Independent / Small Business Owners

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Quote of the Month:
“People first, then money, then things.”
– Suze Orman, personal finance expert and author (1951 - )

Nick Katko, CPA, and his wife Deanna, CPA, own Strategic Financial Solutions. For the last 10 years they have worked with individuals and businesses on financial matters. Nick also operates a site called FitFinancials.com. On this site there’s a self-assessment of 10 questions to see how financially fit you are.

Quote of the Month:
“Necessity never made a good bargain.”
—Benjamin Franklin, American statesman (1706-1790)

Larry Myers is an attorney and business coach. As an attorney he deals with the Three Cs: cash flow, conflicts, compliance. He created a cash flow spreadsheet for us.

Input your monthly expenses and the payments you are expecting, inserting rows as necessary. “The ending balance is not as important as other figures,” said Larry. “Cash available is the most important line.”

Quote of the Month:
“If all economists were laid end to end, they would not reach a conclusion.”
—George Bernard Shaw, Irish playwright (1856-1950)

Ralph Weickel, owner of Performance Management, is an executive coach who works with companies to strengthen their financial performance and employee development. Before becoming a small-business owner in 1998 he climbed the corporate ladder in the banking world.