Tag: Planning

Bay Area College Planners #certified #college #planning #specialist

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Gerna Benz is a College Planning Specialist who has helped hundreds of families maximize their eligibility for financial aid. Gerna has lectured all over the country from colleges, community centers, and churches spreading the word that no child shall be left behind due to financial or academic limitation.

Gerna has acheived the designation of CCPS Certified College Planning Specialist through The National Institute of Certified College Planners.

Gerna is a certified college planning specialist that belongs to multiple college planning associations nationwide, he has been in the finance industry for more than 20 years. Gerna is nationally recognized as an expert on college planning. More

The California San Francisco Bay Area College Consultants and College Planning Specialists Network specialize in guiding families to access free money for college bound students without destroying their parents nest egg. We will also help families implement a funding plan to help pay for their share of the college expense.

Through the implementation of Insider Strategies , families have drastically reduced education costs and in many cases, eliminated the need for student and parent loans.

When it comes to paying for college, our expert San Francisco Bay Area College Consultants have eased the pain and made a college education an affordable for families across the country. A San Francisco Bay Area College Planning Specialists Certified Advisor has the expertise to help you develop the best plan possible and make reliable financial choices for your family.

There are some good financial advisors and CPA s around the country. However, most have not been trained in the specialty of college financial planning and are therefore limited in the assistance they can provide. Bay Area College Planners Certified Advisers will deliver the highest caliber of knowledge and service.

The Bay Area College Planners Specialists consult families on how to choose the right college program and afford ably pay for it. Our programs keep both parents and students informed about the latest college financial aid and admissions news by implementing creative and ethical planning solutions to maximize all untapped financial aid resources. Our specialty, as college financial aid consultants, is in getting the information parents and students need and the results your looking to achieve and deserve.

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Planning Courses, Degrees & Courses, La Trobe University #planning, #society, #council, #local #council, #government,

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Planning

You can also get updates on our courses and upcoming events via email.

Why study Planning?

If you care about the neighbourhood you live in, the time it takes to get to work, or just the fact that water from your tap is drinkable, then you care about planning. Planning gives you the opportunity to change the way we live for the better by studying our local environments, cities, geography and community priorities.

Australia is currently experiencing a shortage of qualified planners, and graduates enjoy excellent starting salaries and work prospects. Our graduates work in local and state government, private firms, research organisations and regional authorities.

Accreditation

La Trobe designs its courses with your future career in mind and partners with a range of professional organisations for accreditation and registration. Refer to the detail for each course below to see what professional registration and membership options exist. The Bachelor of Urban, Rural and Environmental Planning received the 2012 award for ‘Cutting Edge Teaching and Research’ based on our extensive fieldwork and international study tour program.

Sri Lankan study tour

Our students have opportunities to gain global experience on international field trips. In 2014, La Trobe students visited Sri Lanka, where in they worked alongside local students to conduct an urban design studio in southern province of Weligama. Students investigated the changing nature of the small town in response to its connection with the new Southern Expressway and the construction of a large international hotel at the small surfing beach.

Students also conducted a case study at Midigama Turkish Village a tsunami re-settlement village funded by the Turkish Government and Colombo, where they gained a deeper understanding of the city’s colonial architecture and modern forms. Read more about the trip at the International Planning Studio blog .

Sri Lanka 2014





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Retirement Planner #retirement #software, #retirement #spreadsheet, #excel #retirement, #retirement #planner, #retirement #planning #software, #simple

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The Retirement Calculator and Planner for Excel:

Retirement Savings Spreadsheet
Select from four Excel solvers:
1. Retirement funds longevity
2. Are you saving enough?
3. Allowable retirement spending
4. When can you retire?
View enlarged Excel spreadsheet

Asset Allocation Spreadsheet
Set pre-retirement and your post-retirement asset allocation.
Use investment options we provide or customize your own investment options and returns.
View enlarged Excel spreadsheet

Income/Spending Spreadsheet
Enter retirement income by source (Social security, pension, etc.). Adjust for inflation if desired.
Calculates expected retirement spending based on your inputs.
View enlarged Excel spreadsheet

Cash Flow Spreadsheet
See all the income, investment return and expenditures by year.
Make manual one time adjustments by year for precision retirement planning.
View enlarged Excel spreadsheet

Why use our Excel Retirement Calculator Spreadsheet?


