narrative](https://floridacfogroup.com/blog/sell-side-quality-of-earnings-the-cfos-opportunity-to-control-the-narrative/) - A Quality of Earnings (QoE) report is often viewed as a diligence requirement. In reality, it’s one of the most strategic tools a company can leverage during a sale process. Because buyers are not simply evaluating EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization). They’re evaluating the reliability of EBITDA. They want to understand whether
- [Virtual Data Rooms Done Right: Best Practices for Transactions and Capital Raises](https://floridacfogroup.com/blog/virtual-data-rooms-done-right-best-practices-for-transactions-and-capital-raises/) - Management teams often turn to the CFO to collect and manage the business information shared with prospective investors, lenders, or buyers. As a fractional CFO, I have built and managed many transaction data rooms and have seen how strongly this step influences investor confidence, valuation, and deal timeline. A well-prepared virtual data room (VDR) should
- [When Should I Implement a New System?](https://floridacfogroup.com/blog/when-should-i-implement-a-new-system/) - Many businesses wait far too long to implement new systems. At first, existing processes seem manageable. Teams create temporary fixes, build additional spreadsheets, and rely on manual workarounds to keep things moving. Spreadsheets multiply. Manual work increases. Data becomes inconsistent. What starts as a small inefficiency often grows in the background over time. Teams spend
- [I Missed a Business Target — Now What?](https://floridacfogroup.com/blog/i-missed-a-business-target-now-what/) - Every business misses targets at some point. Revenue comes in short. A launch doesn’t convert the way it modeled. A deal you were counting on moves to next quarter. It happens in early-stage companies. It happens in mature ones. It happens even when the strategy is sound and the team is extremely capable. Missing the
- [What Smart Leaders Do After Missing a Target](https://floridacfogroup.com/blog/theinvestmenttimingtrap/) - Every business misses targets. Revenue falls short. A product launch underperforms. A major deal slips to next quarter. It happens—even in well-run companies. The real question isn’t whether you miss a target. It’s what you do next. 1. Don’t React Emotionally — Diagnose the Situation The first reaction is usually frustration. But the most effective
- [Should I Invest Before or After Growth?](https://floridacfogroup.com/blog/should-i-invest-before-or-after-growth/) - One of the most common questions we hear from business owners is simple: “Do we invest now to drive growth, or wait until the growth is already happening?” It sounds like a timing question, but it’s really a capital allocation decision under uncertainty. Both approaches can work. But in practice, most businesses don’t struggle because
- [The Overlooked Risk in Business Exits: Communication](https://floridacfogroup.com/blog/the-overlooked-risk-in-business-exits-communication/) - Florida CFO Group partners have led numerous full-cycle transactions, generating hundreds of millions of dollars in realized value for business owners. We recognize that exiting a business is often viewed as a defining milestone — the realization of worth after years of effort, commitment, and resilience. However, ownership transitions, encompassing pre-sale preparation, demanding financial and
- [What Due Diligence Actually Looks Like and How to Survive It](https://floridacfogroup.com/blog/what-due-diligence-actually-looks-like-and-how-to-survive-it/) - I tell every client the same thing when they ask me what due diligence feels like. It is a colonoscopy for your business. Nobody enjoys the process. It is invasive, uncomfortable, and reveals things you might have preferred to keep private. But just like the medical version, the owners who go in prepared, who have
- [What Is an ERP — and Do I Need One?](https://floridacfogroup.com/blog/what-is-an-erp-and-do-i-need-one/) - At some point in a company’s growth, this question always comes up: “Should we get an ERP system?” I’ve heard it from CEOs frustrated with reporting, operations leaders juggling spreadsheets, and finance teams trying to reconcile numbers that never quite match. ERP can sound complicated. And expensive. But in the right situation, it can also
- [Stock Sale vs. Asset Sale](https://floridacfogroup.com/blog/stock-sale-vs-asset-sale/) - If you Google "stock sale vs. asset sale," you'll get a clean, tidy definition of each. Technically correct, but often useless when you're actually sitting at the closing table. The reality is, the “right” structure depends on a multitude of variables that don't fit neatly into any definition: the company's debt load, its capital structure,
- [What Got Me Here Won’t Get Me Where I Want to Go Next. Now What?](https://floridacfogroup.com/blog/what-got-me-here-wont-get-me-where-i-want-to-go-next-now-what/) - There’s a moment in every successful professional’s journey when they look up from the path they’ve mastered and realize the uncomfortable truth: the very habits, mindsets, and playbooks that got them here won’t take them where they want to go next. Times change, and so should our habits, mindsets and playbooks. That moment isn’t a
- [The CFO’s Blueprint: Turning GTM Strategy into a Profit Engine](https://floridacfogroup.com/blog/the-cfos-blueprint-turning-gtm-strategy-into-a-profit-engine/) - In my experience, “Go-to-Market” (GTM) is often presented as a creative exercise—a cocktail of sleek slide decks, brand messaging, and launch timelines. But from the CFO’s chair, I see it differently. For me, GTM is a capital allocation problem. It is the bridge between a theoretical business model and the reality of your P&L. When
- [Debt Maturity Cycles: Why Smart Companies Manage Time, Not Just Interest Rates](https://floridacfogroup.com/blog/debt-maturity-cycles-why-smart-companies-manage-time-not-just-interest-rates/) - Debt is usually discussed in terms of cost: interest rates, covenants, and repayment amounts. But one of the most important, and most overlooked, dimensions of debt is time. Every loan, credit facility, or bond carries a maturity date. And those dates don’t just mark when repayment is due, they influence your company’s future negotiating power
- [Debt: Understanding Unsecured Borrowing (Revolvers, LOCs, Credit Cards)](https://floridacfogroup.com/blog/debt-understanding-unsecured-borrowing-revolvers-locs-credit-cards/) - Debt isn’t inherently good or bad, it’s a tool. Used intentionally, it can stabilize cash flow, support growth, and give a business room to breathe. Used carelessly, it can erode margins and flexibility. One of the most common, and most misunderstood, tools in a company’s capital stack is unsecured debt. Because it doesn’t require collateral,
- [Considering a Business Sale? A Practical Roadmap for Owners](https://floridacfogroup.com/blog/considering-a-business-sale-a-practical-roadmap-for-owners/) - Deciding to sell your business is one of the most significant financial and personal decisions a business owner will ever make. For many owners, it’s not a single moment, but a growing realization, prompted by market conditions, personal goals, succession questions, or simply the sense that it may be time to explore what comes next.
- [Personal Guarantee vs. Corporate Guarantee: What Business Owners Need to Know Before Signing](https://floridacfogroup.com/blog/personal-guarantee-vs-corporate-guarantee-what-business-owners-need-to-know-before-signing/) - When negotiating a loan or line of credit, the type of guarantee a bank requires can materially change your risk exposure. If a lender is requesting a personal guarantee rather than a corporate guarantee, this is more than a formality, it directly affects your personal financial risk. Before signing, it’s important to understand what’s being
- [Why AI Will Not Replace Your Finance Team, But It Will Redefine It](https://floridacfogroup.com/blog/why-ai-will-not-replace-your-finance-team-but-it-will-redefine-it/) - AI is moving faster than most finance teams expected. Forecasts that once took weeks now take hours. Dashboards update in real time. Variance analysis happens with a click. For many leaders, the question is no longer if AI belongs in finance. It is what happens to the people when the systems get smarter. That is
- [Secured vs. Unsecured Debt: Making the Right Move for Your Capital Strategy](https://floridacfogroup.com/blog/secured-vs-unsecured-debt-making-the-right-move-for-your-capital-strategy/) - When it comes to debt, most people stop at the surface-level distinction: secured debt is backed by collateral, unsecured debtis not. But as CFOs, we know the real value lies in how strategically we deploy each type. The Case for Secured Debt Secured debt is any loan that’s backed by collateral, something the lender can
- [Setting the Organizational Foundation for Sustainable Growth](https://floridacfogroup.com/blog/setting-the-organizational-foundation-for-sustainable-growth/) - Whether your business has been operating for years or is just getting started, a business owner or manager must ensure that the organization is supported by a strong and stable foundation. That foundation rests on three essential functions: finance, operations, and sales & marketing. Finance: The Backbone of Sustainability Finance keeps your business sustainable by
- [Scaling Smart: A CFO’s Perspective on Scaling a Business](https://floridacfogroup.com/blog/scaling-smart-a-cfos-perspective-on-scaling-a-business/) - As a Chief Financial Officer, I’ve seen firsthand how scaling a business can be both exhilarating and perilous. Scaling a business means increasing its capacity to grow and generate more revenue without a corresponding increase in costs. Scaling without a solid financial foundation can lead to cash flow crises, operational inefficiencies, and strategic missteps. Here
- [The Equity Conversation You Can’t Avoid: What If It’s Time to Raise Some?](https://floridacfogroup.com/blog/the-equity-conversation-you-cant-avoid-what-if-its-time-to-raise-some/) - Raising equity looks different from the inside than it does on paper. Having raised equity for both a venture-capital–backed startup and a public company, I’ve seen firsthand what it really takes to secure funding for growth, finish product development, and support scaling. This article shares my top CFO insights and key lessons learned along the
- [Year-End Isn’t Just a Deadline — It’s a Financial Opportunity](https://floridacfogroup.com/blog/year-end-isnt-just-a-deadline-its-a-financial-opportunity/) - As we head into year-end, most small and mid-size businesses focus on closing deals and tying up loose ends. But this is also one of the best times to create real financial strategy going into Q1. Over the years, I’ve seen that the companies who use these few weeks intentionally get a jump-start on the
- [Raising Equity: What Every Owner Should Know Before Saying Yes](https://floridacfogroup.com/blog/raising-equity-what-every-owner-should-know-before-saying-yes/) - Growing companies hit a point where internal cash flow and debt financing no longer stretch far enough. When that day comes, the next question is often the hardest one: Do we raise equity, and if so, how? Over the years, I’ve raised equity for both a venture-backed startup and a publicly traded company. In both
- [The Founder’s Roadmap to Funding: Angels, VCs, and the Path to an IPO](https://floridacfogroup.com/blog/the-founders-roadmap-to-funding-angels-vcs-and-the-path-to-an-ipo/) - Most entrepreneurs start the same way: a little grit, a lot of caffeine, and a spreadsheet that somehow doubles as both a business plan and a therapy journal. You hustle, you bootstrap, and you keep things moving until eventually, you hit a wall. The opportunities are bigger than the bank account, and the word “scrappy”
- [Doing Standup Comedy- a CFO’s Perspective](https://floridacfogroup.com/blog/doing-standup-comedy-a-cfos-perspective/) - Earlier this year, I got myself two coaches: • An AI coach I met with on Friday afternoons (Kevin Connor — awesome) • And a standup comedy coach whose class I joined on Monday nights (Carmen Vallone — also awesome). The AI class made me a better CFO. But surprisingly, being a CFO made me
- [Debt vs. Equity? The Funding Decision That Shapes Your Company’s Future](https://floridacfogroup.com/blog/debt-vs-equity-the-funding-decision-that-shapes-your-companys-future/) - Raising capital is not only about getting money. It is about making the right choice for your business, your cash flow, and your control. Every growing business reaches a point when more capital is needed to expand, hire, or invest in new opportunities. When your business reaches that point, you will need to determine whether
- [Debt Financing Part 2: Secured vs. Unsecured](https://floridacfogroup.com/blog/debt-financing-part-2-secured-vs-unsecured/) - By Michael Shepardson, Partner, Florida CFO Group In Part 1 of this series, we explored the basics of debt financing, like sizing the appropriate amount, understanding repayment plans, and managing lender expectations. In Part 2, we’re going a layer deeper by examining the two fundamental types of debt: secured vs. unsecured. Understanding the difference between them will
- [Why Financial Metrics Still Matter More Than Ever](https://floridacfogroup.com/blog/why-financial-metrics-still-matter-more-than-ever/) - There comes a point in every business when the numbers stop being abstract and start telling a story. Maybe it’s the first time margins shrink even as revenue grows, or when cash flow feels tighter than it should. Those numbers aren’t just data points, they’re signals, showing what’s working, what isn’t, and where to look
- [Human Capital, Part 2: Are the Right People in the Right Seats on the Bus?](https://floridacfogroup.com/blog/human-capital-part-2-are-the-right-people-in-the-right-seats-on-the-bus/) - By Donald Retreage, Jr. - CFO/COO/EOS® Integrator, Partner Florida CFO Group You can have a solid strategy, an inspiring vision, and even robust financials, but if the wrong people are in the wrong roles, your organization won’t go far. As Jim Collins famously put it, “Great vision without great people is irrelevant.” But it’s not
- [Human Capital Starts with Honest Talent Evaluation](https://floridacfogroup.com/blog/human-capital-starts-with-honest-talent-evaluation/) - In today’s fast-paced, tech-driven business landscape, it’s easy to forget that your greatest asset isn’t your product, platform, or even your intellectual property; it’s your people. As an EOS Worldwide (Entrepreneurial Operating System®) Integrator™ and CFO Partner with the Florida CFO Group, I know that sustainable growth is less about quick wins and more about
- [Florida CFO Group Joins Panel and Sponsors "Back to the Future of Work" Event](https://floridacfogroup.com/blog/from-hours-to-outcomes-tampa-panel-explores-the-future-of-work-in-an-ai-world/) - On September 4th, members of the Florida CFO Group joined business leaders from across Tampa Bay at Embarc Collective for an evening of forward-thinking conversation and a bit of nostalgic fun. Hosted by Fractio and held at Embarc’s ReliaQuest Auditorium, the event, "Back to the Future of Work: Why Time-Based Pricing is History," brought together professionals
- [Understanding Debt Financing: A Practical Guide for Small Business Owners](https://floridacfogroup.com/blog/understanding-debt-financing-a-practical-guide-for-small-business-owners/) - By Todd Wegner, Partner As a fractional CFO working with small and mid-sized businesses, I often see founders hesitant about debt financing—sometimes unsure whether it's a strategic tool or a financial trap. When used wisely, debt can be a powerful lever to scale your business, smooth cash flow, or invest in long-term assets. Here are
- [Putting People First & Unlocking Their Potential with AI](https://floridacfogroup.com/blog/putting-people-first-unlocking-their-potential-with-ai/) - Over the course of his 30+ year career, Repeatable AI’s Founder and CEO, Kevin Connor has worked with some of the world’s most iconic brands—The Walt Disney Company, Panasonic, and Nissan Motor Corporation—at the intersection of innovation, strategy, and technology. From pioneering the first interactive video comparison tool for car showrooms to helping launch the
- [Sources of Capital (Human and $$$$)](https://floridacfogroup.com/blog/sources-of-capital-human-and/) - Capital is the fuel that powers every organization’s engine, and in today’s fast-moving economy, you need two distinct tanks: human capital and financial capital. As a Partner with the Florida CFO Group, I’ve seen firsthand how blending these two sources of strength leads to sustainable growth, higher engagement, and a more resilient business model. 1.
- [Fueling Growth in SMBs: The Power of Aligning Vision, Culture, Capital, and Market Opportunity](https://floridacfogroup.com/blog/fueling-growth-in-smbs-the-power-of-aligning-vision-culture-capital-and-market-opportunity/) - I’ve worked with a number of small and mid-sized businesses as a CFO over the last 12 years. Unlike large enterprises, SMBs often operate with leaner resources and tighter margins (but not always!), making the path to sustainable growth more complex. However, one of the most effective ways to unlock growth potential lies in achieving
- [Turning Vision into Collective Action: Create Real Buy-In with Strategic Communication](https://floridacfogroup.com/blog/turning-vision-into-collective-action/) - Vision without buy-in is just a dream. In my role as EOS Integrator™ (Entrepreneurial Operating System®) and CFO Partner with the Florida CFO Group®, I’ve seen firsthand how articulating a clear vision galvanizes teams, vendors, and stakeholders alike. When you consistently share the “why” behind your goals—whether in your L10 meetings® (Level 10) or in vendor
- [Stuck in the Mud: What to Do When Your Team Disagrees on How to Fuel Growth](https://floridacfogroup.com/blog/stuck-in-the-mud-what-to-do-when-your-team-disagrees-on-how-to-fuel-growth/) - Growth is the lifeblood of any successful business. But what happens when your team, the very people responsible for fueling that growth, can't agree on how to do it? You end up stuck in the mud, spinning your wheels, and wasting precious time and resources. Sound familiar? Don't despair. Disagreement is a natural part of
- [Establishing the Vision: The Key to Gaining Market Share](https://floridacfogroup.com/blog/establishing-the-vision-the-key-to-gaining-market-share/) - After several decades serving as a CFO, I’ve seen firsthand how a clearly established vision is the engine that propels organizations toward growth and greater market share. In today’s competitive landscape, particularly for small and midsized businesses (SMBs), vision isn’t just a lofty statement; it can be the fuel that fires the passion to drive
- [Keys to a Successful Acquisition](https://floridacfogroup.com/blog/keys-to-a-successful-acquisition/) - Growing a company’s revenue can come from organic or inorganic growth. Organic sales growth refers to the increase in a company’s revenue achieved through existing operations and product lines, excluding any revenue generated from acquisitions or mergers. It reflects the company’s ability to enhance sales through internal efforts such as improved product offerings, increased customer
- [Ideas come from the strangest places.](https://floridacfogroup.com/blog/ideas-come-from-the-strangest-places/) - Explore the unconventional journey of a CFO's creativity – from cycling epiphanies to collaborating with a fractional CFO.
