Category Archives: Consulting

(image: Virtual Meeting Online), Get Ready for the Post-COVID-19 Business Reality, by Rolf Neuweiler A2ZCFO illustrates Digital Transformation Post COVID-19

Get Ready for the Post-COVID-19 Business Reality

 Accounting Brand Budgeting Business Management Cash flow Consulting Financial forecast Financing Leadership Legal Marketing Profit Strategies

By Rolf Neuweiler 03-28-2021

Digital Transformation Post COVID-19 in the business world will see continued changes in digital transformation, DTC, platform model, brand building and digital marketing. Get Ready for the Post-COVID-19 Business Reality As more and more people are getting vaccinated in the US, and offices are starting to reopen beginning of this summer in 2021, it is […]

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Revenue - profit = expense: Use “Profit First” Principles for Businesses during COVID19 and After. Rolf Neuweiler, consulting CFO, principal at www.a2zCFO.com

Revenue – Profit = Expense: Use “Profit First” Principles for Businesses During COVID19 and After

 Accounting Budgeting Business Management Cash flow CFO Consulting Financial forecast Financial Statements Profit

By Rolf Neuweiler 10-01-2020

This article is based on the book “Profit First”, by Mike Michalowicz, and a presentation by Gabriel Dutari about applying the Profit First principles (https://www.youtube.com/watch?v=a1XzaaJBmRQ&feature=youtu.be) About 99% new businesses are started not by financial experts, but by specialists or technicians such as engineers, architects, lawyers, chefs, artists, who are very good at what they do, […]

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CAC, LTV, & LTV ratios measure recurring revenue business models' scalability, consulting CFO for small businesses. Rolf Neuweiler, A2ZCFO. (image: signing)

Customer Lifetime Value (CLV) and CLV to CAC Ratio – Part 2 of 2

 Accounting Business Management Consulting Financial forecast Marketing Startups Strategies

By Rolf Neuweiler 03-29-2020

In Part 1, we discussed CAC (customer acquisition cost), how to use it and its limitations. In Part 2 here, we will explain about CLV and CLV to CAC ratio. CLV – Customer Lifetime Value CLV (sometimes referred to as LTV) represents the total amount of revenue a business gets from a customer over the […]

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Blog about revenue, gross, operating and net profits and profit margins by Rolf Neuweiler, consulting CFO. Rolf Neuweiler, A2ZCFO (image: reviewing profits)

Revenue and Profit Margins

 Accounting Business Management Cash flow CFO Consulting Financial forecast Financial Statements Profit margin

By Rolf Neuweiler 09-30-2019

In our last blog, we talked about EBITDA and EBITDA margin, and stated that it is better to use both GAAP metrics and EBITDA to determine an organization’s financial health. Under the guidelines of GAAP (generally accepted accounting principles) requirements for corporate accounting, a profit margin is calculated using one of the three principles: gross […]

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EBITDA & DEBITDA Margin measure profitability of a business & determine operating efficiency & direct cash flow. Rolf Neuweiler, A2ZCFO (image: calculator)

EBITDA

 Accounting Business Management Cash flow CFO Consulting Financial forecast Financial Statements Profit margin Strategies

By Rolf Neuweiler 09-01-2019

What is EBITDA? EBITDA is the abbreviation for “Earnings Before Interest, Taxes, Depreciation and Amortization.”  It is a measure of overall profitability of a business. How are EBITDA and EBITA margin calculated? EBITA = earnings before interest, taxes, depreciation, and amortization. EBITDA margin = EBITDA divided by total revenue.  EBITDA and EBITDA margin help determine […]

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Retirement age maximizes benefits. Rules for taking out spouse’s benefit, divorced & widowed, & claiming benefits. Rolf Neuweiler A2ZCFO(image: social security)

Tips for social security claims benefits

 Accounting Budgeting Consulting Financing Social Security Strategies

By Rolf Neuweiler 06-28-2019

Wait until full retirement age will maximize benefits amount The general rule of thumb is that if you postpone taking social security benefits until after your full retirement age, you will receive a higher monthly benefit.  But after reaching full retirement age, there is no more gain from delaying claims. Remember, the earliest a person […]