No Monthly Fees!

We offer our Excel Retirement Calculator & Planner for a one time payment of $15.95 – we do not charge monthly fees

Your Personal Information is Secure

Many retirement planning software sites store your information online. What if you’d rather not enter your personal financial information over the web? With our Excel retirement planner spreadsheet, your personal information stays on your computer, not the web.

Powered by MS Excel Spreadsheets

You will appreciate what our Excel based Retirement software can do. Because our retirement calculator is an Excel spreadsheet, there is no additional software to set up. just download the spreadsheet and go! Click here for our Retirement Calculator demo download .

Free Support


Excel Retirement Calculator Features

The Retirement Calculator & Planner determines:

How long your retirement funds will last
If you’re saving enough today
Calculates necessary annual contribution adjustments (+/-)
How much you can afford to spend during retirement
How soon you can retire (based on annual contributions, investment return, etc.)
How much you can spend during retirement
How inflation affects your retirement
How much you will need to save
How much you will spend during retirement
Which variables are the most sensitive
Level of Income tax during retirement
If your retirement goals are realistic

The Retirement Calculator & Planner variables:

Current Age (yourself & spouse)
Desired Retirement Age (yourself & spouse)
Life Expectancy
Pre-Retirement Asset Allocation
Post-Retirement Asset Allocation
Current retirement contributions/savings (401k, IRA’s, Other Investments)
Inflation
Retirement Spending
Retirement Income (Social security, Pensions, Retirement Income Tax)

Access your planner from anywhere

Want to access your planner from another computer? Google Cloud Connect is a free tool that lets you (with a click of a button) store your retirement calculator spreadsheet online so you can access it from anywhere.

Mac Compatible

– Works with all versions of Excel for Macintosh.
– No alternate Macintosh version or additional downloads necessary.

Works on iPhone and iPad





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Take a hike: Ending client relationships – Journal of Accountancy #client #engagement #letter #financial

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Take a hike: Ending client relationships

Consider this scenario: A key deadline is nearing, and the client is just now returning your calls and emails. But instead of responding to the open issues, the client indicates there is no real problem and irately demands that services be completed immediately. It is clearly time to end this client relationship.

Many accountants confess to daydreams of uttering Take a hike! to a less – than – ideal client. While it may seem like a good idea in the moment, such phrasing is not the most desirable way to terminate a client relationship. However, the process of telling a client to take a hike provides a useful analogy to guide a more professional, less risky end to contentious and cooperative client relationships alike. Treat a client termination as if it were a hike through uncharted lands.

STEP 1: PREPARE FOR THE JOURNEY

Most journeys take expert planning and attention to detail. A client termination requires similar efforts. It is important to remember that both good and bad client relationships may need to end unexpectedly. No signpost indicates when a client relationship takes a wrong turn. The following are tools that may be useful in preparing for an unforeseen client termination:

  • Termination provisions: Including a clear termination provision in an engagement letter, indicating an engagement can be terminated without completion for any reason, can provide significant latitude, if termination becomes necessary. By including such a provision, the CPA firm may reduce the likelihood of a client asserting that the firm cannot withdraw from the engagement.
  • Deadline communication: Clients that are chronically noncompliant with terms of the engagement may need a gentle reminder of their responsibilities in the form of a written communication. Deadlines should be communicated in an engagement letter. A separate stand – alone letter or email may be appropriate if there are concerns about a client’s ability to meet the identified timing. A properly timed communication could even prevent the need for a client termination.
  • Ideal client profile: CPA firms should establish an ideal client profile and regularly evaluate the existing client base against the profile to identify clients that are no longer a fit for the firm. This protocol helps identify potential problem clients before the relationship becomes tenuous.