- [Unlocking Your Business's Full Potential](https://floridacfogroup.com/blog/unlocking-your-businesses-full-potential/) - Tips and Tricks to Maximize Value: Every business owner wants to see their company thrive. But what separates a good business from a truly valuable one?
- [Why Smart Businesses Treat Tax Planning as a Year-Round Strategy](https://floridacfogroup.com/blog/why-smart-businesses-treat-tax-planning-as-a-year-round-strategy/) - Imagine discovering just days before the tax deadline that you've missed out on thousands in deductions, overpaid estimated taxes, or failed to leverage a credit that could have boosted your profits. This scenario is common for business owners who view taxes as an annual chore. The reality is that strategic, year-round tax planning significantly enhances
- [“Whole Company” Financial Planning and Analysis](https://floridacfogroup.com/blog/whole-company-financial-planning-and-analysis/) - "Whole company" financial planning empowers departments to own their budgets, align with strategy, and adapt quickly. This shared responsibility builds accountability, boosts performance, and minimizes surprises—leading to smarter decisions and long-term success.
- [Welcoming Our Newest Partners to the Florida CFO Group](https://floridacfogroup.com/blog/welcoming-our-newest-partners-to-the-florida-cfo-group/) - We are committed to assembling a team of top-tier financial professionals dedicated to helping businesses thrive. That’s why we are excited to welcome three exceptional new partners—Brent Elliott, Diana Doty, and Steven Weldon—who bring extensive expertise in financial strategy, growth management, and operational excellence. Their diverse backgrounds strengthen our ability to support businesses in navigating financial challenges and seizing new opportunities.
- [CFO Succession: Why High-Stakes Planning Can Make or Break Your Company’s Future](https://floridacfogroup.com/blog/cfo-succession-why-high-stakes-planning-can-make-or-break-your-companys-future/) - CFO succession is critical for business continuity. Learn why strategic planning is vital to ensure smooth leadership transitions and long-term success.
- [Edible Mascots & Cheez-It Announcers: Lessons in Bold Branding](https://floridacfogroup.com/blog/edible-mascots-cheez-it-announcers-lessons-in-bold-branding/) - Discover how bold branding ideas like edible mascots and toaster trophies make Florida Citrus Sports’ campaigns unforgettable. Lessons for creative marketers.
- [Visa Gift Cards and Hurricanes: A Hospitality Workforce Lesson](https://floridacfogroup.com/blog/visa-gift-cards-and-hurricanes-a-hospitality-workforce-lesson/) - Visa Gift Card Hurricane Relief. Visa gift cards spotlight Tampa Bay hospitality relief efforts after hurricanes, showcasing creativity and community impact .
- [Is Your Business Prepared for Economic Uncertainty?](https://floridacfogroup.com/blog/is-your-business-prepared-for-economic-uncertainty/) - Eventually, the economy will turn—it always does. In recent years, we’ve faced the housing boom and bust, the global pandemic, rising inflation, and higher interest rates. It’s hard to predict when the next economic downturn will happen. Uncertainties about taxes, tariffs, and global events make it even tougher. The real question is, will your business
- [Riding the Risk Wave: How Florida’s Insurance Market is Adapting to Stormy Times](https://floridacfogroup.com/blog/riding-the-risk-wave-how-floridas-insurance-market-is-adapting-to-stormy-times/) - The Florida insurance market is shifting, with Excess & Surplus (E&S) carriers stepping up where traditional insurers retreat. Learn what this means for businesses and homeowners.
- [Touchdowns and Takeovers: What the NFL Playoffs Teach Us About Crushing It in Business](https://floridacfogroup.com/blog/touchdowns-and-takeovers-what-the-nfl-playoffs-teach-us-about-crushing-it-in-business/) - Touchdowns and Takeovers. Lessons from the NFL playoffs that can transform your business game. Learn about adaptability and teamwork to succeed in any field.
- [Are the Big Four Too Big to Govern? PwC’s Scandal Reveals a Crumbling System](https://floridacfogroup.com/blog/are-the-big-four-too-big-to-govern-pwcs-scandal-reveals-a-crumbling-system/) - Imagine being responsible for billions of dollars, yet no one can keep you accountable. That’s the dangerous reality PwC, one of the world’s largest accounting firms, faces today. Their recent scandal in China, involving Evergrande’s $80 billion fraud, has rocked the industry and revealed a growing problem—have the Big Four become too big to manage?
- [Lessons from the Ghost Town Vacation: Why Your Business Strategy Shouldn't Get Spooked!](https://floridacfogroup.com/blog/lessons-from-the-ghost-town-vacation-why-your-business-strategy-shouldnt-get-spooked/) - Business strategy lessons! Learn why planning, adaptability, and a sense of humor are essential for success in today’s unpredictable world.
- [UPDATE: NEED NOT COMPLY! January 1, 2025 BOI Filing No Longer Required](https://floridacfogroup.com/blog/corporate-transparency-act/) - NEED NOT COMPLY! A Texas Federal Court just halted enforcement of this rule, and companies need not comply by the January 1st deadline.
- [The Day After Thanksgiving: When Everyone Calls Their CFO](https://floridacfogroup.com/blog/the-day-after-thanksgiving-when-everyone-calls-their-cfo/) - Post-Holiday CFO Rush. Discover why CFOs are inundated with calls post-holiday and learn strategies to handle the rush with clarity and preparation.
- [The Looming 'Silver Tsunami': What Florida’s Aging Population Means for Business and Policy](https://floridacfogroup.com/blog/the-looming-silver-tsunami-what-floridas-aging-population-means-for-business-and-policy/) - Florida’s aging population is skyrocketing, creating challenges in housing, transportation, and retirement planning. Discover how businesses can innovate to meet these demands and turn demographic shifts into opportunities. Are you ready to adapt and lead?
- [Multiple Bites of the Apple: How Business Owners Are Cashing in Beyond the Sale](https://floridacfogroup.com/blog/multiple-bites-of-the-apple-how-business-owners-are-cashing-in-beyond-the-sale/) - Multiple Bites of the Apple. Explore how business owners can secure multiple paydays post-sale. Real-world examples and current trends in PE acquisitions.
- [Key Takeaways for Small Online Businesses - Understanding the Wayfair Sales Tax Act](https://floridacfogroup.com/blog/key-takeaways-for-small-online-businesses-understanding-the-wayfair-sales-tax-ac/) - Wayfair Sales Tax Act. For small business owners engaged in online sales, understanding these changes is crucial for compliance and strategic planning.
- [Should Your Business Take a Slice Out of Florida’s Market?](https://floridacfogroup.com/blog/should-your-business-take-a-slice-out-of-floridas-market/) - Mountain Mike’s Pizza's Florida Market Expansion, showcasing strategic franchise expansion lessons. Learn how brand detail and market analysis lead to growth.
- [Resurrecting the Quagga: A Masterclass in Making Zebras Less Stripey](https://floridacfogroup.com/blog/resurrecting-the-quagga-a-masterclass-in-making-zebras-less-stripey/) - Quagga revival: Scientists aim for extinct species comeback, but critics argue it's just a less stripey zebra. Lessons for innovation and branding.
- [Rivals or Roof Buddies? When Competing Roofers Team Up for a Common Cause](https://floridacfogroup.com/blog/rivals-or-roof-buddies-when-competing-roofers-team-up-for-a-common-cause/) - Competing Roofers Team Up. Discover how competing roofing companies united to fight fraud after hurricanes, and learn what leaders can gain from their example.
- [The Price of Paradise: When 'Waterfront View' Becomes 'Waterfront Pool' - Resilient Real Estate in Tampa Bay](https://floridacfogroup.com/blog/the-price-of-paradise-when-waterfront-view-becomes-waterfront-pool-resilient-real-estate-in-tampa-bay/) - The Price of Paradise: After back-to-back hurricanes, Tampa Bay residents face tough choices on rebuilding or selling. Explore the real estate challenges ahead.
- [AI on the Board? Why Your Next Board Member Might Just Be a Bot!](https://floridacfogroup.com/blog/ai-on-the-board-why-your-next-board-member-might-just-be-a-bot/) - AI on the Board! Explore the possibility of AI in the boardroom and how it could reshape corporate governance, compliance, and strategy for business leaders.
- [From Tides to Tables: Why Business Leaders Should Take a Cue from Daytona’s Newest Restaurant](https://floridacfogroup.com/blog/from-tides-to-tables-why-business-leaders-should-take-a-cue-from-daytonas-newest-restaurant/) - From Tides to Tables: Discover strategies for success from a tide-to-table restaurant in Daytona Beach can help business leaders stay fresh and adaptive.
- [Bracing for Impact: What Two Hurricanes Taught Us About Business Resilience](https://floridacfogroup.com/blog/bracing-for-impact-what-two-hurricanes-taught-us-about-business-resilience/) - Bracing for Impact. Learn lessons from back-to-back hurricanes in Tampa Bay and how businesses can apply these to boost resilience in the face of disasters.
- [DisruptHR -- Interesting and Fun](https://floridacfogroup.com/blog/disrupthr-interesting-and-fun/) - DisruptHR is a speaking and networking event that has spread to over 200 cities over the past 11 years. Their tagline is “the rebellious side of HR”
- [Unveiling the Dynamics of Chief Financial Officers](https://floridacfogroup.com/blog/unveiling-the-dynamics-of-chief-financial-officers/) - In 2023, key trends emerged, shedding light on the composition, tenure, compensation, outlook, and evolving role of CFOs in large public companies.
- [5 Fractional CFO Benefits](https://floridacfogroup.com/blog/5-benefits-of-a-fractional-cfo/) - Discover how a Fractional CFO can drive growth, provide strategic guidance, and enhance financial stability for your business, all at a cost-effective rate.
- [The Critical Need for CFO Succession Planning](https://floridacfogroup.com/blog/the-critical-need-for-cfo-succession-planning/) - Ensure organizational stability by understanding the critical need for CFO succession planning. Learn why many companies lack formal plans and how to address .
- [Why Every EV Vehicle Business Owner Should Care About DMV Audits](https://floridacfogroup.com/blog/why-every-ev-vehicle-business-owner-in-florida-should-care-about-dmv-audits/) - Learn why DMV audits are crucial for Florida EV business owners. Ensure compliance, avoid fines, and stay ahead with our expert tips and insights.
- [FASB Proposes New Accounting Rules for Environmental Credits](https://floridacfogroup.com/blog/fasb-proposes-new-accounting-rules-for-environmental-credits/) - FASB Proposes New Accounting Rules for Environmental Credits On June 12, 2024, the Financial Accounting Standards Board (FASB) proposed new rules to standardize how companies account for environmental credits, such as renewable energy certificates and carbon offsets. This initiative addresses a significant gap in U.S. accounting rules, aiming to provide clearer and more comparable information
- [Eligible Salaries for Employees Conducting Research for R&D: Understanding the R&D Tax Credit for Small Businesses](https://floridacfogroup.com/blog/eligible-salaries-for-employees-conducting-research-for-rd-understanding-the-rd-tax-credit-for-small-businesses/) - In the world of business, innovation is the key to success. Small businesses, just like their larger counterparts, engage in research and development (R&D) activities to create new products, improve existing ones, and stay competitive. What many small business owners may not realize is that they can potentially benefit from the R&D tax credit, which
- [The Art of Successful M&A Integration: Lessons from Newellization](https://floridacfogroup.com/blog/the-art-of-successful-ma-integration-lessons-from-newellization/) - In the realm of M&A strategy, one often encounters the term "Newellization," a methodology named after a relatively small household goods company nestled in Freeport, Illinois. The Newellization strategy is grounded in four core principles that have proven instrumental in propelling Newell from its humble beginnings into an industry giant. These principles are: Consolidate Market
- [Wanted: Top Lieutenant](https://floridacfogroup.com/blog/wanted-top-lieutenant/) - It’s often said that it is lonely at the top of an organization. In a small business, it is not just lonely but overwhelming. The owner/entrepreneur, whether alone or with a partner or two, often wears so many hats that several important areas of focus must go unattended. Perhaps that means that business development
- [The Benevolent Path: Unveiling the Benefits of Corporate Donations to Charities](https://floridacfogroup.com/blog/the-benevolent-path-unveiling-the-benefits-of-corporate-donations-to-charities/) - In today's fast-paced business world, where profit margins and shareholder value often take center stage, it is heartening to witness a growing trend among corporations: philanthropic endeavors and corporate donations to charities. This altruistic shift is not just a feel-good PR stunt; it is a strategic move with a host of benefits for both the
- [Unraveling the Complexity of U.S. Tax Code](https://floridacfogroup.com/blog/unraveling-the-complexity-of-u-s-tax-code/) - Tax season in the United States often feels like navigating a labyrinth of rules and regulations, with filers grappling with questions so convoluted that it can take pages to determine something as basic as who qualifies as a dependent. The frustration is palpable, leading many to clamor for a complete overhaul of the tax system.
- [The Evolution of Cryptocurrency: A Path to Maturity](https://floridacfogroup.com/blog/the-evolution-of-cryptocurrency-a-path-to-maturity/) - Maturing Crypto Markets Cryptocurrency markets, long perceived as the financial Wild West, are beginning to mature. This evolution is driven by firmer regulation, greater acceptance of existing rules, and innovative market mechanisms enhancing price efficiency and liquidity. As Mariia Petryk highlights in her article, these changes are making crypto-assets, like Bitcoin, safer investments. SEC Approval
- [Avoiding Blind Spots](https://floridacfogroup.com/blog/avoiding-blind-spots/) - The Critical Role of Finance in Entrepreneurial Leadership In the dynamic landscape of entrepreneurship, CEOs often juggle multiple priorities, from product development to marketing strategies. However, one aspect that is often undervalued and underinvested in is the finance function. Entrepreneurial CEOs may prioritize their own biases and overlook critical blind spots, inadvertently neglecting the
- [Enhancing Audit Quality: A New Era of Accountability and Precision](https://floridacfogroup.com/blog/enhancing-audit-quality-a-new-era-of-accountability-and-precision/) - The Public Company Accounting Oversight Board (PCAOB) has recently introduced significant changes aimed at improving the quality of audits performed by audit firms (Maurer, 2024). The new rules, approved on May 13, 2024, mark a crucial step in updating decades-old standards, ensuring that audits are conducted with greater accuracy and transparency. This move is part
- [The Carburetor for your Business](https://floridacfogroup.com/blog/the-carburetor-for-your-business/) - I know that analogies work better when they are not based on things that became obsolete in the 1980s but I have an excuse. I am the son of a machinist who worked for Holley Carburetor for 19 years. And as a youth, I worked in gas stations in Detroit where I watched mechanics tinker
- [Navigating Merchant Credit Fees & Settlements](https://floridacfogroup.com/blog/navigating-merchant-credit-fees-settlements/) - As Merchant Credit Card Fees increase and become more complex, business owners seek ways to minimize costs and ensure they are not overpaying. In navigating this landscape, it's crucial to stay informed about developments such as rebate programs and class action settlements. One recent lawsuit in particular, sheds light on the issue of excessive fees
- [Best Practices for SMB Boards](https://floridacfogroup.com/blog/best-practices-for-smb-boards/) - Best Practices for SMB Boards includes forming advisory or formal boards to enhance decision quality, shareholder relationships, and overall growth.
