I offer three general types of services:
✔ Financial Health Assessment
✔ Monthly Retainer
✔ One Time Projects
Financial Health Assessment
✔ Diagnostic review of your business.
✔ Review of your monthly financials for the past 2 years looking at trends.
✔ Calculate and compare business ratios for your company to similar companies in your industry including:
✔ Liquidity
✔ Profitability
✔ Cash Flow
✔ Efficiency
✔ Debt and Solvency
✔ Growth Metrics
✔ Expense Ratios
✔ Operational Ratios (for manufacturing)
✔ Create a 13 week Cash Flow Forecast with expected inflows and outflows.
✔ Create a dynamic budget for the next 12 months, including capital expenditures (CapEx), that allows updates as your business environment changes.
✔ Complete a risk assessment and identify opportunities that will minimize risk and increase profitability.
✔ Create a 13 week action plan with measurable targets and suggested personnel responsible for achieving these targets.
Monthly Retainer
After the Financial Health Assessment is completed you may feel that your company has the guidance needed to implement the required changes. However, you may feel that your company needs more time and help. I offer a Monthly Retainer that provides continuing monthly services that include:
✔ Review of the financial statements (trend analysis).
✔ Income Statement
✔ Balance Sheet
✔ Cash Flow Statement (update the forecast)
✔ Review the budget.
✔ Compare actual results to budget
✔ Explain large variances.
✔ Update the budget.
✔ Review financial ratios.
✔ Include any Key Performance Indicators (KPIs).
✔ Compare to industry standards.
✔ Assess risks and opportunities.
✔ Provide recommendations.
✔ Update the action plan.
The Monthly Retainer is on a month-to-month basis, no long term contract, and you can cancel at any time.
One Time Projects
Maybe your company is profitable with good cash flow and you don't need a full financial assessment or monthly services, but you know you have weak spots in your business and your not sure what is going on or what to do about it. You want to get ahead of the problem before you see profits drop and cash flow become strained. I offer One-Time Projects that solve a specific area of your business. Each of these services are offered separately or may be combined. They include:
1. Financial Review
✔ Review financials, budgets, cash flow, key ratios, liquidity, risks, opportunities, make recommendations and create an action plan.
2. Cash Flow Forecast
✔ Build a 13 week cash flow forecast of all inflows (sales, etc.) and outflows (payroll, accounts payable, etc.) to calculate net cash flow to identify any potential cash shortages.
3. Cash Flow Management
✔ Build a cash flow forecast, improve collection processes, manage the working capital and create a cash reserve if possible.
4. Key Performance Indicators Dashboard (KPIs)
✔ Build a KPI dashboard that includes the most important financial and operational metrics, looking at trends, comparing results to benchmarks and making recommendations.
5. Pricing and Margin Analysis
✔ Calculate direct, indirect, fixed and variable costs of products or services, calculate gross and net margins and identify any opportunities to cut costs before raising prices or increasing sales.
6. Forecast Model
✔ Create a dynamic financial model that projects future financial performance based upon historical data, business drivers and strategic assumptions.
7. Breakeven Model
✔ Review financials to identify direct, indirect, fixed and variable costs to measure performance at different production or sales levels to determine breakeven point.
8. Job Costing
✔ Develop a method of tracking actual costs and profitability of specific service jobs or projects identifying direct materials, labor, equipment and overhead allocation to calculate total job costs and determine the profitability of each job.
9. Budget Creation
✔ Use historical data to create a dynamic budget which allows for changeable variables that change as the business environment changes. Build in variance analysis of actual vs. budgeted numbers and include capital expenditures (CapEx).
10. Inventory Analysis
✔ Review inventory counting process and timing, inventory turnover, purchasing processes and lead times, product demand, obsolete inventory, scrap rates and yields. Identify opportunities to make inventory more efficient to reduce costs and increase cash flow.
11. Expense Review
✔ Review historical trend of expenses over the past 2 years to the current period analyzing the expenses percentage of revenue to identify areas of attention and possible cost savings.
12. Internal Controls
✔ Review internal controls using a Risk Control Matrix to identify processes that need improvement to reduce risk and increase efficiency to improve operational and financial performance.
JMJ CFO Services, LLC.
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