STEP 2: BE AWARE OF THE DANGERS

Any journey will have its own set of pitfalls and obstacles. The same can be said of client relationships. Though no maps, GPS, or satellite imagery guide a termination, awareness can help CPAs through the dangers of a contentious client relationship. It can be easy to overlook negative indicators, especially if the fees are substantial, the relationship is long – standing. or new clients are hard to find. Even more difficult to overcome are strong interpersonal connections between the engagement team and the client. Recognizing a bias toward retaining a client and being mindful of already serious or mounting issues can be the difference between exiting a client relationship unharmed or falling into a conflict. Common indictors may include:

  • Concerns regarding client integrity.
  • Fee or service complaints.
  • Disputes within the client organization.
  • Untimely or incomplete responses to requests.
  • Negative responses to constructive suggestions.
  • Poor attitude toward internal controls.
  • High accounting or management turnover.
  • Dismissive treatment of engagement team members.
  • Disrespectful treatment of client employees.

While counterintuitive, a client’s rapid success or expansion also could be an indicator that the relationship may need to be reevaluated. The client’s successes may require services and expertise that are beyond the CPA firm’s capabilities. However a proactive plan may prevent the CPA from making unintended errors that could result in professional liability claims, if services were to continue.

STEP 3: MAP OUT YOUR PATH

Whether the end of a client relationship is ambiguous or obvious, a client termination is not complete until it is formalized in a written communication to the client. Guidance on drafting the letter is as follows:

  • Omit the reason for the termination: A termination letter is not the time to win an argument with a client. The letter simply represents a method to inform the client that you are no longer providing services and identify the client’s responsibilities going forward. Explaining why the firm is ending services may only upset the client further or create a problem that previously did not exist.
  • Items for clientfollowup: After parting ways, your client will need to be pointed in the right direction to complete its journey. The letter should clearly map out the client’s responsibilities going forward and issues that should be raised with a successor CPA. Matters of particular importance to include are deadlines (statutory, regulatory, or operational), internal control weaknesses or breakdowns, and indicators of potential fraud or violations of laws and regulations. If deadlines are missed or a theft occurs and the CPA had not informed the client of those in writing, the client may blame the CPA firm.
  • Fees: At times, clients assert that CPAs knew they did not provide proper services because they do not request outstanding fees. As a result, whether or not you expect to collect unpaid fees, a termination letter should state the outstanding balance of fees due. A final billing statement may resolve any confusion and could be included as an enclosure with the termination letter.
  • Send a hard copy: Advances in technology have made most interpersonal communications nearly instantaneous. Yet, the professionalism and permanence of an actual mailed letter cannot be ignored. Unless there is a looming deadline or other rare situation, a hard copy of the termination letter should always be sent by a method that will confirm receipt by the client. Further, the letter should be sent via a traceable method to demonstrate delivery and receipt.

STEP 4: FINISH THE JOURNEY

The client termination process is no walk in the park. It involves a commitment of will, time, and professionalism. It is not an easy choice or one that should be made on a whim. Once started, the process should be seen through to completion. The following tips will assist in managing this process:

  • Evaluate your mindset: While it is important to assess the client’s actions in making a termination decision, it is equally important to assess your own mentality once the decision to terminate has been made. The goal of a termination is to lessen or avoid a conflict with a client. Failing to maintain a professional attitude throughout the termination could elicit a client response that results in unnecessary stress, reputational damage, or even a professional liability claim.
  • Stick to the path: Once your services have been officially terminated, do not continue to provide services or reengage with the client for additional services. Allowing a client to talk you into providing services is akin to traversing a bridge that you already know to be perilous. It may seem as though you are performing just one more task before concluding the engagement, but continuing to provide services lessens the likelihood that the client will ever accept that the relationship has ended. Just remember, when the relationship terminates, it is a final decision.

Continental Casualty Co. one of the CNA insurance companies, is the underwriter of the AICPA Professional Liability Insurance Program. Aon Insurance Services, the National Program Administrator for the AICPA Professional Liability Program, is available at 800-221-3023 or visit cpai.com .

This article provides information, rather than advice or opinion. It is accurate to the best of the authors’ knowledge as of the article date. This article should not be viewed as a substitute for recommendations of a retained professional. Such consultation is recommended in applying this material in any particular factual situations.

Examples are for illustrative purposes only and not intended to establish any standards of care, serve as legal advice, or acknowledge any given factual situation is covered under any CNA insurance policy. The relevant insurance policy provides actual terms, coverages, amounts, conditions, and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice.