- [Partner of the Month: Operations and Change Management Take Center Stage](https://floridacfogroup.com/blog/partner-of-the-month-operations-and-change-management-take-center-stage/) - September 2022: John Cruickshank A newly admitted Partner in the Florida CFO Group, John Cruickshank is an operational CFO with the proven ability to position companies for long-term growth and profitability. His career includes domestic and international public company, private equity, and family company experience. He enjoys being a strategic partner to the CEO and
- [Partner of the Month: Software Specialist With Turn-Around Experience](https://floridacfogroup.com/blog/partner-of-the-month-software-specialist-with-turn-around-experience/) - July 2022: Deane Baron Deane Baron has more than 20 years of financial leadership experience, including both domestic and international businesses. He has developed meaningful profitability measures and reported for business leaders to keep attention on the bottom line. For over eight years as the vice president of finance in a software business, he enabled
- [Raising Capital Starts with These 2 Things](https://floridacfogroup.com/blog/raise-capital-with-a-compelling-story-and-strong-relationships/) - Whether you are seeking funds from Venture Capital, Private Equity, Lenders, or the Public Markets, raising capital starts with (1) telling a compelling story about your business and (2) building strong relationships. Start the story by explaining how you fit with industry and market trends. Describe the key customers or customer groups and how your
- [Mergers & Acquisitions: Looking at a Potential Purchase](https://floridacfogroup.com/blog/mergers-acquisitions-looking-at-a-potential-purchase/) - Florida CFO Group partners Dale West, Jay White, and Betsy Bennett discuss:Looking at a Potential Purchase -- sizing up acquisitions and determining if an acquisition strategy is right for your organization. What Makes an Acquisition a Good Fit Betsy: Having an acquisition plan depends on the culture and the ultimate strategy of an organization. For some
- [Navigating the Data Deluge: The Vital Role of Key Indicators in a Sea of Information](https://floridacfogroup.com/blog/navigating-the-data-deluge-the-vital-role-of-key-indicators-in-a-sea-of-information/) - Navigate the data deluge with key indicators! Our blog explores their vital role in providing quick insights for agile decision-making in the AI era.
- [Our Latest Addition of Partners](https://floridacfogroup.com/blog/our-latest-addition-of-partners-2/) - Have you met our two most recently added CFO partners? We're proud to have Anna Agnew and Barry Brover join us as the newest partners in the group. Anna and Barry serve as CFOs to companies headquartered in Florida as well as other states. Anna has more than 15 years of CFO service experience in
- [Speaker Series - Tampa 2022](https://floridacfogroup.com/blog/speaker-series-tampa-2022/) - Congratulations to the more than 100 attendees at this year's Grow, Optimize, Protect Speaker Series. A signature event for Florida CFO Group, attendees got to hear from six business experts in areas critical to small and medium-sized businesses--especially in the context of the complex business environment of 2022. We hope you left the panel
- [Here We Grow Again! 3 More CFOs on the Roster](https://floridacfogroup.com/blog/here-we-grow-again-3-more-cfos-on-the-roster/) - Join us in welcoming three more experts to our CFO partner roster, with each new partner representing a different area in Florida. We welcome Timothy Journy from Tampa, Donna Mackenzie from Orlando, and Nathan Lawless from South Florida. Our CFO partners collaborate, sharing their expertise so clients have second (or even third) opinions from specialists
- [Telling Our CFO Story](https://floridacfogroup.com/blog/telling-the-florida-cfo-group-story/) - As business professionals, we often focus on the challenges we face and the issues we need to resolve. Sometimes that focus can be stressful or overwhelming. The ideal is to be optimistic about resolving the challenge or having a positive experience from finding the solution. I had the pleasure of speaking with 29 of the
- [Celebration of Black Business Owners 2023](https://floridacfogroup.com/blog/celebration-of-black-business-owners-2023/) - Celebrating black business owners in recognition of Black History Month.
- [Our Latest Addition of Partners](https://floridacfogroup.com/blog/our-latest-addition-of-partners/) - We're adding even more variety and skill to our roster of Florida CFO Partners. As we continue to expand our experts across the state of Florida, we organically broaden our knowledge base, being able to better serve a diverse range of clients and industries. This is our Secret Sauce. Our partners have access to each
- [A High Quality of Life for High-Quality CFOs](https://floridacfogroup.com/blog/a-high-quality-of-life-for-high-quality-cfos/) - Being a full-time CFO for a large enterprise is a thrilling experience. Working the 50+ hours/week to excel in this role can lose its luster as we get older though. Many of us yearn for more work-life balance as we enter the “back nine” of career. Becoming a fractional CFO can be a step toward
- [Rethinking Plagiarism in the Age of ChatGPT](https://floridacfogroup.com/blog/rethinking-plagiarism-in-the-age-of-chatgpt/) - In the age of AI like ChatGPT, let's shift from punitive plagiarism focus to fostering creativity and ethical AI use in education.
- [Navigating the Shifting Tides: Unraveling M&A Industry Trends](https://floridacfogroup.com/blog/navigating-the-shifting-tides-unraveling-ma-industry-trends/) - Unraveling M&A Trends: Digital, Global, Ethical. Read more at the forefront of industry evolution.
- [Navigating the Future: Unveiling Key Business Trends in 2023](https://floridacfogroup.com/blog/navigating-the-future-unveiling-key-business-trends-in-2023/) - 2023 heralds a business landscape reshaped by hybrid work, sustainability, AI, and personalized experiences. Stay ahead with resilience and digital transformation.
- [The Role of a CFO in the Franchisor-Franchisee Relationship](https://floridacfogroup.com/blog/the-role-of-a-cfo-in-the-franchisor-franchisee-relationship/) - Elevate your franchise with a CFO's expertise! Bridge relations, navigate legalities, and optimize financial health. Contact us at info@floridacfogroup.com.
- [The Coming Storm for Small Businesses](https://floridacfogroup.com/blog/the-coming-storm-for-small-businesses/) - Discover the impact of the Corporate Transparency Act on small businesses. Uncover how reporting requirements and fines may affect entrepreneurship and economic growth.
- [Navigating the AI Boom: The Rise of Fractional Chief AI Officers (CAIO)](https://floridacfogroup.com/blog/navigating-the-ai-boom-the-rise-of-fractional-chief-ai-officers-caio/) - Unlock the power of AI with Fractional Chief AI Officers (CAIO). Cost-effective expertise for startups, navigating the three stages of AI adoption.
- [Multifaceted Solution for Growing Businesses](https://floridacfogroup.com/blog/multifaceted-solution-for-growing-businesses/) - Unveiling the Flexibility of a Fractional CFO: A Multifaceted Solution for Growing Businesses The Dynamic Landscape of Modern Business In the dynamic landscape of modern business, adaptability and expertise are crucial elements for sustainable growth. Amidst this backdrop, the emergence of fractional CFOs has revolutionized the traditional approach to financial management. No longer confined to
- [The Rise of AI in the C-Suite: Are Executives' Jobs at Risk?](https://floridacfogroup.com/blog/the-rise-of-ai-in-the-c-suite-are-executives-jobs-at-risk/) - AI augments, not replaces, execs' roles by enhancing decision-making & freeing time. Adaptation is key to staying competitive.
- [Between the Goal Posts: Navigating the Dynamic Role of a CFO](https://floridacfogroup.com/blog/between-the-goal-posts-navigating-the-dynamic-role-of-a-cfo/) - Introduction: Dispelling Misconceptions In the world of accounting and finance, there’s a common misconception that everything must align to the penny, that precision reigns supreme, and that all accountants share a singular personality type akin to our meticulous friends in the actuarial profession. However, this couldn't be further from the truth. As CFOs, we find
- [Florida CFO Group Supports Special Needs Job Creation](https://floridacfogroup.com/blog/florida-cfo-group-supports-special-needs-job-creation/) - The Florida CFO Group last month made a financial and operational commitment to Polyblox. Polyblox (www.ilovepolyblox.com) is a for-profit and for-purpose startup whose mission is to teach "joyful inclusion" to kids of all ages. ​The Polyblox totems include letters, images, braille, and ASL (American Sign Language) symbols that help teachers and parents teach "Language and
- [Alternative Financing](https://floridacfogroup.com/blog/alternative-financing/) - Florida CFO Group partners Dick Trueblood, Tom Walker and Dale West discuss alternative financing for small and large organizations. Alternative Financing to Fuel GrowthTom: You should always be looking at all of your financial options, from traditional banking to alternative financing and any combination that would maximize what your company needs for financing its operation. Dick: It
- [Adding Depth to Our Group: Welcome Our Newest CFO Partners](https://floridacfogroup.com/blog/adding-depth-to-our-group-welcome-our-newest-cfo-partners/) - The 21 partners of the Florida CFO Group share a common thread: Every one of us has many years of experience as a chief financial officer. The true strength of our group, however, comes from our differences. We’ve served a wide range industries, and our areas of expertise are diverse. Collectively, our CFO experience is
- [Meaningful Metric January 2021 | LTV to CAC Ratio](https://floridacfogroup.com/blog/meaningful-metric-january-2021-ltv-to-cac-ratio/) - Strategic entrepreneurs are watching their LTV (Lifetime Value of a Customer) and CAC (Customer Acquisition Cost) numbers. Combining these two metrics into the LTV to CAC ratio creates a powerful metric. Lifetime Value of a Customer (LTV) The Lifetime Value of a Customer (LTV) formula shows us that profitability and customer retention determine the lifetime
- [Florida Entrepreneur Success Network (FESN)](https://floridacfogroup.com/blog/florida-entrepreneur-success-network-fesn/) - When I was asked to launch the Florida CFO Group brand in Orlando about two years ago, I was honored. My mind immediately went to work on strategies to raise brand awareness for our partnership in the Orlando market. As I sat in meetings with the experienced, high-quality CFOs who were my new partners in
- [Meaningful Metric November 2021 | The Right People in Key Seats](https://floridacfogroup.com/blog/meaningful-metric-november-2021-the-right-people-in-key-seats/) - Experienced CFOs know the best metrics to use for growth, productivity, profitability, leverage and liquidity. But which single metric is the most meaningful? In his book “Beyond Entrepreneurship 2.0,” author Jim Collins suggests there is one metric that towers above all – the percentage of Right People in Key Seats (or RPKS % for short).
- [Client Success Story: Thriving Through a Supply Chain Crisis](https://floridacfogroup.com/blog/client-case-study-thriving-through-a-supply-chain-crisis/) - Fence material suppliers across the country have suffered from a disrupted supply chain for the past two years. With the help and guidance of a fractional CFO, one Florida company, American Wholesale Fenceworks (AWF), found a way to thrive through the supply chain crisis. Three main factors contributed to their success: Work Hard Shane Miller,
- [Confessions of a Former Cable TV Exec](https://floridacfogroup.com/blog/confessions-of-a-former-cable-tv-exec/) - Back when I was a financial executive in the cable TV business, we joked about having “Born to Raise Rates” tattooed on our biceps. How many of us actually got the tat? I will never tell. Let’s just say we are grateful for the advances in tattoo removal technology that have enabled us to re-enter
- [HR & Finance: We're the Rhythm Section](https://floridacfogroup.com/blog/hr-finance-were-the-rhythm-section/) - Can a blog article have a soundtrack? I am including a few iconic song titles in this one to set the stage for my piece on how Human Resources and Finance are the rhythm section of business. Cue: Satisfaction (Rolling Stones) HR and Finance are the “back office”. We aren’t out front like Mick and Keith.
- [4 Essential Steps in Sales and Operations Planning](https://floridacfogroup.com/blog/4-essential-steps-in-sales-and-operations-planning/) - If your business includes manufacturing products to sell to customers, you must have a sales and operations planning process in place. Sales and Operations planning, often called S&OP is a cross-functional process that involves various departments in your company, including sales, operations, finance, and supply chain management. The goal is to create a comprehensive plan
- [What You Need to Know About Cash Forecasting](https://floridacfogroup.com/blog/what-you-need-to-know-about-cash-forecasting/) - Florida CFO Group partners Joe Price, Dick Trueblood, and Tom Walker discuss the importance of cash forecasting for small and large organizations. Tom: Cash flow analysis is very important for a business to be successful. 82% of businesses fail due to poor cash flow management skills. It doesn't matter how great a business model, how
- [Potential for Widespread Impacts of Increasing Tensions with China](https://floridacfogroup.com/blog/potential-for-widespread-impacts-of-increasing-tensions-with-china/) - Relations between the United States and China have long been challenging in many areas but have become progressively more fraught in recent times. Some of the flash points include trade sanctions, authoritarian governance, human rights abuses, technological competition, and militarization of the South and East China Seas, including the Taiwan Strait. The US ‘s long standing policy
- [Overview of the Telecom Services Market - 2024](https://floridacfogroup.com/blog/overview-of-the-telecom-services-market-2024/) - Explore the dynamic landscape of the Telecom Services Market, valued at USD 1.68 Trillion in 2022 and projected to reach USD 2.63 Trillion in 2030.
- [Business Restructuring Challenges – Some Thoughts On How To Achieve the Best Outcomes](https://floridacfogroup.com/blog/business-restructuring-challenges-some-thoughts-on-how-to-achieve-the-best-outcomes/) - Restructuring of small to medium-sized businesses comes in many shapes and sizes, depending upon the challenges faced by the company and the vision for the ultimate outcome/objective. To start, business owners should consider whether they aim to revitalize the business and continue to operate it - or sell to a third party (e.g. strategic, private
- [Breaking Down the CFO Role](https://floridacfogroup.com/blog/breaking-down-the-cfo-role/) - Emerging growth companies considering the need for financial leadership sometimes ask, “What does a CFO do?” It might seem that the president or general manager of the business owns the strategy and process of making money. For financial tasks like paying bills, minding of tax obligations, and general administration - the accounting manager or controller
- [CFOs Tackle Escalating Group Healthcare Costs](https://floridacfogroup.com/blog/cfos-tackle-escalating-group-healthcare-costs/) - In recent years, executive teams have been strained to continue to provide comprehensive group health plan benefits within their budgets. Small to mid-sized employers find this task particularly difficult since their smaller groups can experience extreme increases in costs driven by a few major illnesses in their covered groups. When faced with a large premium
- [CFOs and ChatGPT](https://floridacfogroup.com/blog/cfos-and-chatgpt/) - ChatGPT has the potential to be a powerful tool for businesses - here's what our CFOs had to say about it. CFOs are responsible for managing a company's financial operations and ensuring that the organization is financially sound. They are constantly looking for ways to improve business performance and increase profitability, and exploring innovations is
- [Meaningful Metric July 2021 | In Times Like These, It Pays to Be Quick](https://floridacfogroup.com/blog/meaningful-metric-june-2021-in-times-like-these-it-pays-to-be-quick/) - As we emerge from the COVID-19 pandemic and deal with subsequent supply-chain disruptions, every business must take stock of its liquidity – and avoid misconceptions about its short-term financial position. This is particularly true of small- and mid-sized businesses (SMBs) that often lack a general line of credit or other ready sources of funding. The
- [Paycheck Protection Program... Round Two](https://floridacfogroup.com/blog/paycheck-protection-program-round-two/) - Few would suggest that the adage that holds that gratification delayed is all the sweeter when realized applies to the Paycheck Protection Program Second Draw Loan (PPP2). In fact, some small businesses have been forced to shutter – temporarily or permanently – while awaiting additional relief first discussed in Congress in July. Congress succumbed to
- [COVID-19: SMB Economic Standings 6 to 8 Weeks Into U.S. Economic Crisis](https://floridacfogroup.com/blog/covid-19-smb-economic-standings-6-to-8-weeks-into-u-s-economic-crisis/) - As I write this in mid-May, almost every Florida CFO Group client has been impacted by the economic shutdowns / slow-downs that have arisen from the COVID-19 pandemic. It is already clear that there are several learnings and ongoing challenges that each company, though different in many ways, much address as it imagines the future.