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Spotting IRS impersonators can protect personal & employee information related to tax return filings., Rolf Neuweiler, A2ZCFO (image: impersonator stealing)

IRS Impersonators and Scams Related to Tax Returns

 Accounting Business Management Consulting Fraud prevention Taxes

By Rolf Neuweiler 03-21-2019

Many people reported that they have received IRS impersonators’ calls, and sadly some fell victims of various scam schemes after being intimidated into paying a fabricated tax bill. Thousands of people have lost millions of dollars and their personal information to tax scams. Scammers use the regular mail, telephone, or email to set up individuals, […]

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Good bookkeeping & accounting practices help avoid financial and management pitfalls for a growing small business, Rolf Neuweiler, A2ZCFO (image: money pitfall)

Part 2 of 2: FINANCIAL & MANAGEMENT PITFALLS FOR A GROWING SMALL BUSINESS

 Brand Budgeting Business Management CFO Consulting Financial forecast Insurance Legal Strategies Taxes

By Rolf Neuweiler 02-21-2019

In January 2019, I talked about financial and management pitfalls for growing small businesses at a professional networking group meeting. Last month in Part 1 of the two parts, we first focused on potential pitfalls related to lacking strategic goals and skills. Here in Part 2 I am listing some pitfalls related to leadership, internal […]

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Good bookkeeping & accounting practices help avoid financial and management pitfalls for a growing small business, Rolf Neuweiler, A2ZCFO (image: money pitfall)

Financial and Management Pitfalls for a Growing Small Business – Part 1 of 2

 Accounting Budgeting Business Management Cash flow CFO Consulting Debt & Loan Management Financial forecast Financial Statements Financing Line of credit Loans Profit margin Strategies Taxes

By Rolf Neuweiler 01-29-2019

Part 1 of 2: PITFALLS FOR A GROWING SMALL BUSINESS In January 2019, I talked about financial and management pitfalls for growing small businesses at a professional networking group meeting. Here in Part 1 of the two parts, we first focus on each potential pitfall related to lacking strategic goals and skills. In Part 2 […]

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Cash flow can be mitigated with finance solutions, lines of credit, & non-financing improvement of management systems. Rolf Neuweiler, A2ZCFO (image:chalkboard)

Cash Flow Problems and Solutions for Startups and Small Businesses (3rd of 3 parts)

 Accounting Budgeting Business Management Cash flow CFO Consulting Debt & Loan Management Financial forecast Financing Line of credit Loans Profit margin Strategies

By Rolf Neuweiler 10-27-2018

This is the last of three parts about cash flow problems and solutions for small businesses. In Parts 1 and Part 2, we discussed seven preventive strategies for all businesses: 1.) Get accounting books organized. 2.) Use a cash-flow budget. 3.) Get customers to pay quickly. 4.) Rein-in unnecessary spending and stay alert to potential […]

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Cash flow can be mitigated with finance solutions, lines of credit, & non-financing improvement of management systems. Rolf Neuweiler, A2ZCFO (image:chalkboard)

Cash Flow Problems and Solutions for Startups and Small Businesses (2nd of 3 parts)

 Accounting Budgeting Business Management Cash flow CFO Consulting Debt & Loan Management Financial forecast Profit margin Strategies

By Rolf Neuweiler 10-02-2018

This is the second of three blogs about cash flow problems and solutions, particularly relevant to startups, and also for small businesses. In Part 1, we discussed the first three of seven preventive strategies for all businesses: 1.) Get accounting books organized. 2.) Use a cash-flow budget. 3.) Get customers to pay quickly. Here in […]

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Cash flow can be mitigated with finance solutions, lines of credit, & non-financing improvement of management systems. Rolf Neuweiler, A2ZCFO (image:chalkboard)

Cash Flow Problems and Solutions for Startups and Small Businesses (1st of 3 parts)