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Personal Finance Advice – Personal Financial Management – Personal Finance Articles, free financial planning.#Free

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Personal Finance

Free financial planning

AmEx will allow certain large credit card purchases to be paid via installments. It’s not necessarily a money-saver for consumers, but it’s catering to how millennials like to pay for things, according to Amex.

6:00 p.m. Today 6:00 p.m. Aug. 29, 2017

Free financial planning

He set out to raise $200,000 and is now aiming for $4 million.

5:24 p.m. Today 5:24 p.m. Aug. 29, 2017

Free financial planning

There are many things you can do to help without sending cash.

4:44 p.m. Today 4:44 p.m. Aug. 29, 2017

Tuesday’s top personal finance stories

4:35 p.m. Today 4:35 p.m. Aug. 29, 2017

Free financial planning

Some people are more worried about their date’s digits than others.

4:29 p.m. Today 4:29 p.m. Aug. 29, 2017

Free financial planning

An estimated 421 people may be killed and another 48,400 may be seriously injured in nationwide car crashes during the upcoming Labor Day weekend, the highest estimate by the National Safety Council since 2008.

3:42 p.m. Today 3:42 p.m. Aug. 29, 2017

Free financial planning

Young Americans spend $2,300 per year more on a wide range of items.

3:41 p.m. Today 3:41 p.m. Aug. 29, 2017

Free financial planning

If she keeps winning, how long until she is once again the highest paid female athlete in the world?

12:14 p.m. Today 12:14 p.m. Aug. 29, 2017

Free financial planning

With Black Friday just around the corner, holding off on certain purchases could be a smart move.

10:45 a.m. Today 10:45 a.m. Aug. 29, 2017

Free financial planning

Save tax money while getting an education to earn more money.

9:37 a.m. Today 9:37 a.m. Aug. 29, 2017

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How to sell your business: Planning the exit strategy – Small Business #free #business

#selling your business

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How to sell your business: Planning the exit strategy

How small and medium businesses can take on flexible working

Some 57 per cent of employees say the availability of flexible working in their workplace is important to them, according to Sage data. This guide to Sage 200 Online shows why more and more businesses are turning to the cloud.

Controlling Cash Flow – Learn to master your money

Find out how five small businesses met the challenges of raising finance, from drawing up a business plan to securing investment. Complete with expert guides and tips to help you through the process.

The Vitesse Network

Further Information

Vitesse Media Plc, 14 Bonhill Street, London EC2A 4BX T. 0207 250 7010

2016 Vitesse Media Plc

2016 Vitesse Media Plc





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Disaster Recovery, Business Continuity – Disaster Recovery Planning #disaster #recovery #planning #software

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Business Continuity Disaster Recovery Planning

Disasters, unpredictable by nature, can strike anywhere at anytime with little or no warning. Recovering from one can be stressful, expensive and time consuming, particularly for those who have not taken the time to think ahead and prepare for such possibilities. However, when disaster strikes, those who have prepared and made recovery plans survive with comparatively minimal loss and/or disruption of productivity.

Disasters can take several different forms. Some primarily impact individuals — e.g. hard drive meltdowns — while others have a larger, collective impact. Disasters can occur such as power outages, floods, fires, storms, equipment failure, sabotage, terrorism, or even epidemic illness. Each of these can at the very least cause short-term disruptions in normal business operation. But recovering from the impact of many of the aforementioned disasters can take much longer, especially if organizations have not made preparations in advance.

Most of us recognize that these potential problems as possibilities. Unfortunately the randomness of some of these disasters lulls some organizations into a sense of false security- that’s not likely to happen here. However, if proper preparations have been made, the disaster recovery process does not have to be exceedingly stressful. Instead the process can be streamlined, but this facilitation of recovery will only happen where preparations have been made. Organizations that take the time to implement disaster recovery plans ahead of time often ride out catastrophes with minimal or no loss of data, hardware, or business revenue. This in turn allows them to maintain the faith and confidence of their customers and investors.

Disaster Recovery Planning is the factor that makes the critical difference between the organizations that can successfully manage crises with minimal cost and effort and maximum speed, and those that are left picking up the pieces for untold lengths of time and at whatever cost providers decide to charge; organizations forced to make decision out of desperation.