- [The Florida CFO Group: Helping Navigate the Financial Impact of the COVID-19 Pandemic](https://floridacfogroup.com/blog/the-florida-cfo-group-helping-navigate-the-financial-impact-of-the-covid-19-pandemic/) - The current COVID-19 pandemic is having an unprecedented impact on our personal, financial and business lives. The Florida CFO Group serves 50 Tampa Bay / Orlando businesses – all of whom have been impacted – from temporary shut-downs and extensive work-at-home protocols to business rules that provide social distancing – in each case with the
- [When to Hire a Fractional (Part-Time) CFO - Part 3](https://floridacfogroup.com/blog/when-to-hire-a-fractional-part-time-cfo-part-3/) - Part Three of Three Parts: When to Hire a Fractional (Part-Time) CFO In the third and final part of a three-part series on hiring a fractional (part-time) CFO, Florida CFO Group partners Betsy Bennett, Mark Brown, and Jim Dietz discuss how to know you need a part-time CFO and the important considerations in hiring one. What are the
- [When to Hire a Fractional (Part-Time) CFO - Part 1](https://floridacfogroup.com/blog/when-to-hire-a-fractional-part-time-cfo-part-1/) - Part One of Three Parts: When to Hire a Fractional (Part-Time) CFO In the first of a three-part series on hiring a fractional (part-time) CFO, Florida CFO Group partners Betsy Bennett, Mark Brown, and Jim Dietz discuss the role of a part-time CFO and when and if you should hire one. Why should an entrepreneur
- [Meaningful Metric April 2021 | Revenue Per Headcount](https://floridacfogroup.com/blog/meaningful-metric-april-2021-revenue-per-headcount/) - Overview Revenue Per Headcount is one of the first metrics I establish when starting with a company. It is a simple metric which can be very easily understood and adopted by Ownership and all levels of Management. Previously in my career, I have worked in public companies. In those companies we employed very sophisticated metrics
- [Exit Planning Strategy: Who Needs It?](https://floridacfogroup.com/blog/exit-planning-strategy-who-needs-it/) - Florida CFO Group partners Dawn Johnson, Mark Brown and Harold Hale discuss the importance of having an exit strategy for your business. Exit Planning Strategy: Who Needs It? Harold: An exit strategy is planning for a transition of ownership. It is a way or means of either entrepreneurs or investors to basically reap the benefits
- [Understanding Loan Covenants](https://floridacfogroup.com/blog/understanding-loan-covenants/) - Florida CFO Group partners Dan Polen, Joe Price, and Ginger Mentzer discuss loan covenants and their potential impact on your business. Ginger: Loan covenants are fundamental to all commercial and business loans and protect the lender by making sure that the borrower fulfills conditions or prohibits the borrower from doing certain things over the life of
- [Meaningful Metric December 2020 | Debt Service (Coverage) Ratio](https://floridacfogroup.com/blog/meaningful-metric-december-2020-debt-service-coverage-ratio/) - If you are a banker, you’ll likely refer to this as the Debt Service Ratio (DSR), but for the rest of world, it’s known as the Debt Service Coverage Ratio (DSCR). Either way, it’s the same metric. Why is it important? The ratio is primarily used by investors, financial institutions, and essentially anyone evaluating a
- [Meaningful Metric January 2022 | Employee Turnover Rate](https://floridacfogroup.com/blog/meaningful-metric-january-2022-employee-turnover-rate/) - Obtaining and retaining qualified personnel has been one of the most difficult challenges for companies in today’s market. Flexibility, higher wages due to demand, and health concerns are key issues for workers. One key metric that companies use to evaluate their success is Employee Turnover Rate. It’s a measure of employees leaving a company. Although market trends are
- [How a Fractional CFO Can Revolutionize Your Financial Year-end and Propel You into the Future](https://floridacfogroup.com/blog/how-a-fractional-cfo-can-revolutionize-your-financial-year-end-and-propel-you-into-the-future/) - The conclusion of the financial year is a pivotal juncture for every business owner. It marks a time for scrutinizing financial performance, orchestrating tax returns, and strategizing for the times ahead. However, these multifaceted tasks can be formidable, especially without a dedicated financial expert in your team. This is precisely where the role of a
- [Managing Through Inflationary Times](https://floridacfogroup.com/blog/managing-through-inflationary-times/) - Inflation is the rate of increase in prices over a given period of time. Inflation is typically a broad measure, such as the overall increase in prices or the increase in the cost of living in a country. Unless you’re a child prodigy, you probably weren’t a manager the last time inflation was this high—in 1982; it
- [What The Future Of CFO Work Looks Like After Coronavirus](https://floridacfogroup.com/blog/what-the-future-of-cfo-work-looks-like-after-coronavirus/) - by Donald H Noble Senior finance leaders need to look beyond solving today's major issues or even what lies ahead in the near-term future. Instead, they need to imagine what finance could look like five years from now. The perception of finance as a risk-averse, cost-conscious team with a back-office mindset will be a thing
- [How to Make & Keep Your Budget Relevant With Your Strategic Plan](https://floridacfogroup.com/blog/how-to-make-keep-your-budget-relevant-with-your-strategic-plan/) - Florida CFO Group partners Dawn Johnson, Mike Meyer, and Dan Polen discuss the importance of aligning strategic plans and annual budgets. Mike: A lot of companies, and not just start-ups, struggle with planning and especially with aligning their annual budget and strategic plan. Dawn: Yes, too often each is developed independently of the other without
- [Navigating Transformation: Strategies for Payers in the Changing Landscape of Medicare Advantage (MA)](https://floridacfogroup.com/blog/navigating-transformation-strategies-for-payers-in-the-changing-landscape-of-medicare-advantage-ma/) - Sweeping changes to Medicare Advantage: How payers could respond
- [Preparing Your Business for Sale?](https://floridacfogroup.com/blog/preparing-your-business-for-sale/) - When it comes to exiting, timing is everything -- and that is true in business as well as in life. Once you have established that it is the best time to sell your business and move forward into the next phase of your life, smart preparation is critically important. Often, it can make the difference between a
- [The SBA EIDL Reconsideration Process: Turning a NO to YES!](https://floridacfogroup.com/blog/the-sba-eidl-reconsideration-process-turning-a-no-to-yes/) - If the SBA denies your EIDL loan application, the SBA will notify you in writing outlining the specific reasons for the denial. Any applicant whose request for a loan is declined for reasons other than size (not being a small business) has the right to submit information to overcome the reason or reasons for the
- [Cash vs. Profits: Post COVID Business Survival Strategy](https://floridacfogroup.com/blog/cash-vs-profits-post-covid-business-survival-strategy/) - Every successful business owner has learned that NOT having a laser focus on their top and bottom line can make or break a business. Today, as we navigate through a very uncertain and disruptive COVID environment, business owners may need to shift their focus from the P&L to the balance sheet to ensure economic survival.
- [The $500,000 Question: How to Increase Your EIDL Loan Amount](https://floridacfogroup.com/blog/the-500000-question-how-to-increase-your-eidl-loan-amount/) - Beginning April 6, small businesses and non-profits can apply for an increase to their COVID-19 disaster loans up to a maximum loan amount of $500,000. Now is a good time for business owners to start preparing a “Request for Increase” application to the SBA. Applicants that already accepted a loan calculated under the previous guidelines have
- [The Ongoing Challenge of IRS Audits for Employee Retention Credit (ERC) Recipients](https://floridacfogroup.com/blog/the-ongoing-challenge-of-irs-audits-for-employee-retention-credit-erc-recipients/) - Unlocking the Truth About IRS Audits for Employee Retention Credit (ERC) Recipients: Learn how to safeguard your ERC claims. Don't miss out!
- [The SBA said “Denied” – Now What?](https://floridacfogroup.com/blog/the-sba-said-denied-now-what/) - If your COVID-19 Economic Injury Disaster Loan (EIDL) application was denied by the Small Business Administration (SBA), you still have an opportunity to request that the application be reconsidered. The reconsideration process has been a successful strategy for many applicants, but you will need to have a detailed reconsideration package. Applicants interested in submitting a
- [Part 2: How do I establish Performance Metrics for my business?](https://floridacfogroup.com/blog/how-do-i-establish-performance-metrics-for-my-business/) - Performance Metrics also called Key Performance Indicators (“KPIs”) provide objective measures for a business to monitor itself. Metrics are a critical addition to any organization that wants to improve itself. Below are several criteria to consider as you set KPIs for your organization. Strategic in nature. When considering performance metrics, it is critical to have
- [Part 1: Do Performance Metrics have Value for my Entrepreneurial Business?](https://floridacfogroup.com/blog/do-performance-metrics-have-value-for-my-entrepreneurial-business/) - I am often asked by entrepreneurs what I think could help their business. Of course, we always talk about their product or service and how they market it to the right customers. Then we talk about employees and the challenges of meeting customer demands. As those discussions go on, I like to recommend that they
- [Are Budgets a Waste of Your Management Team’s Time?](https://floridacfogroup.com/blog/are-budgets-a-waste-of-your-management-teams-time/) - Florida CFO Group partners Betsy Bennett, Mark Brown and Harold Hale discuss the importance of budgeting and if comparing results to budget on an annual basis is an out-of-date practice. Mark: Just as you do not need a map for your daily commute to the office, if your business is stable and doesn't change month-to-month,
- [Are You Losing Money on Your Biggest Customers? Part 1](https://floridacfogroup.com/blog/are-you-losing-money-on-your-biggest-customers-part-1/) - Part One of Three Parts: Revenues vs. ProfitabilityIn the first of a three-part series on how to recognize if you're losing money on your largest customers, Florida CFO Group partners Betsy Bennett, Mark Brown, and Jay White discuss recognizing if you are losing money on your largest customers and the impact of chasing revenues vs. profitability.
- [Are You Losing Money on Your Biggest Customers? Part 2](https://floridacfogroup.com/blog/are-you-losing-money-on-your-biggest-customers-part-2/) - Part Two of Three Parts: Factors Impacting Customer ProfitabilityIn the second of a three-part series on how to recognize if you're losing money on your largest customers, Florida CFO Group partners Betsy Bennett, Mark Brown, and Jay White discuss the factors impacting customer profitability. Is Customer profitability an issue from the start of the relationship, or does it erode over time?
- [Are You Losing Money on Your Biggest Customers? Part 3](https://floridacfogroup.com/blog/are-you-losing-money-on-your-biggest-customers-part-3/) - Part Three of Three Parts: Turning Around Unprofitable CustomerIn the third and final part of a three part series on how to recognize if you're losing money on your largest customers, Florida CFO Group partners Betsy Bennett, Mark Brown, and Jay White discuss turning around unprofitable customers. Turning around an unprofitable large customer relationship. Jay: We have some big
- [When to Hire a Fractional (Part-Time) CFO - Part 2](https://floridacfogroup.com/blog/when-to-hire-a-fractional-part-time-cfo-part-2/) - Part Two of Three Parts: When to Hire a Fractional (Part-Time) CFO In the second of a three-part series on hiring a fractional (part-time) CFO, Florida CFO Group partners Betsy Bennett, Mark Brown, and Jim Dietz discuss why to hire a part-time CFO and the differences between interim, full-time, controllers, and part-time CFOs. What's the difference between a full-time
- [The Power Behind Managing A Scorecard](https://floridacfogroup.com/blog/the-power-behind-managing-a-scorecard/) - Albeit in various ways, most companies track their metrics one way or another. This may be via dashboard, flash report or KPI portal – the terminology is endless. For our purposes, we will refer to these metric tracking tools as scorecards. There is tremendous truth around what gets measured gets done. There can be scorecards at
- [Bicycling and Budgeting: More Alike Than You Think](https://floridacfogroup.com/blog/bicycling-and-budgeting-more-alike-than-you-think/) - In February of this year I started training for RAGBRAI XLIX- The Registers Annual Great Bike Ride Across Iowa that took place from July 23rd through July 30th. To prepare I researched the recommended training regime and modified it to allow more time to build up my bad left knee. My training partner and I followed our plan(s),
- [Bridging the Gap: Aligning 2024 Strategic Initiatives with Budgetary Realities](https://floridacfogroup.com/blog/bridging-the-gap-aligning-2024-strategic-initiatives-with-budgetary-realities/) - Betsy Bennett - Discover how companies can seamlessly align 2024 strategic initiatives with budgets, ensuring efficient resource allocation for sustained growth.
- [Diverse Experiences Build Strong CFOs](https://floridacfogroup.com/blog/diverse-experiences-build-strong-cfos/) - Not all CFOs are created equal, and one critical differentiator is broad experience working across industries and with different types of businesses. I, like all of my partners at the Florida CFO Group, rely on just such a mix. These consequential industry experiences coupled with financial sponsorships afford small- and medium-sized business (SMB) clients access
- [Elevating Financial Success: The Crucial Role of a Fractional CFO in Team Assessment – Part 1](https://floridacfogroup.com/blog/elevating-financial-success-the-crucial-role-of-a-fractional-cfo-in-team-assessment-part-1/) - Introduction: The role of a fractional CFO extends far beyond managing financial strategies; it involves a critical evaluation of the existing Accounting, Finance, and Treasury teams within a company. Upon commencing a client engagement, an important mission of a fractional CFO is to provide a fresh perspective to owners and private equity sponsors. This involves
- [Disrupt…or Be Disrupted](https://floridacfogroup.com/blog/disruptor-be-disrupted/) - I was blessed to have experienced the glory days of two industries: computer mainframes in the 1980s and cable TV in the 1990s and 2000s. The career opportunities, perks, and bonuses during those glory days were great, but glory days do not last forever. They end when businesses get disrupted. They end with a painful
- [Client Success Story: How A Fractional CFO Helped Grow My Company Profits Ten-fold](https://floridacfogroup.com/blog/client-success-story-how-a-fractional-cfo-helped-grow-my-company-profits-ten-fold/) - I first met Roddy Premsukh in June 2021. At that time, Direct Components was 19 years old, and had 18 employees. We had totaled about $12 million in gross profit the previous year, and on the surface, were humming along just fine. Little did I know that hiring a fractional CFO for a few months
- [Risk Management is Like Creating a Classic Symphony](https://floridacfogroup.com/blog/risk-management-is-a-like-creating-a-classic-symphony/) - Expertly balancing numbers and narratives, the CFO is a transformative force, guiding organizations to sustainable success with strategic financial acumen.
- [Why Structured and Formal Education Is More Important Now](https://floridacfogroup.com/blog/why-structured-and-formal-education-is-more-important-now/) - September 25, 2023 - https://floridacfogroup.com/blog/why-structured-and-formal-education-is-more-important-now/
- [The Corporate Transparency Act (CTA) Revealed! Are you protected?](https://floridacfogroup.com/blog/the-corporate-transparency-act-cta-revealed-are-you-protected/) - Unlock the Impact of the Corporate Transparency Act: Small Businesses Face New Reporting Requirements in 2024. Stay informed and compliant.