 Accounting Budgeting Business Management Cash flow CFO Consulting Financial forecast Profit margin Strategies

By Rolf Neuweiler 09-02-2018

This is the first of three blogs about cash flow problems and solutions for small businesses. Cash flow management is key for a small business to succeed About 82 percent of startups and small businesses fail due to poor cash flow management. Businesses experience cash flow problems when they cannot timely pay employee salaries and/or […]

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Personal finance budgeting is a healthy habit to establish credit & achieve financial accountable. Rolf Neuweiler A2ZCFO (image: financial accounting goals)

Personal financial budgeting

 Accounting Budgeting Consulting Credit history Financial Statements Strategies Taxes Uncategorized

By Rolf Neuweiler 06-06-2018

We all have heard these:  “Money doesn’t grow on trees.”  “Save money for a rainy day.” “Failing to plan is planning to fail.” However, about ⅔ of Americans do not budget. Many live paycheck to paycheck. Financial stress often spills into relationships and family life.   Budgeting is about intentional spending and mindful living. Budgeting […]

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Budgeting for businesses & non profit organizations include capital, cash flow, & operating budgets. Rolf Neuweiler A2ZCFO (image: budgeting tools, calculator)

Three Types of Budgeting for Businesses

 Accounting Budgeting Business Management CFO Consulting Financial Statements Strategies

By Rolf Neuweiler 04-26-2018

Failing to plan is planning to fail, that is why budgeting can help a business achieve financial success, predict profitability, provide a model for performance, formulate plans and strategies, and forecast income and expenditures. Planning and Forecasting A budget provides insight into a company’s financial position for the near future.  A budget is a tool […]

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In tax reform bill from Congress, what business meals are and are not deductible for a tax deduction? Rolf Neuweiler A2ZCFO (image: business lunch)

New Tax Law – Are “Meals” and “Entertainment” Still Deductible?

 Accounting Business Management CFO Consulting Financial Statements Strategies Taxes Uncategorized

By Rolf Neuweiler 03-05-2018

In the tax reform bill Congress approved last December, entertainment, amusement, or recreation or any expenses with respect to such a facility do not qualify for a tax deduction. Where does this leave “meals”? I have received many questions asking if meals are still deductible. Companies’ Holiday Parties: 100% Deductible Employee Only / Holiday Parties […]

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Rolf Neuweiler A2ZCFO offers financial projection, budgeting, cash flow, accounting, bookkeeping for CEOs, small businesses as an outsourced CFO (image: hands)

CFOs & CPAs Work in Synergy to Optimize Tax Strategies and Savings

 Accounting Business Management CFO Consulting Strategies Taxes Uncategorized

By Rolf Neuweiler 10-27-2017

Maximizing tax savings for a company and its owner requires teamwork between both its CFO and CPA, each contributing different perspectives, skills, and functions. However, many business owners believe that they do not need a Chief Financial Officer (CFO) when they have a tax CPA. There is good reason for this confusion as some CFOs […]

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There are preparation & precautions for accounting system conversions, but each is unique to your organization. Rolf Neuweiler A2ZCFO (image: accounting loop)

How to Convert Accounting Systems Successfully – Steps, Precautions, and Preparation

 Accounting Business Management CFO Consulting Uncategorized

By Rolf Neuweiler 09-30-2017

As with all business systems, accounting software and systems become outdated and inappropriate for a company’s growing needs.  There is always a great deal of excitement and anxiety when implementing a new accounting package.  Throughout my career I have been involved with many system conversions.  Time and time again these conversions often seem to be […]

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a2z CFO

Birth of A2ZCFO

 Consulting Debt & Loan Management

By Rolf Neuweiler 05-26-2017

Announcing the birth of a2z CFO! With great pride, delight, and gratitude, I am introducing you to a2z CFO, a consulting CFO firm serving small to medium sized businesses, family offices, and non-profit organizations. I am Rolf Neuweiler, founder and principal consultant. With 30 years of financial experience, including Chief Financial Officer and Controller responsibilities, […]

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