Detailed disaster recovery plans can prevent many of the heartaches and headaches experienced by an organization in times of disaster. By having practiced plans, not only for equipment and network recovery, but also plans that precisely outline what steps each person involved in recovery efforts should undertake, an organization can improve their recovery time and minimize the time that their normal business functions are disrupted. Thus it is vitally important that disaster recovery plans be carefully laid out and regularly updated. Organizations need to put systems in place to regularly train their network engineers and mangers. Special attention should also be paid to training any new employees who will have a critical role in the disaster recovery process.

There are several options available for organizations to use once they decide to begin creating their disaster recovery plan. The first and often most accessible source a business can drawn on would be to have any experienced managers within the organization draw on the knowledge and experience they have to help craft a plan that will fit the recovery needs specific to their unique organization. For organizations that do not have this type of expertise in house, there are a number of outside options that can be called on, such as trained consultants and specially designed software.

One of the most common practices used by responsible organizations is a disaster recovery plan template. While templates might not cover every need specific to every organization, they are a great place from which to start one’s preparation. Templates help make the preparation process simpler and more straightforward. They provide guidance and can even reveal aspects of disaster recovery that might otherwise be forgotten.

The primary goal of any disaster recovery plan is to help the organization maintain its business continuity, minimize damage, and prevent loss. Thus the most important question to ask when evaluating your disaster recovery plan is, Will my plan work? The best way to ensure reliability of one’s plan is to practice it regularly. Have the appropriate people actually practice what they would do to help recover business function should a disaster occur. Also regular reviews and updates of recovery plans should be scheduled. Some organizations find it helpful to do this on a monthly basis so that the plan stays current and reflects the needs an organization has today, and not just the data, software, etc. it had six months ago.

Business Continuity

Not many years ago when a business wanted to find the ways to prepare itself against disaster and ensure business continuity should catastrophe strike, the bulk of the organization’s time, money, and effort would be spent on ways that disasters could (hopefully) be avoided altogether. Often the outcome of an organization’s search for ways to protect their most critical business applications (in order to shore up their business continuity if disaster hit), was that they found they could potentially avoid harm through the use of redundant data lines. As news of this information spread, it did not take long before the words disaster and recovery were replaced by continuity and resumption.

While a small percentage of corporate entities were still dedicated to disaster recovery as one way of maintaining business continuity, the bulk of the focus was placed on disaster avoidance. Over the last several years however, that paradigm has shifted and a new kind of disaster preparation has replaced that type of thinking. Avoidance is a great idea in theory, but cannot always be reproduced in real life.

The horrific events of 9/11 brought into sharp focus the short comings and inadequacies of the idea of avoidance plans as preparation. The urgent need to regain business continuity after the disaster, and the inability of many businesses to be able to gain access to their normal critical business functions were a wakeup call for corporations everywhere to reevaluate the plans they had previously put in place to mitigate such events. 9/11 made many organizations realize the vast inadequacy of their current plans as they saw the heavy price paid by many organizations for their unwitting vulnerability. Attempting to avoid disaster was a good place to start, but now organizations realized that they must prepare for unavoidable circumstances as well.

Connectivity / WAN Redundancy

One of the most common areas of vulnerability for organizations when a disaster strikes is the loss of their WAN connectivity. Earthquakes, floods, and acts of war can certainly disrupt the use of an organization’s data lines. But loss of WAN connectivity can happen even without a major catastrophe. Much simpler threats such as the accidental cutting of data lines or equipment failure can have the same devastating net result on connectivity. Whether the cause is a construction mishap from the new building next door, or the effects of a far more serious event like a flood, fire, or terrorist attack, if an organization loses their connectivity their business continuity is often lost as well, and they are functionally in a state of disaster.

The loss of WAN connectivity can have serious consequences for an organization’s daily business activities. Emails, financial transactions, ERP/CRM systems, order placement and processing, are just a few of the critical operations affected by WAN connectivity. If connectivity is lost these activities can be severely slowed or halted altogether until data lines can be recovered. Thus, having a functioning WAN system is critical for productive business operation and should be an integral part of any disaster recovery plan.