- [Most mergers fail. Wait……What did he say????](https://floridacfogroup.com/blog/most-mergers-fail-waitwhat-did-he-say/) - Would it surprise you to learn that research has shown that 50 to 70% of mergers and acquisitions fail to achieve the expected result (Lovallo and Kahneman 2003)? What about that 90% of mergers result in some type of lawsuit by shareholders (Secher and Horley 2018)? You may be asking yourself, like I did,
- [Celebration of Women Business Owners](https://floridacfogroup.com/blog/celebration-of-women-business-owners/) - In recognition of Women's History Month this March 2023, we had the pleasure of honoring women-owned businesses throughout the month during our Tuesday morning CFO Coffee Talks. Each entrepreneur is an inspiration - sharing their success story and guidance as a speaker during our weekly LinkedIn Live show. If you missed a CFO Coffee Talk
- [Storm Season in Full Swing - Stay Ready](https://floridacfogroup.com/blog/storm-seaon-is-in-full-swing-stay-ready/) - We at the Florida CFO Group hope that all our neighbors came through this storm unscathed. As Hurricane Idalia, which made landfall near Florida’s Big Bend as a CAT 3, makes its way out of Florida and into nearby states, we send our well wishes for safety to residents in Georgia and the Carolinas. Of
- [CFOs on Cyber Security](https://floridacfogroup.com/blog/cfos-on-cyber-security/) - There is an old saying in poker, "If you can't spot the sucker in the first half hour at the table, then you ARE the sucker." The same goes for CFOs. If you cannot identify your company's security weaknesses, then you are the weakness. CFOs are not the first executive that comes to mind when
- [What Is the Financial Health of Your Business?](https://floridacfogroup.com/blog/what-is-the-financial-health-of-your-business/) - As good stewards of our body, we strive to have annual physical exams with our doctors. However, as a business owner, do you think about the financial health of your business? Is it operating efficiently? Are resources properly deployed for maximum effect? Are you being as successful as you could? As a small business owner,
- [Celebrating Women Business Owners](https://floridacfogroup.com/blog/celebrating-women-business-owners/) - This month, the Florida CFO Group decided to shine a light on the amazing women business owners in our communities. Visit our LinkedIn page to read about: Tiffany Bailey – Bayside Sod, Inc. Cheryl Biron – Lexagen Freedom Accelerator Regine Bonneau – RB Advisory, LLC Caroline Castille- Clickable Impact Dr. Alicia Claircius – Angel Eyes
- [Meaningful Metric February 2021 | The Enterprise Value (EV)/EBITDA Multiple](https://floridacfogroup.com/blog/meaningful-metric-february-2021-the-enterprise-value-ev-ebitda-multiple/) - If you are selling your business, you must understand this basic metric. All too often, business owners focus solely on net earnings multiples quoted by various M&A providers, and ignore the underlying assumptions on business debts, transaction terms, risk factors, synergies and growth rates. The common perception is that if one company is worth x
- [Meaningful Metric May 2021 | Net Promoter Score](https://floridacfogroup.com/blog/meaningful-metric-may-2021-net-promoter-score/) - Net promoter score (NPS) is the gold standard of customer experience metrics. First developed in 2003 by Bain and Company, it’s now used by millions of businesses to measure and track how they’re perceived by their customers based on one simple question: How likely is it that you would recommend (your organization or product) to a
- [Pricing Your Product During the Post-Pandemic Recovery](https://floridacfogroup.com/blog/pricing-your-product-during-the-post-pandemic-recovery/) - Product pricing decisions during the post-pandemic recovery is crucial to achieving good financial results for 2021 and into 2022. The post-pandemic recovery is in full-swing and companies are trying to restock inventories following last year’s global recession, and demand is outpacing supply. Companies are unable to secure enough raw materials for their products because of
- [One of the Best Ways to Keep Your Company's Financials in Order Is with a Fractional CFO](https://floridacfogroup.com/blog/one-of-the-best-ways-to-keep-your-companys-financials-in-order-is-with-a-fractional-cfo/) - Introduction to fractional CFOs Partnering with a fractional CFO service provider provides you with a trained member of staff who has a strong knowledge of the industry and with experience in using financial software and systems. A fractional CFO is an employee who's responsible for the day-to-day operation of a business' accounting and financial management
- [Save the Date: Nine Meaningful Conversations – August 25](https://floridacfogroup.com/blog/save-the-date-nine-meaningful-conversations-august-25/) - Our “new normal” is unpredictability and uncertainty. Economic and market conditions can change quickly and profoundly, so entrepreneurs need to be ready to shift their focus toward initiatives that grow, optimize and protect their businesses based on changing conditions. To get you thinking broadly about how to build your capacity to react, we’re sponsoring an
- [Cash Is King, But Cash Flow Statements Rule The World](https://floridacfogroup.com/blog/cash-is-king-but-cash-flow-statements-rule-the-world/) - As a CFO, one of the first things I’m asked when I walk into a room is how I begin to evaluate a company. First and foremost, I always use financial statements and financial information. However, in almost 95% of the cases, I tend to focus on the cash flow statement. It tells me a
- [Meaningful Metric October 2021 | Revenue as a Metric](https://floridacfogroup.com/blog/meaningful-metric-october-2021-revenue-as-a-metric/) - There is a saying that when the tide rises, all boats are lifted. When the tide recedes, beware of the underlying rocks. Revenue is like the tide. High revenue will cover up a company’s potential inefficiencies. But when revenue is lower, it can expose all sorts of rocks that can hurt a business owner, such
- [The Complete Guide to the CFO's Role in the Modern Business & What are They Responsible for?](https://floridacfogroup.com/blog/the-complete-guide-to-the-cfos-role-in-the-modern-business-what-are-they-responsible-for/) - What is a CFO? CFOs are the Chief Financial Officers of a company. They report to the CEO, the founder, or the Board and are in charge of all the financial aspects of a business. The work they do is crucial for a company's success and their responsibilities include: - Setting up budgets - Preparing
- [How to Respond to Supply Chain Issues and Inflation](https://floridacfogroup.com/blog/how-to-respond-to-supply-chain-issues-and-inflation/) - Any news watcher knows that the country is having “supply chain issues” right now, and many business owners are watching as their bottom line shrinks. So, what are a few ways to navigate these rough waters and steer your business ship through the storm? What is supply chain and how do you track it? The
- [Well-Traveled CFOs](https://floridacfogroup.com/blog/well-traveled-cfos/) - “Travel and change of place impart new vigor to the mind.” This quote by the Roman philosopher Seneca may explain the interesting mix of vigorous minds in The Florida CFO Group. The combined professional journeys of our 23 partners span: 32 different states in the U.S.More than 40 countriesSix of the seven continents, excluding Antarctica
- [Florida CFO Group Supports Veterans on Giving Tuesday](https://floridacfogroup.com/blog/florida-cfo-group-supports-veterans-on-giving-tuesday/) - Many of the brave men and women who have served in military combat are struggling with the ”invisible wounds of war.” Tragically, on average 22 veterans take their own lives by suicide each day. The Camaraderie Foundation is supporting veterans to solve this problem, and you can help. Through their network of PTSD counselors, they
- [New Brand. New Website. Same Strategic Support.](https://floridacfogroup.com/blog/new-brand-new-website-same-strategic-support/) - As we celebrate our first decade of business at Florida CFO Group, we proudly look back on the ten years we have spent providing valuable, strategic financial partnership to our clients and the rapid growth of our firm. Now, as we look forward at years to come, we are proud to unveil Florida CFO Group’s
- [Meaningful Metric July 2022 | With Potential for Recession Looming, Now's the Time to be Efficient](https://floridacfogroup.com/blog/meaningful-metric-july-2022-efficiency-ratios/) - Every business should have Performance Metrics (also called Key Performance Indicators or “KPIs”) to provide objective measurement of how the business is performing. Businesses need meaningful metrics that offer business leaders insight not only into how the business is performing overall, but into the underlying health of the business and any changes therein. Meaningful metrics
- [Spotlighting Women Business Owners](https://floridacfogroup.com/blog/spotlighting-women-business-owners/) - As a celebration of Women's History Month, the partners of Florida CFO Group took time to recognize and feature amazing women business owners in our local communities. Click on the names to read a short bio of each business owner on our LinkedIn page. Barbara Emener Karasek | CEO & Co-Owner of Paradise Advertising &
- [Celebrating Black Business Owners](https://floridacfogroup.com/blog/celebrating-black-business-owners/) - Throughout February, the Florida CFO Group celebrated Black History Month by spotlighting amazing Black business owners in our communities. You can read a short bio of each business owner on our LinkedIn page. Kim C. Shaw, MAML – Founder and CEO of InspiringYOU! Leadership Enrichment Solutions!Kenneth D. Howard, E. A. – Founder KLH Financial Services (KLH)Regine Bonneau, CTPRP – CEO/Founder of
- [Surviving and Thriving Through 'The Great Resignation'](https://floridacfogroup.com/blog/surviving-and-thriving-through-the-great-resignation/) - We’ve all been hearing about the huge labor shortage and have been discussing, ad nauseum, why this has happened. From Covid concerns to the desire to work remotely or more flexibly, to the many people simply exiting the traditional labor market, the reasons are numerous. What can you and your company do to mitigate the

## Pages

- [Fractional and Interim CFO Services](https://floridacfogroup.com/) - Founded in 2010, the Florida CFO Group offers fractional (part-time) and interim CFO services, helping growth companies optimize their financial strategies.
- [Our Story](https://floridacfogroup.com/about-us/) - Learn about our journey and discover our vision at Our Story. Get to know the people and values behind CFO Partners.
- [Florida CFO Group](https://floridacfogroup.com/florida-cfo-group/) - Florida CFO Group Grow. Optimize. Protect. - 👍
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- [Privacy Policy](https://floridacfogroup.com/privacy-policy/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Main Banner” module_class=”hero-banner-section privacy-banner” _builder_version=”4.23.4″ background_enable_image=”off” height_tablet=”auto” height_phone=”auto” height_last_edited=”on|tablet” custom_padding=”140px||0px||false|false” custom_padding_tablet=”280px||0px||false|false” custom_padding_phone=”200px||0px||false|false” locked=”off” collapsed=”off” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ use_custom_gutter=”on” gutter_width=”3″ custom_padding_last_edited=”on|desktop” disabled_on=”off|off|off” admin_label=”row” module_class=”banner-row” _builder_version=”4.23.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|tablet” max_width=”100%” custom_padding=”||0px||false|false” custom_padding_tablet=”||0px||false|false” custom_padding_phone=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”3_5″ module_class=”hero-banner-col” _builder_version=”4.21.0″ background_color=”#ffffff” custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text module_class=”max-width-module” _builder_version=”4.23.4″ _module_preset=”default” text_text_color=”#245b7c” header_text_color=”#245b7c” global_colors_info=”{}”]Privacy Policy This organization provides this
- [My Test](https://floridacfogroup.com/my-test/) - [Test_blog]
- [partners](https://floridacfogroup.com/partners/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” module_id=”cfo-partners-section” module_class=”cfo-partners-banner” _builder_version=”4.23.4″ _module_preset=”default” background_color=”#245b7c” custom_padding=”180px||60px||false|false” custom_padding_tablet=”150px||0px||false|false” custom_padding_phone=”150px||||false|false” collapsed=”off” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ custom_padding_last_edited=”on|tablet” _builder_version=”4.23.4″ _module_preset=”default” width_tablet=”90%” width_phone=”90%” width_last_edited=”on|tablet” custom_padding=”||||false|false” custom_padding_tablet=”0px||0px||false|false” custom_padding_phone=”0px||0px||false|false” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”3_5″ module_class=”partners-details-col” _builder_version=”4.23.4″ _module_preset=”default” custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_code admin_label=”img visible” _builder_version=”4.23.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″ disabled_on=”on|on|on” disabled=”on”] CFO PARTNER Andrew Kirk I provide owners and investors with collaborative solutions to complex business
- [Test](https://floridacfogroup.com/test/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” custom_padding=”50px||50px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][contact-form-7 id=”5cda839″ title=”button-pop-form”][/et_pb_text][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https://www.youtube.com/watch?v=aTT3jJaDMBc&t=1s” _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text module_class=”video_text” _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”] Resources Case Studies Company to Enter Wholesale and Manufacturing CFO Helps Achieve
- [case studies details](https://floridacfogroup.com/case-studies-details/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” admin_label=”service Banner” module_class=”hero-banner-section bg-color” _builder_version=”4.23.4″ background_enable_image=”off” height=”50vh” height_tablet=”auto” height_phone=”auto” height_last_edited=”on|tablet” custom_padding_tablet=”280px||0px||false|false” custom_padding_phone=”280px||0px||false|false” locked=”off” collapsed=”off” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ use_custom_gutter=”on” gutter_width=”3″ custom_padding_last_edited=”on|desktop” admin_label=”row” module_class=”banner-row” _builder_version=”4.21.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”100%” max_width=”100%” custom_padding=”||0px||false|false” custom_padding_tablet=”||0px||false|false” custom_padding_phone=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”3_5″ module_class=”hero-banner-col” _builder_version=”4.21.0″ background_color=”#ffffff” custom_padding=”|||” custom_padding_last_edited=”off|desktop” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text module_class=”max-width-module” _builder_version=”4.23.4″ _module_preset=”default” text_text_color=”#245b7c” header_text_color=”#245b7c” custom_padding_last_edited=”off|desktop” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]Privately Held Company Struggles with
- [Partner Lead Submission](https://floridacfogroup.com/partner-lead-submission/)

## Resources

- [Overview on Opportunity Zones - An Investor’s Guide by Opportunity Zone Impact](https://floridacfogroup.com/blog/resources/overview-on-opportunity-zones-an-investors-guide-by-opportunity-zone-impact/) - Contents: An Investor’s Guide 01. Introduction to Qualified Opportunity Zone Funds (QOF). 02. What is a Qualified Opportunity Zone? (QOZ) 03. What are the tax benefits of a QOF? 04. How to establish a QOF. 05. Qualified Investments of a QOF. 06. Comparison of QOF to1031 Exchange (Real Estate Investments). 07. Next steps…establish your Qualified
- [Guild - Donald H Noble](https://floridacfogroup.com/blog/resources/guild-donald-h-noble/) - With over 15 years of executive leadership experience in various industries, I am currently the Interim Chief Financial Officer at Pantheon Vision, a leading provider of innovative vision solutions. In this role, I oversee the financial operations and strategy of the company, and lead the integration of a recent acquisition that will expand our global
- [X (Twitter) - Donald H Noble](https://floridacfogroup.com/blog/resources/twitter/)
- [M&A Access Featuring Donald H Noble - AMAA](https://floridacfogroup.com/blog/resources/ma-access-featuring-donald-h-noble-amaa/) - This week’s M&A Access features Donald H. Noble, CFO, VetCor. Noble explains how VetCor has sustained itself during the pandemic as a recession-proof business that launched new services to increase its revenue. He also delves into how remote means of communication such as video conferencing and social media have allowed the business to remain in front of clients in
- [ResearchGate - Donald H Noble](https://floridacfogroup.com/blog/resources/researchgate-donald-h-noble/) - Liberty University · School of Business Doctor of Business Administration I am currently pursuing my DBA at Liberty University. I also teach Corporate and Personal Finance classes at HCC. Contact
- [SpeakerHub - Donald H Noble](https://floridacfogroup.com/blog/resources/speakerhub-donald-h-noble/)
- [Crunchbase - Donald H Noble](https://floridacfogroup.com/blog/resources/crunchbase-donald-h-noble/) - Responsible for providing strategic financial leadership by working with executive management to establish and direct long-range goals, strategies, plans. Speaker Interim CFO Fractional CFO
- [Easy Money: Fed Policies Spur Corporate Spending - WSJ](https://floridacfogroup.com/blog/resources/easy-money-fed-policies-spur-corporate-spending-wsj/) - Historically low interest rates engineered by the Federal Reserve have paid off for Fricks Co., a maker of industrial concrete floors based in Fort Worth, Texas. On one side of the ledger, the low rates have encouraged several big customers to dust off construction plans they had shelved during the recession, bringing in a flood
- [Tim Fischer - Rocket Reach](https://floridacfogroup.com/blog/resources/tim-fischer-rocket-reach/)
- [Partner of the Month - Tim Fischer](https://floridacfogroup.com/blog/resources/partner-of-the-month-tim-fischer/) - Tim Fischer is The Florida CFO Group's most recent partner addition, coming to us from the hashtag#Sarasota area! Adding to our high caliber line of hashtag#CFOs, Tim is an entrepreneur himself, as well as an experienced CFO. He has helped business owners solve their complex and ambiguous business challenges by charting a hashtag#profitable course forward.
- [People On The Move In Tampa Bay – Tim Fischer – Tampa Bay Business Journal](https://floridacfogroup.com/blog/resources/people-on-the-move-in-tampa-bay-tim-fischer-tampa-bay-business-journal/) - Tim Fischer recently joined the Florida CFO Group as a Partner in the Sarasota area. Fischer has over 35 years of experience leading profitable start-ups and operational turnarounds in both manufacturing and service companies serving in the CFO and COO capacity. Fischer’s expertise includes business turnarounds, M&A, and helping business owners develop and implement a
- [Partnered with University of Tampa](https://floridacfogroup.com/blog/resources/partnered-with-university-of-tampa/) - Partnered with University of Tampa MBA students to create a strategic plan for an $80 million dollar wholesale distribution company as part of their Capstone project.
- [People On The Move In Tampa Bay – Ernest Scheidemann – Tampa Bay Business Journal](https://floridacfogroup.com/blog/resources/people-on-the-move-in-tampa-bay-ernest-scheidemann-tampa-bay-business-journal/) - Mr. Scheidemann is a CPA with 25 years of CFO experience, collaborating on developing and executing business strategies with executive teams and boards while leading the financial, operational, and administrative aspects of companies ranging from Fortune 500 to mid-cap to start-ups. He leverages a diverse industry background, including homebuilding, general contracting, property management, insurance brokerage,
- [People On The Move In Tampa Bay – Anna Agnew – Tampa Bay Business Journal](https://floridacfogroup.com/blog/resources/people-on-the-move-in-tampa-bay/) - Anna Agnew, MBA, CTP, recently joined The Florida CFO Group as a Partner. Agnew brings over 15 years of providing Chief Financial Officer services in 29+ industries. She is a global finance, treasury, and accounting executive with experience in corporate and consulting roles for public and privately held companies, ranging in size and maturity from
- [People On The Move In Tampa Bay - Timothy Journy - Tampa Bay Business Journal](https://floridacfogroup.com/blog/resources/people-on-the-move-in-tampa-bay-timothy-journy-tampa-bay-business-journal/) - Tim Journy recently joined Florida CFO Group as a partner in the Tampa area. Tim has over 30 years of financial leadership experience. His expertise is in risk management, identifying and harvesting operational efficiencies, and mergers and acquisitions. Tim is excited to be a part of the Florida CFO Group and continue their effort in
- [CFO Coffee Talk S2 E20 -- Winning the Workers Comp Battle](https://floridacfogroup.com/blog/resources/cfo-coffee-talk-s2-e20-winning-the-workers-comp-battle/)
- [Quoted in Payment Push by Russ Banham, CFO Magazine](https://floridacfogroup.com/blog/resources/quoted-in-payment-push-by-russ-banham-cfo-magazine/)
- [Tampa Bay Business Journal - 2019 CFO of the Year Honoree](https://floridacfogroup.com/blog/resources/tampa-bay-business-journal-2019-cfo-of-the-year-honoree/)
- [Effective Leadership – In the NFL and at the Office](https://floridacfogroup.com/blog/resources/effective-leadership-in-the-nfl-and-at-the-office/)
- [CFO Product Cost Analysis Leads to Improved Pricing, Product Rationalization, and Increased Overall Profitability](https://floridacfogroup.com/blog/resources/cfo-product-cost-analysis-leads-to-improved-pricing-product-rationalization-and-increased-overall-profitability/)
- [Our Latest Addition of Partners](https://floridacfogroup.com/blog/resources/our-latest-addition-of-partners/)
- [Resources What is Lorem Ipsum?](https://floridacfogroup.com/blog/resources/resources-what-is-lorem-ipsum/)

## Testimonials

- [Greg Ross-Munro, CEO and Founder, Sourcetoad](https://floridacfogroup.com/blog/testimonials/greg-ross-munro-president-sourcetoad/) - “When Bill and I first started working together in 2022, Sourcetoad had grown quickly and I felt like I was losing visibility into the financial side of the business. We had good people and good systems, but we didn’t yet have the level of financial structure, reporting discipline, and strategic financial insight that a company our size
- [Tonya Turrell, Founder & CEO, Technology Match](https://floridacfogroup.com/blog/testimonials/tonya-turrell-founder-ceo-technology-match/) - “Phil played a pivotal role in our transition from a traditional lead-generation agency to a SaaS business. His financial models and cash planning were critical as we bootstrapped a software company. Beyond finance, Phil is a strategic thinker whose guidance shaped our operations, fundraising, and successful transition to a C-corp. He has a rare ability to make complex
- [Michele Krohn, Founder / Managing Partner](https://floridacfogroup.com/blog/testimonials/michele-krohn-founder-managing-partner/) - “Phil is a true thought partner who consistently sees the bigger picture and ensures our financial decisions align with long-term goals. He challenges our thinking, holds us accountable, and brings people and ideas together in ways that create real value. With Phil on our team, we’re more confident, focused, and supported in building the future we envision.”
- [Charise Scharfeld](https://floridacfogroup.com/blog/testimonials/charise-scharfeld/) - Highly recommend Steve. He’s been awesome to work with over the last 20 years.
- [Grant Shellhammer](https://floridacfogroup.com/blog/testimonials/grant-shellhammer/) - Steve is super professional. Always quick to respond, fast turn around, and accurate. Been a client for over 10 years and will continue to be.
- [Jimmy Waller, CEO / Principal, National Captive Insurance Specialist at Waller Insurance Partners](https://floridacfogroup.com/blog/testimonials/jimmy-waller-ceo/) - I have worked with Brent Elliott for several years. Brent is one of the most professional and talented CPA / CFO's that I have had the opportunity to work with in Florida. Brent is a proven and well respected leader via the Standard Sand & Silica group of companies. Standard is a multi generational family
- [Patricia Whalen, CEO](https://floridacfogroup.com/blog/testimonials/patricia-whalen-ceo/) - Partnering with Donna as our fractional CFO was an absolute pleasure! What began as an onboarding process to implement budgets and financial goals and streamline our P&L swiftly evolved into a strategic collaboration. Donna seamlessly transitioned into a trusted thought partner, contributing significantly to our strategic initiatives and helping enforce stability during the ebbs and
- [Jackie Jennings, Credit Manager – Nestor Sales LLC](https://floridacfogroup.com/blog/testimonials/jackie-jennings-credit-manager-nestor-sales-llc/) - I have had the privilege of working with Barry as a Credit Manager, and I can confidently say that his leadership has been nothing short of exceptional. His mentorship has been invaluable to my growth. He encouraged me to think critically, take calculated risks, and learn from every experience.
- [George R. Linscott - President/CEO, Visicon Technologies, Inc.](https://floridacfogroup.com/blog/testimonials/george-r-linscott-president-ceo-visicon-technologies-inc/) - Simply put, Mark helped me save my company. It has been over 12 years since I first met Mark. At the time I was a budding entrepreneur that had grown my software company to about $10M in revenue and then hit a brick wall. Fortunately, one of my board members knew Mark and in a
- [Tony Linguanti, Shareholder & Co-CEO - Taylor White](https://floridacfogroup.com/blog/testimonials/tony-linguanti-shareholder-co-ceo-taylor-white/) - I’ve known John for roughly 20 years, as both a client and briefly as a candidate. John is impressive. He is a detailed and strategic-thinking CFO who can clearly articulate his message to upper management. We have placed several people with John over the years, and all have told us that it was because of
- [John McDonald, Sr. Managing Director – Hyde Park Capital Advisors, LLC](https://floridacfogroup.com/blog/testimonials/john-mcdonald-sr-managing-director-hyde-park-capital-advisors-llc/) - I have known John for many years since he is an active member of the Tampa Bay business community, as am I. He is known locally as a consummate CFO, having worked for many companies locally and in the surrounding areas. I recently had the pleasure of selling a company where he introduced me to
- [Casey Roth, Vice President & Commercial Banking Officer – First Citizens Bank](https://floridacfogroup.com/blog/testimonials/casey-roth-vice-president-commercial-banking-officer-first-citizens-bank/) - I have had the pleasure of working with John Woelfel over the past four years. John’s ability as a CFO demonstrated a deep understanding of his client’s business. His excellence for vision and foresight was instrumental in aligning key financial products and relationships to achieve the overall business plan for the company’s “bigger picture.”
- [Billy West, President - M.E. Wilson Co.](https://floridacfogroup.com/blog/testimonials/billy-west-president-m-e-wilson-co/) - I have had the pleasure of working with John at several companies. In each of those companies, I watched John make subtle changes that truly make a positive impact both culturally and financially. John has the ability to quickly find the deficiencies in companies and bring the solutions that will fill the gaps that are
- [Howard Millian, President – Millian Aire Enterprises, LLC](https://floridacfogroup.com/blog/testimonials/howard-millian-president-millian-aire-enterprises-llc/) - John was an invaluable addition to our company. We were a family-run business and John couldn't have fit in more perfectly. He was brought in to execute a 5-year exit plan for Millian Aire and without his expertise, we would never have achieved such a great outcome. John is an excellent CFO and is exceptional
- [Joe Andrukitas, Writer and Editor](https://floridacfogroup.com/blog/testimonials/joe-andrukitas-writer-and-editor/) - As my Executive VP, I worked under Tim for Years. I've rarely met a more experienced, involved, and effective leader. Highly recommended.
- [Maudie Briggs, CEO](https://floridacfogroup.com/blog/testimonials/maudie-briggs-ceo/) - Tim is one of the nicest people I have ever worked with. He is an expert in the printing industry. He is able to assess the issues and help the team create a plan. He stays in contact as implementation continues and the projects are completed. He has an unusually high capacity for work and
- [- Lee Hamilton, CEO and President, Freedom Scientific](https://floridacfogroup.com/blog/testimonials/lee-hamilton-ceo-and-president-freedom-scientific/) - For ten years, as CEO at Freedom Scientific, Roy reported to me as CFO and General Counsel. He was my second in command, and the best CFO I have had the pleasure to work with. His combination of financial leadership and legal oversight skills was essential for growing a global leader in assistive technology.
- [- John Blake, CEO and President, Vispero Holdings B.V.](https://floridacfogroup.com/blog/testimonials/john-blake-ceo-and-president-vispero-holdings-b-v/) - As CFO and General Counsel at Vispero, Roy was a diligent, dedicated and high performing leader and partner for me as the CEO.
- [- Rebecca Shanahan, CEO, Avella Specialty Pharmacy](https://floridacfogroup.com/blog/testimonials/rebecca-shanahan-ceo-avella-specialty-pharmacy/) - Roy was retained to oversee and ensure a timely and successful closing of a transaction for a $1.4 billion dollar sales healthcare company. He quickly established a good rapport with the management team and led them through the many difficult complex issues that threaten to stop the closing. Due to his broad business background and
- [- Heather Wieder, Vice President, Human Resources, Vispero Group B.V.](https://floridacfogroup.com/blog/testimonials/heather-wieder-vice-president-human-resources-vispero-group-b-v/) - I thoroughly enjoyed my time working with Roy Rafalco. I came to know him as a truly valuable asset to me, the company and his team. He is honest, dependable, and incredibly hard-working. Beyond that, he is an impressive communicator, decision maker, and leader which resulted in a respected Executive of the organization. His knowledge
- [- Timothy O’Reilly, Assistant Controller, Freedom Scientific, Inc.](https://floridacfogroup.com/blog/testimonials/timothy-oreilly-assistant-controller-freedom-scientific-inc/) - I had the great privilege of working for Roy during his tenure at Freedom Scientific. In addition to imparting his mentorship within Finance, Roy taught me how to become a leader in the organization through his own example. His tenacious work ethic and inspirational drive coupled with his profound experience in Finance, Legal, and Accounting
- [- Christine O’Rourke Human Resource Director, Payne Fabrics, Inc.](https://floridacfogroup.com/blog/testimonials/christine-orourke-human-resource-director-payne-fabrics-inc/) - Roy is by far the most professional and creative leader I have ever had the pleasure of working with. His finance and legal acumen coupled with his innovative approach to solving complex challenges routinely generate unique and positive solutions for the organizations he leads. He inspires those on his team to do their best work
- [- Debra Clark, Executive Director at Huntingdon County Business and Industry (HCBI)](https://floridacfogroup.com/blog/testimonials/debra-clark-executive-director-at-huntingdon-county-business-and-industry-hcbi/) - In my 10 plus years of working with CFO's, I've never had a better mentor than Don. His slogan of, "Not your ordinary CFO" rings true and is visible in how he approaches every situation. He is not just a boss, he's a leader! I have learned more in the past year about myself and
- [Construction Company, C-Level Leader](https://floridacfogroup.com/blog/testimonials/construction-company-c-level-leader/) - "We liked Anna's organized approach to keeping our project finance moving forward. Anna quickly learned what was necessary to forecast our project cash flows and coordinate with internal personnel and lenders. She's very results driven."
- [Michael Jenny, Partner at Livingstone – Metals & Manufacturing Investment Banker](https://floridacfogroup.com/blog/testimonials/michael-jenny-partner-at-livingstone-metals-manufacturing-investment-banker/) - John is an excellent CFO with an eye for not only the numbers but also the business and transactional context of the CFO's office. I have known John since early 2006; HSBC Capital (Canada) was Houlihan Lokey’s client in the Reliance Steel transaction, and I worked very closely with John during all stages of the
- [- Chris Marto, Chief Compliance Officer, World Product Solutions](https://floridacfogroup.com/blog/testimonials/chris-marto-chief-compliance-officer-world-product-solutions/) - Jim and I worked together for more than a year at a St. Petersburg-based manufacturer. As part of the Executive and Strategy Team, we reported to the CEO and Board of Directors. During our tenure there, Jim exemplified superior professional competence in all areas of his assigned duties and other roles he stepped up as
- [- Jerry Starkey, Chairman – Integral Health Plan](https://floridacfogroup.com/blog/testimonials/jerry-starkey-chairman-integral-health-plan/) - Jim was diligent, insightful and supportive throughout a process that after several months led to a decision to seek a buyer for the Company. Jim played a 'quarterback' role in the sale process, including building the virtual data room, working closely with the bidders and the ultimate buyer, while providing information to transaction counsel and
- [- Marco Ruiz, COO – US Capital Holdings](https://floridacfogroup.com/blog/testimonials/marco-ruiz-coo-us-capital-holdings/) - Jim is a forward-thinking financial expert. He was an instrumental team member during the rapid growth a small Florida homebuilding company into a major national player in the country. Jim's leadership and integrity make him a great asset to any company, group or team and I would not hesitate to be a part of his
- [- Steve Zenker, Director of Investor Relations – WCI Communities](https://floridacfogroup.com/blog/testimonials/steve-zenker-director-of-investor-relations-wci-communities/) - Jim is a highly-talented professional who is a strong leader and manager. His strengths transcend several different functional areas. As one might expect from a CFO, his analytical abilities are exceptional but what really sets Jim apart are his critical thinking skills and his communication skills. In addition to leading the accounting, IT and investor
- [- Phil Fretwell – Managing Partner, Protiviti](https://floridacfogroup.com/blog/testimonials/phil-fretwell-managing-partner-protiviti/) - Jim has impressed me over the years as a CFO who can be both detailed and strategic. He also has excellent interpersonal skills and is someone with whom I have preferred to work. He is smart, analytical, and thoughtful when presented with ideas. He is very driven and has great presentation skills. The knowledge he
- [- Tom Randle Executive Coach & Strategic Planning](https://floridacfogroup.com/blog/testimonials/tom-randle-executive-coach-strategic-planning/) - Ginger is a detail-oriented person with skills, knowledge and enthusiasm for her profession. She adapted quickly to a different business and made valuable contributions to the organization. She would be on my short list of CFO's.
- [- Jeffrey Carter Senior Vice President, Commercial Lender](https://floridacfogroup.com/blog/testimonials/jeffrey-carter-senior-vice-president-commercial-lender/) - I worked with Ginger for approximately 3 years, where (together with a few other key players) we turned around a struggling bank. Ginger knows her craft (accounting) well and is hard-working, detail-focused, and results-oriented. She understands and balances the importance of gathering meaningful information and including others to make key decisions ... and then has
- [- Mark C. Brown, DVM, CCRP - Owner - Central Animal Hospitals & Tampa Bay K9 Rehabilitation Center](https://floridacfogroup.com/blog/testimonials/mark-c-brown-dvm-ccrp-owner-central-animal-hospitals-tampa-bay-k9-rehabilitation-center/) - I hired Ginger Mentzer as our CFO Consultant and have known and worked with her now for over two years. She has become an integral part of our advisory team and has helped our business in a variety of ways. Working closely with our bookkeeper, she has thoroughly reviewed our financial statements and made necessary
- [- Kevin M. Stein CEO, Dale Holdings Corporation, Inc.](https://floridacfogroup.com/blog/testimonials/kevin-m-stein-ceo-dale-holdings-corporation-inc/) - We hired Ginger in May of 2018 as the CFO for our organization. She quickly established herself as an insightful and resourceful presence on our team. Ginger has spearheaded and brought to completion a number of key projects including renegotiating our credit facilities, establishing accounting and cash flow management procedures, budgeting processes, and aligning our
- [- Stuart Lindeman President & CEO, Mission Health Communities, LLC](https://floridacfogroup.com/blog/testimonials/stuart-lindeman-president-ceo-mission-health-communities-llc/) - I am pleased to say how much Ginger was able to help our organization as we grew from a small regional company based in Tampa to become a leader in Seniors Healthcare. The Managed Division was a key driver in our success, and she was a key leader assisting me through several transitions. I appreciate
- [- Jim Gaynor, Former CEO & President - Lightpath Technologies, Inc.](https://floridacfogroup.com/blog/testimonials/jim-gaynor-former-ceo-president-lightpath-technologies-inc/) - Don is a growth focused person and has the ability to reduce complex situations to easily understandable and communicated issues... He has excellent training skills and works hard to develop his subordinates. Don managed the successful integration of a major acquisition which doubled the size of the company... Don also has significant negotiation skills which
- [- Gabriel De Jesus, Vice President - Foundry Commercial](https://floridacfogroup.com/blog/testimonials/gabriel-de-jesus-vice-president-foundry-commercial/) - Don Retreage is a sensible and professional CFO. In my experience working with Don he focused on practical solutions and has a win-win attitude for all negotiations. I have enjoyed seeing Don work with public companies. He understands board dynamics and is highly focused on strong stakeholder returns.
- [- Tyler Kitzmiller, Commercial Insurance Advisor - Brown & Brown](https://floridacfogroup.com/blog/testimonials/tyler-kitzmiller-commercial-insurance-advisor-brown-brown/) - It's rare that you come across a professional talent like Don. I have had the pleasure of working side by side with him for the better part of two years, collaborating for Lightpath Technologies. Don's attention to detail and ability to effectively communicate with different parties was a major driving factor to what we have
- [- Devin Standard, Global Business Development Leader – Lightpath Technologies, Inc.](https://floridacfogroup.com/blog/testimonials/devin-standard-global-business-development-leader-lightpath-technologies-inc/) - Don is a highly professional CFO and business leader. He uses his business acumen, global experience and people skills to help lead the management team to focus on the important business levers, and then to consider the underlying “why”. Not only is he effective; he is steady and always looking to grow the business. In
- [- Tiger Aster, CEO TORO - Water Air Thermal Technologies](https://floridacfogroup.com/blog/testimonials/tiger-aster-ceo-toro-water-air-thermal-technologies/) - Donald has always led by example in his professional and personal life. With a key focus on operations he has shown extraordinary capability no matter where he has been placed geographically. He is a natural leader and people enjoy working with him. His military background along with his willingness to embrace tough challenges make him
- [John Cardenas, Director of Quality – Lightpath Technologies, Inc.](https://floridacfogroup.com/blog/testimonials/john-cardenas-director-of-quality-lightpath-technologies-inc/) - Donald always conducts himself with a high degree of professionalism and dedication. He is a good listener and takes feedback well. He constantly looks for ways to improve all facets of the Operations and proved to be an invaluable resource to the team and company. Donald has exceptional business insight and sharp analytical skills and
- [- Vincent Olaf, Accounting Manager - WorkXpress](https://floridacfogroup.com/blog/testimonials/vincent-olaf-accounting-manager-workxpress/) - Don is an outstanding CFO who has the experience to get to the root of issues quickly and understand the entire company. I would be happy to work with Don again.