There are several methods available for organizations who want to ensure a high availability of WAN connectivity as part of their disaster recovery plan. The earliest techniques used to back up data lines were complex and cumbersome. They used multiple data lines that were connected to a programmable router. Complex programming allowed data to be passed over multiple connections which helped reduce vulnerability to a single line and helped protect against backbone failure. This technique, though far from streamlined, was better than no back-up system at all and did help maintain at least some business continuity.

Since that time the technology has evolved and a more elegant technique is available. This new technique involves the use of intelligent devices that can handle multiple data lines of different speeds from multiple providers simultaneously. These devices, called Router Clustering Devices, intelligently detect if a line, component or service is failing and then proceed to switch the flow of data to other available and working lines. These advancements provide better protection for an organization’s data flow. They reduce the potential mess of disaster recovery and in turn increase business continuity when disasters do happen without the complexity and awkwardness of the old system.





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Business planning – Canada Business Network #cottage #industry #ideas

#business plans

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Business planning

Find out how to write a business plan and access templates, sample business plans, market research information and statistics.

A business plan is a valuable tool for every business owner, whether you are starting up, have been in business for years, or are ready to grow.

Know what elements are considered essential in any business plan and the key points that should be included in each section of your plan.

Find sample business plans, free templates, writing guides and interactive tools to help you develop a professional business plan.

Find the answers to questions often asked about preparing a business plan.

Is your business ready to handle emergencies? Find out how to prepare and implement a business continuity plan.

Find the right strategy for selling your business or handing it over to someone else.

Learn more about market research, how to conduct it, and where to find free information and statistics to support your market research project.

Are you ready to start a business to further your non-profit organization’s mission or generate income to support its sustainability? Find resources to help you manage and grow.

Date modified: 2016-05-05

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Newlyweds – JK Financial Planning JK Financial Planning #financial #planning #for #newlyweds

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Newlyweds

Guidance for Newlyweds

Nothing shapes one’s future as much as marriage. While the wedding may last a single day, there are months of planning beforehand and a long future of shared interests after. That’s where JK Financial Planning can help every marriage get off on the right foot, no matter your age or financial situation.

Perfect for the just-married or the about-to-be-married, each is available for just $400 and can even be given as a gift. Click the Buy Now box below to purchase a Newlywed Package today.

Package 1: Talking about Finances

This option helps open the dialogue about near-term financial goals (1-5 years). We also discuss household budgeting, home buying and building an investment portfolio.

Package 2: Saving for the Future

Designed for couples who are successfully managing their debt and are looking for a wealth-building plan, we cover subjects such as mid-term financial goals (1-10 years), cash flow analysis and portfolio analysis, as well as any necessary investing advice.

Package 3: Building and Preserving Wealth

For couples who have retired their consumer debt and have amassed significant savings, we take a look at long-term financial goals (1-30 years), conduct an investment strategy review and cover the important subject of estate planning.

Buy a Gift Certificate

Click below to purchase any of the Newlywed packages listed above for yourself or someone special to you today. Enter the name of the recipient in the box for a customized gift certificate. All Newlywed packages are $400.

Jeff Kostis, President

Certified and experienced, Jeff shares his insight to help educate each client.

  • CERTIFIED DIVORCE FINANCIAL ANALYST™, 2011
  • CERTIFIED FINANCIAL PLANNER™, 2008
  • CPA/PFS, 2008; CPA, 1995
  • Master’s degree in Accounting, University of Texas, 1993
  • Graduate of Bradley University, 1991




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How to sell your business: Planning the exit strategy – Small Business #harvard #business

#selling your business

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How to sell your business: Planning the exit strategy

How small and medium businesses can take on flexible working

Some 57 per cent of employees say the availability of flexible working in their workplace is important to them, according to Sage data. This guide to Sage 200 Online shows why more and more businesses are turning to the cloud.

Controlling Cash Flow – Learn to master your money

Find out how five small businesses met the challenges of raising finance, from drawing up a business plan to securing investment. Complete with expert guides and tips to help you through the process.

The Vitesse Network

Further Information

Vitesse Media Plc, 14 Bonhill Street, London EC2A 4BX T. 0207 250 7010

2016 Vitesse Media Plc

2016 Vitesse Media Plc





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