- [- Sam Coyl, President of Netrepid](https://floridacfogroup.com/blog/testimonials/sam-coyl-president-of-netrepid/) - I have worked with Don in several capacities specifically related to corporate finance. He has a strong understanding of both the technical elements of finance as well as the operational impact presented by various financial decisions. His keen grasp of client and vendor relationships is also evident in working with him.
- [- Glenn Lytle, Chief Revenue Officer at Horizon](https://floridacfogroup.com/blog/testimonials/glenn-lytle-chief-revenue-officer-at-horizon/) - Don has been a tremendous asset to the organization. Don brings leadership along with a strong finance and technology management background to any organization that he is associated with and the Technology Council of Central PA benefits from that experience.
- [- Darlene Myers – Independent Controller, CFO, Forensic Accounting, IT Accounting System Development & Installation](https://floridacfogroup.com/blog/testimonials/darlene-myers-independent-controller-cfo-forensic-accounting-it-accounting-system-development-installation/) - Don is a talented finance executive with expertise that extends far beyond numbers. His professionalism, ethics and expertise proved invaluable in helping build a successful company. His ability to make day to day decisions while at all times being focused on the strategic goals of the company is unique. I, personally leaned on Don often-
- [Jake Guglin, CEO of Foundation Alloy Deane served as Fractional CFO of Foundation Alloy, where he implemented equipment lease financing and insurance, guided the setup of the accounting system and financial reporting, and solicited venture debt options.](https://floridacfogroup.com/blog/testimonials/jake-guglin-ceo-of-foundation-alloy-deane-served-as-fractional-cfo-of-foundation-alloy-where-he-implemented-equipment-lease-financing-and-insurance-guided-the-setup-of-the-accounting-system-and-fin/) - "From the outset of our work together, Deane has consistently demonstrated the competency and reliability early-stage companies need from their partners. He quickly gained my trust through effective communication and delivering actionable, clear feedback and results on everything from capital management strategies to financial analysis and more. Further, Deane has time and again taken the
- [Patricia Furda, Customer Service Specialist at Designer Exchange and Designers' Consigner](https://floridacfogroup.com/blog/testimonials/patricia-furda-customer-service-specialist-at-designer-exchange-and-designers-consigner/) - Dan Polen was the CFO at Crown Marketing during my six years with this wonderful organization. I had a great working relationship with Dan. I was able to get assistance from the accounting department whenever I had problems with clients that needed answers ASAP. I would recommend Dan for any position. He did his job
- [- Tom Crook, VP Engineering and Operations, Sprint Corporation.](https://floridacfogroup.com/blog/testimonials/tom-crook-vp-engineering-and-operations-sprint-corporation/) - Todd was a great business partner in providing strategic financial analysis of various technology deployments considered by Sprint. His high financial acumen, direct engagement, willingness to challenge the status quo as well as his big picture view allowed many of these analysis to serve as the basis for approval and tactical execution.
- [- Luc Arsenault, Partner at Moss Adams LLP.](https://floridacfogroup.com/blog/testimonials/luc-arsenault-partner-at-moss-adams-llp/) - I have worked with Todd while he was at Qualcomm. Todd is very talented in managing complex international transactions having many facets to them. Not only Todd is very talented in the M&A space; he's also very pleasant and fun to work with. My observation was also shared by the other team members on these
- [- Ken Yamamoto, SVP Corporate Finance at Scholastic, Inc.](https://floridacfogroup.com/blog/testimonials/ken-yamamoto-svp-corporate-finance-at-scholastic-inc/) - I was Todd's direct manager at Scholastic over the last 8 years. I would recommend Todd without any reservations for an organization looking for a strong financial leader who has experience in business process improvement, finance function transformation and has recruited/developed an excellent team of highly capable professionals reporting to him. In addition, Todd has
- [- Mike White, Senior Vice President - Finance & Business Affairs at Scholastic, Inc.](https://floridacfogroup.com/blog/testimonials/mike-white-senior-vice-president-finance-business-affairs-at-scholastic-inc/) - I had the pleasure of working with Todd for over five years at Scholastic. During this time, I was consistently impressed by his strategic mindset while maintaining a commitment for long term financial growth. Todd led multiple projects involving many areas of the business with both a clear vision and great execution. He is incredibly
- [- Lydia M. Di Liello, CEO & Founder, Capital Pricing Consultants L.L.C.](https://floridacfogroup.com/blog/testimonials/lydia-m-di-liello-ceo-founder-capital-pricing-consultants-l-l-c/) - With a straightforward pragmatic approach, Carl is the CFO to provide clarity and guidance through the fog of numbers and get down to the critical business issues. He has a keen ability to look at the individual components of a business and translate them into a holistic operational business view. He doesn’t let the milieu
- [- Geri Grossman, President and CEO, MY EXECUTIVE COACH](https://floridacfogroup.com/blog/testimonials/geri-grossman-president-and-ceo-my-executive-coach/) - I have been a business associate of Carl Falletta for more than 15 years. Carl is one of the most creative, innovative, analytical, and results oriented leaders in the industry. He has helped hundreds of organizations across the private, public and social sectors design, recommend and support the execution of strategies that result in increased
- [Jim Jimenez, Esq., Jimenez Diaz Law](https://floridacfogroup.com/blog/testimonials/jim-jimenez-esq-jimenez-diaz-law/) - As a 20‐year business and real estate attorney in Central Florida, finding competent, professional and affordable counsel outside the law is not easy. Carl Falletta is a perfect complement to my practice. Super knowledgeable, but practical and direct, perhaps his best quality is that he is ACCESSIBLE! A tremendous problem solver for all things business.
- [- Pedro & Gisselle Lopez, Svelte 30 Nutritional Consultants](https://floridacfogroup.com/blog/testimonials/pedro-gisselle-lopez-svelte-30-nutritional-consultants/) - We recently hired Carl Falletta to assist us with filing for SBA, EIDL, PPP and Osceola County Small Business Grant assistance. We are small business owners, that found we needed a great deal of help with the complex SBA and government application process. I was very impressed with Carl, he is knowledgeable, professional, and prompt
- [- MIke Kobis, Trustee](https://floridacfogroup.com/blog/testimonials/mike-kobis-trustee/) - Your relentless effort and diligence working with us at Bishop Timon high school and the SBA has seen us receive our SBA EIDL Loan today! I would highly recommend Carl to any potential businesses needing help with the SBA.
- [Bill Fries- Chief Executive Officer of Hiregy](https://floridacfogroup.com/blog/testimonials/bill-fries-chief-executive-officer-of-hiregy/) - One of the best decisions we made was to engage Betsy Bennett as our CFO Consultant and EOS Coach. Within a few short months, our business was more focused, our leadership team was more engaged and we made some tough decisions which helped our business not only survive the pandemic but grow through it! Betsy
- [Noel McCormick – President at McCormick Stevenson Corporation](https://floridacfogroup.com/blog/testimonials/noel-mccormick-president-at-mccormick-stevenson-corporation/) - Betsy's contribution to our company has been extraordinary. Under her calm and expert guidance, we've developed a thorough financial model of our enterprise; a model that has changed the way we do business. Building on that success, Betsy helped to spearhead our implementation of the Entrepreneurial Operating System (EOS) – a process through which we
- [Don Barry – President and CEO of Edelbrock Corporation](https://floridacfogroup.com/blog/testimonials/don-barry-president-and-ceo-of-edelbrock-corporation/) - Betsy came to IC Intracom highly recommended by several people and stepped into a difficult position during a financial turnaround. She exceeded all expectations as CFO (later made COO), as she steadfastly worked through capitalization of the company and enactment of cost controls during the turnaround. She meshed well with all team members and was
- [John Foster – Founder Pathfinder Group & Florida Family Business Resource Collaborative](https://floridacfogroup.com/blog/testimonials/john-foster-founder-pathfinder-group-florida-family-business-resource-collaborative/) - In having either hired Betsy or having brought her in to other engagements I have become a strong advocate for the skills she brings to a project. Few financial people are able to translate their language to that of operations and strategy as well as she. This ability amongst others sets Betsy' value quotient to
- [Max Roberts, Former CEO Barnes & Noble Education](https://floridacfogroup.com/blog/testimonials/max-roberts-former-ceo-barnes-noble-education/) - Barry possesses unique skills; not only was he an exceptional CFO with financial, operational, and market communications acumen, but he was also my significant partner in running a two billion-plus company. Barry always delivers results beyond expectations with no project or issue being too large or small. Barry was and remains my trusted advisor.
- [Paul Maloney, President of Oak Hall Cap & Gown Company and Former VP Store Operations, B&N College](https://floridacfogroup.com/blog/testimonials/paul-maloney-president-of-oak-hall-cap-gown-company-and-former-vp-store-operations-bn-college/) - Barry Brover has been a colleague of mine for over 30 years. When Barry joined Barnes & Noble College, we were a very small private company with annual revenues of approximately $100 million, by the time Barry left we were a public company with over $2 billion in revenues. From his CFO position and eventually,
- [Joel Friedman, Founder and Owner, JSF Solutions and Former Vice President General Merchandising, Barnes & Noble College Booksellers](https://floridacfogroup.com/blog/testimonials/joel-friedman-founder-and-owner-jsf-solutions-and-former-vice-president-general-merchandising-barnes-noble-college-booksellers/) - Barry is one of the most thoughtful, easily approachable, and astute senior managers that I have ever worked with. His openness, candor, and direct honesty was a model that I used for my own leadership qualities. Never judgmental, but always able to use great judgment helped Barry in his critical CFO role where we worked
- [JoAnn Magill, Former SVP Human Resources, Barnes & Noble College Booksellers](https://floridacfogroup.com/blog/testimonials/joann-magill-former-svp-human-resources-barnes-noble-college-booksellers/) - Barry was always my go-to person for everything finance-related. He is a true partner with Human Resources, taking the time to provide guidance and support. His knowledge, tenacity, and humor are one of a kind!
- [Brian Stark, Chief Operating Officer, Barnes & Noble College Booksellers](https://floridacfogroup.com/blog/testimonials/brian-stark-chief-operating-officer-barnes-noble-college-booksellers/) - Barry Brover and I collaborated for more than 20 years. Brover's strengths include his keen attention to detail and his ability to provide unique perspectives, both of which contributed to the enhancement of profits. Moreover, he was known for being easy to understand and work with, fostering effective communication and a productive working relationship.
- [Bill Grueninger—CEO, The SSL Store](https://floridacfogroup.com/blog/testimonials/bill-grueninger-ceo-the-ssl-store/) - I’ve been lucky enough to have had the pleasure of working with Bill for about 2 years now. First off, from the moment he stepped foot into our organization, we became a better, stronger and more financially sound business. His years of experience and business acumen is what allowed him to immediately add value and
- [Laresa Tapia MBA, CEO / Inventor, Polyblox Inc.](https://floridacfogroup.com/blog/testimonials/laresa-tapia-mba-ceo-inventor-polyblox-inc/) - Phil’s contributions to Polyblox were immediate, and the momentum hasn’t slowed. At Polyblox, we call it the "Phil-factor” -his incredible ability to garner respect and engagement. He is a man worthy of your trust, who will exceed all expectations and share your dream to make the world a better place.
- [Dawn O’Connor, Owner, Daytona Elevator](https://floridacfogroup.com/blog/testimonials/dawn-oconnor-owner-daytona-elevator/) - Phil is sharp, patient, non-intimidating and fun to work with. His brilliance is underscored by the absence of arrogance and presence of modesty. I feel blessed to have the opportunity to grow my business through his guidance and be audit-ready.
- [Commercial and Residential Architectural Company, Owner](https://floridacfogroup.com/blog/testimonials/commercial-and-residential-architectural-company-owner/) - "Anna's CFO services are more than just looking at the financial aspect of the business. Her services included procedural development and implementation."
- [Medical Practice, Owner](https://floridacfogroup.com/blog/testimonials/medical-practice-owner/) - "Anna provided CFO leadership in selecting a new ownership structure for our medical practice, establishing bank relationships, and identifying funding sources."
- [Rental Business, Owner](https://floridacfogroup.com/blog/testimonials/rental-business-owner/) - "With Anna's CFO services, we feel really on top of our finances, cash flow projections, and customer scorecard."
- [Business Services Company, Owner](https://floridacfogroup.com/blog/testimonials/business-services-company-owner/) - "Anna determined a 'fair value purchase price' for our target acquisition and built a relationship of trust with the Seller."
- [Retail Chain Stores, Owner](https://floridacfogroup.com/blog/testimonials/retail-chain-stores-owner/) - "Anna guided us through the bank lending process. She negotiated better terms than we could have and we learned a lot. Anna is well organized, sets goals, and is clear and specific about what steps need to be taken to achieve our objectives."
- [Architectural Firm, Owner](https://floridacfogroup.com/blog/testimonials/architectural-firm-owner/) - "Managing multiple facets of the company, providing guidance on streamlining processes and best practices, and providing personal attention and genuine concern, are areas that stand out about Anna's CFO services. She got management aligned on reporting rhythms, introduced new HR procedures, created more Standard Operating Procedures (SOPs), and gave team members more clarity on processes."
- [Engineering Firm, Owner](https://floridacfogroup.com/blog/testimonials/engineering-firm-owner/) - "Anna's thorough and complete CFO services resulted in specific and tangible action steps."
- [Recycling Company, Owner](https://floridacfogroup.com/blog/testimonials/recycling-company-owner/) - "Anna's CFO services resulted in our having a much better understanding of our new cash flow model and net available cash position. We now have KPIs and metrics in place."
- [Food Manufacturing Company, Owner](https://floridacfogroup.com/blog/testimonials/food-manufacturing-company-owner/) - "Anna makes financial concepts easy to understand and clearly communicates and explains financial topics. She quickly understood our business."
- [Equipment Distributor Company, Owner](https://floridacfogroup.com/blog/testimonials/equipment-distributor-company-owner/) - "Meeting with future banking relationships, evaluating future business opportunities - patents, and knowing our needs and addressing them are areas that stand out about Anna's CFO services."
- [Waste Management and Recycling Company, Owner](https://floridacfogroup.com/blog/testimonials/waste-management-and-recycling-company-owner/) - "Anna has head knowledge AND practical experience knowledge AND the ability to focus on the right goals and methods to achieve them."
- [Distribution Company, Owner](https://floridacfogroup.com/blog/testimonials/annas-cfo-services-exceeded-our-expectations-we-like-the-professional-advice-provided-with-the-personal-touches/) - "Anna's CFO services exceeded our expectations. We like the professional advice provided with the personal touches."
- [What is Lorem Ipsum?](https://floridacfogroup.com/blog/testimonials/what-is-lorem-ipsum/) - Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into
- [Why do we use it?](https://floridacfogroup.com/blog/testimonials/why-do-we-use-it/) - It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using 'Content here, content here', making it look like readable English. Many

## Videos

- [CFO Coffee Talk S5 E5 The Human Edge in the Age of AI](https://floridacfogroup.com/blog/videos/cfo-coffee-talk-s4e18-the-ai-enabled-cfo/) - "The Human Edge — adaptability, resilience, agility, and engagement — is what allows entrepreneurs and CFOs alike to turn constant change into sustained performance in the Age of AI. " This quote comes from our guest on CFO Coffee Talk - Anastasia Montejano. Anastasia is a Global Change Strategist, Keynote Speaker and an Award Winning
- [CFO Coffee Talk S2 E20 -- Winning the Workers Comp Battle](https://floridacfogroup.com/blog/videos/cfo-coffee-talk-s2-e20-winning-the-workers-comp-battle/) - In 2024, Florida businesses will pay an average of 15.1% less in workers comp premiums, but the potential impact is much greater. Workers comp expert Duke Mills will share his insights on this with two experienced CFOs. - Marylean Abney and Phil Nahajewski. -- on our Season 2 finale of CFO Coffee Talk.
- [Why the Best CFOs Can't Retire & Why That's Great News for Business Owners](https://floridacfogroup.com/blog/videos/why-the-best-cfos-cant-retire-why-thats-great-news-for-business-owners/)
- [We welcome Tim Journy to the Florida CFO Group](https://floridacfogroup.com/blog/videos/we-welcome-tim-journy-to-the-florida-cfo-group/) - Meet one of our newer partners, Timothy Journy.
- [Maximize the value of your business by developing a strong employer brand](https://floridacfogroup.com/blog/videos/maximize-the-value-of-your-business-by-developing-a-strong-employer-brand/) - 🔥 🚀 Here's another insightful tip about maximizing the value of your business from our panel of experts. Clare PEACE, Vensure Employer Solutions, talks about developing a 💪 strong employer brand and what that means: 😃 Positive culture 🗣 Taking action (not just talk) ✍ Including great benefit plans 🤑 Having competitive wages 👩‍🏫 Implementing
- [Funding Strategies Conference 2022, Opportunity Funding - Finding The Right Type of Funding](https://floridacfogroup.com/blog/videos/funding-strategies-conference-2022-opportunity-funding-finding-the-right-type-of-funding/) - Opportunity Funding - Finding The Right Type of Funding Moderated by Paul Stamoulis, Sr. Consultant, One Stop Capital Featuring: Seth Block - Founder, Board Member, & EVP, ThermoCredit LLC. Don Noble – Partner, Florida CFO Group Spencer Sheinin – Founder & CEO, Shift Financial Insights
- [The Power of Working Capital: How to Obtain Money and Manage It](https://floridacfogroup.com/blog/videos/the-power-of-working-capital-how-to-obtain-money-and-manage-it/) - The Power of Working Capital: How to Obtain Money and Manage It Moderated by: Don Noble – Partner, Florida CFO Group Featuring: Seth Block - Founder, Board Member, & EVP, ThermoCredit LLC. Darren Palestine – Managing Partner, Commercial Finance Partners Aaron Jarrett– Principal, Ovation Partners
- [2024: The Year of M&A](https://floridacfogroup.com/blog/videos/2024-the-year-of-ma/) - Moderator Don Noble, Florida CFO Group Panelists Craig Stacy, Sunbelt Business Advisors Derek Gietzen, Verve Jeannie Yoder, Live Oak Bank Paul Stamoulis, One Stop Capital
- [Jim Dietz-2](https://floridacfogroup.com/blog/videos/jim-dietz-2/)
- [Jim Dietz](https://floridacfogroup.com/blog/videos/jim-dietz/)
- [Ginger Mentzer-2](https://floridacfogroup.com/blog/videos/ginger-mentzer-2/)
- [Ginger Mentzer](https://floridacfogroup.com/blog/videos/ginger-mentzer/)
- [Betsy Bennett](https://floridacfogroup.com/blog/videos/betsy-bennett/)
- [Phil Nahajewski 4](https://floridacfogroup.com/blog/videos/phil-nahajewski-4/)
- [Phil Nahajewski 3](https://floridacfogroup.com/blog/videos/phil-nahajewski-3/)
- [Phil Nahajewski-2](https://floridacfogroup.com/blog/videos/phil-nahajewski-2/)
- [Phil Nahajewski](https://floridacfogroup.com/blog/videos/phil-nahajewski/)

## Partners

- [Grant Fincham](https://floridacfogroup.com/partners/grant-fincham/) - I am a CFO and business leader assisting growing and complex businesses stabilize, strengthen and scale with confidence. I am known for bringing clarity to business owners, which is achieved though my unique experience gained in holding diverse responsibilities as CFO, CEO, Shareholder and Entrepreneur, Trader / Risk Manager and COO. This gives me a
- [Cory Douglas](https://floridacfogroup.com/partners/cory-douglas/) - As a Strategic CFO and trusted partner with more than 30 years of executive leadership experience, I work alongside founders, CEOs, boards, and investors to strengthen financial performance, improve operational execution, and position organizations for sustainable growth.
- [Jay White (Partner Emeritus)](https://floridacfogroup.com/partners/jay-white/) - Access to capital and successful acquisitions are critical to growth companies
- [Joe Price (Partner Emeritus)](https://floridacfogroup.com/partners/joe-price/) - Goal-oriented and bottom line-focused, I’m a proven financial executive with a wide range of experiences in leadership roles with public, private and private-equity backed organizations. I’m a big-picture thinker, but a hands-on manager who pays attention to detail. Plan, execute, measure, communicate and adjust. I enjoy a team-oriented, collaborative approach, but hold myself and others
- [Wayne Kalish](https://floridacfogroup.com/partners/wayne-kalish/) - Wayne Kalish: Business advisor for small and mid-sized businesses, specializing in organizational growth, M&A, and financial consulting.
- [Phil Nahajewski](https://floridacfogroup.com/partners/phil-nahajewski/) - Owners of established businesses and startups benefit from experienced financial leadership to develop strategies, plans, processes and the human factors that drive successful performance.
- [Steve Szirmai](https://floridacfogroup.com/partners/steve-szirmai/) - I’m a strategic finance executive with experience building multiple business units from the ground up and guiding them through to maturity. I’ve led business transformations, navigated complex M&A transactions, and introduced greater financial and operational excellence and transparency across organizations. My expertise spans strategic management, operations, international business development, business analytics, and financial modeling.
- [Bill Gilmour](https://floridacfogroup.com/partners/bill-gilmour/) - Companies often find their growth potential stalled when they lack the foundation and infrastructure to scale their business. I help these companies get moving again by applying my expertise.
- [Michael Shepardson](https://floridacfogroup.com/partners/michael-shepardson/) - I have had a lifelong career in Corporate Finance. Whether an assignment involves solving financial challenges, the sale of a company, or developing strategic opportunities, I am in my element.
- [Harold Hale (Partner Emeritus)](https://floridacfogroup.com/partners/harold-hale/) - Maintaining a consistent cash flow to meet strategic objectives challenge startup and growth business. I work with clients to solve this and other financial challenges by helping them focus on the basics: awareness, accurate reporting and forecasting, debt management, customer profitability and controlling expenditures.
- [Robert J. Maslanski, Jr.](https://floridacfogroup.com/partners/robert-maslanski/) - I specialize in partnering with small- to midsized businesses, aligning business strategy with financial strategy to ensure scalability and a solid financial infrastructure. With a focus on growth strategy, cash management, core driver analysis with accompanying analytics, and various system implementations, businesses I partner with enjoy optimized performance and positioning for their company's overall success,
- [Diana Doty](https://floridacfogroup.com/partners/diana-doty/) - I bring my varied background in the financial disciplines, along with a strong sense of curiosity, to the table. I also bring the “pixie dusting” I received at my first job in the Contemporary Hotel in Walt Disney World. Practically speaking, success will require more than just pixie dust, and having a strong financial partner
- [Andrew Kirk](https://floridacfogroup.com/partners/andrew-kirk/) - Andrew Kirk provides owners and investors with collaborative solutions to complex business challenges. Expertise in operations, finance, and strategic planning.
- [Ginger Mentzer](https://floridacfogroup.com/partners/ginger-mentzer/) - Small businesses need financial leadership to stay on course with strategic objectives while successfully navigating day-to-day operational demands. Effective strategic planning, sound financial reporting systems, and effective operational policies and procedures are keys to this success.
- [Marylean Abney](https://floridacfogroup.com/partners/marylean-abney/) - I’m a result-driven executive focused on quick decisive actions. I’ve worked as CFO for multi-billion-dollar public companies as well as small to medium size startups. My accomplishments are many and CEO’s have sought me out to help them solve large and small problems from profit and margin improvement, to growing the company to deployment of
- [Steven Weldon](https://floridacfogroup.com/partners/steven-weldon/) - I am a strategic advisor and fractional CFO who helps small—to medium-sized businesses achieve financial clarity and sustainable growth. With a background in private equity, public companies, and venture capital, I’ve developed a proven track record of turning challenges into opportunities. Whether navigating a complex turnaround, preparing for an IPO, or optimizing cash flow and
- [Brent Elliott](https://floridacfogroup.com/partners/brent-elliott/) - Brent Elliott is strategic financial executive with 20+ years of expertise in businesses through innovation, collaboration, and sustainable growth strategies.
- [John Cruickshank](https://floridacfogroup.com/partners/john-cruickshank/) - I enjoy advising and supporting small- and medium-sized privately owned companies ($20M to $500M) to help them achieve their financial and operational strategic objectives in a structured and profitable manner, whether they are in the early stages, steady state, preparing to expand, or seeking an exit. Although operating at the executive level, I take a
- [Betsy Bennett](https://floridacfogroup.com/partners/betsy-bennett/) - I have a passion for helping entrepreneurial companies get it right. I have combined a decade of Big Four public accounting experience and a decade as the CFO of a rapidly growing corporation with two decades of serving entrepreneurial companies as a consulting strategist, CFO and COO to deliver the appropriate scale of big-company processes
- [Todd Wegner](https://floridacfogroup.com/partners/todd-wegner/) - My focus is to help you develop a deep understanding of the financial structure of your business and gain key insights into the levers that enable growth and stakeholder value.
- [Dale West](https://floridacfogroup.com/partners/dale-west/) - I am a chief financial officer and chief operating officer with over 25 years of experience leading entrepreneurial organizations. I am an innovative thinker with wide-ranging experience in operations, accounting, finance, and business development.
- [Barry B. Katz](https://floridacfogroup.com/partners/barry-b-katz/) - My wealth of experience serves as a powerful asset in my commitment to enhancing shareholder value. Having been mentored by exceptional entrepreneurs and seasoned C-Suite executives throughout my career, I am uniquely positioned to provide my clients with a suite of services meticulously designed to drive sustainable profitability across their operations. From strategic financial planning
- [Jim Dietz](https://floridacfogroup.com/partners/jim-dietz/) - Financial executive with 30 years of experience, specializing in CFO roles, CPA-certified. Expert in guiding SMBs to achieve financial success and growth.
- [Tim Fischer](https://floridacfogroup.com/partners/tim-fischer/) - I'm an entrepreneur and a knowledgeable CFO with experience in helping small business owners solve their complex and ambiguous business problems and ultimately helping them to find the best and most profitable path forward.
- [Ernest J. Scheidemann, Jr.](https://floridacfogroup.com/partners/ernest-j-scheidemann-jr/) - I provide clients with collaborative solutions to complex business challenges incorporating a balance of both qualitative and quantitative inputs to target optimal strategic outcomes. I’m a focused, mature, steady hand in all types of business situations, bringing thoughtful, pragmatic, rational, and constructive input to critical strategic decisions of entrepreneurs, CEOs and Board of Director teams.
- [Timothy L. Journy](https://floridacfogroup.com/partners/timothy-l-journy/) - I am a high energy financial professional with the ability to help organizations to achieve established goals. I have expertise across a wide breadth of industries including public company reporting, private entities and turnaround situations.
- [Joanne H. Dempster](https://floridacfogroup.com/partners/joanne-h-dempster/) - I enjoy working with small to medium sized companies that are experiencing growing pains. Assisting entrepreneurs to improve their cash conversion cycles, improve inventory quality, and maximize supply chain efficiencies are just some of the ways I can help.
- [Donna Mackenzie](https://floridacfogroup.com/partners/donna-mackenzie/) - Strategic, passionate, entrepreneurial and respected leader focused on navigating companies during periods of high-growth and change bringing my financial, business, technical and operational expertise to drive solutions and take advantage of opportunities and challenges.
- [Donald O. Retreage, Jr.](https://floridacfogroup.com/partners/donald-o-retreage-jr/) - Visionary finance executive and trusted advisor to C-suite and boards, leveraging corporate finance and operations background to drive growth-focused strategies and turnarounds. Transformational servant leader building and coaching cross-functional & cross-cultural teams to deliver business outcomes exceeding stakeholder expectations.
- [Bill Blaskiewicz](https://floridacfogroup.com/partners/bill-blaskiewicz/) - I find that small and mid-size companies have the same issues that large organizations face. They need to better understand their information and utilize that data to address the everyday demands of sales, customer service and production. I partner with business owners and their management teams to streamline their financial processes, improve controls and better
- [Deane Baron](https://floridacfogroup.com/partners/deane-baron/) - With proven success working with small- and medium-sized domestic and global businesses in the U.S., Canada, and Mexico, I focus on delivering results and promoting accountability toward business goals and financial metrics. My broad industry background includes technology, software, and manufacturing. I collaborate with teams, drive profitable growth, and accelerate cash flows.
- [Dan Polen (Partner Emeritus)](https://floridacfogroup.com/partners/dan-polen-partner-emeritus/) - B2B manufacturing and service organizations frequently find a lack of systems and processes and poor cash management to be impediments to their growth and profitability.
- [Carl Falletta (Partner Emeritus)](https://floridacfogroup.com/partners/carl-falletta-partner-emeritus/) - I help owners grow their business, improve sales and operations to maximize profits and accomplish their business and personal goals. I have worked with business owners all over the country to develop, design, and implement creative solutions for growth and maximized profits in an ever-evolving environment allowing them to quickly pivot from struggling to thriving.

## Case Studies

- [Case Study: From Cash-Basis Uncertainty to M&A-Ready Financial Infrastructure](https://floridacfogroup.com/case-studies/case-study-from-cash-basis-uncertainty-to-ma-ready-financial-infrastructure/)
- [Case Study: When Opportunity Strikes-Strategic CFO Manages Major Expansion](https://floridacfogroup.com/case-studies/case-study-when-opportunity-strikes-strategic-cfo-manages-major-expansion/)
- [Case Study: CFO Boosts Cash Flow by 35% Through AR Overhaul in the Medical Industry](https://floridacfogroup.com/case-studies/case-study-cfo-boosts-cash-flow-by-35-through-ar-overhaul-in-the-medical-industry/)
- [Sale Offer Doubled for Vet Practice After Working with CFO](https://floridacfogroup.com/case-studies/sale-offer-doubled/)
- [Translating Operating Losses into Transformative Gains](https://floridacfogroup.com/case-studies/translating-operating-losses-into-transformative-gains/)
- [Prospect Introduction Program drives Enterprise Value](https://floridacfogroup.com/case-studies/prospect-introduction-program-drives-enterprise-value/)
- [CFO Product Cost Analysis Leads to Improved Pricing, Product Rationalization, and Increased Overall Profitability](https://floridacfogroup.com/case-studies/cfo-product-cost-analysis-leads-to-improved-pricing-product-rationalization-and-increased-overall-profitability/) - By: Bill Gilmour
- [High Growth Company Lacks Capital and Expertise Needed to Execute Exit Strategy](https://floridacfogroup.com/case-studies/high-growth-company-lacks-capital-and-expertise-needed-to-execute-exit-strategy/) - By: Harold Hale
- [Portfolio Company Brings on Interim CFO to Reorganize Department and Hire New CFO](https://floridacfogroup.com/case-studies/portfolio-company-brings-in-interim-cfo-to-reorganize-department-and-hire-new-cfo/) - By: Betsy Bennett
- [Executing a Family Business Turnaround Strategy](https://floridacfogroup.com/case-studies/executing-a-family-business-turnaround-strategy/) - By: Jim Dietz
- [Interim CFO Helps Company Prepare for Controller’s Exit](https://floridacfogroup.com/case-studies/interim-cfo-helps-company-prepare-for-controllers-exit/) - By: Ginger Mentzer
- [Fractional CFO Positions Company to Enter Wholesale and Manufacturing](https://floridacfogroup.com/case-studies/fractional-cfo-positions-company-to-enter-wholesale-and-manufacturing/) - By: Phil Nahajewski
- [Restructuring a Business Plan to Facilitate Continued Growth](https://floridacfogroup.com/case-studies/restructuring-a-business-plan-to-facilitate-continued-growth/) - By: Carl Faletta
- [Part-Time Strategic CFO Helps Company Recover from External Fraud](https://floridacfogroup.com/case-studies/part-time-strategic-cfo-helps-company-recover-from-external-fraud/) - By: Jim Dietz
- [Privately Held Company Struggles with Exit Strategies](https://floridacfogroup.com/case-studies/privately-held-company-struggles-with-exit-strategies/) - By: Betsy Bennett
- [Six-Figure Savings When Urged to Implement Cyber Security Strategies](https://floridacfogroup.com/case-studies/company-sees-six-figure-savings-when-urged-to-implement-cyber-security-strategies/) - By: John Cruickshank
- [CFO Helps Achieve Strategic 8-Figure Offer on Exit](https://floridacfogroup.com/case-studies/strategic-8-figure-offer-on-exit/) - By: Phil Nahajewski
- [Multi-Millions in Savings When Crippling Health Insurance Cost Increase Addressed](https://floridacfogroup.com/case-studies/multi-millions-in-savings-when-crippling-health-insurance-cost-increase-addressed/) - By: Dale West
- [Strategic CFO Leadership Instills Confidence with Budgeting Prior to 8-Figure Financing Raise](https://floridacfogroup.com/case-studies/strategic-cfo-leadership-instills-confidence-with-analyses-during-8-figure-financing-raise/) - By: Deane Baron
- [CFO Stabilizes Organization's $2M Negative Working Capital to 76% Revenue Growth](https://floridacfogroup.com/case-studies/cfo-stabilizes-organizations-2m-negative-working-capital-to-76-revenue-growth/) - By: Roy Rafalco

## Categories

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