I am a certified public accountant and certified financial
planner to more than one thousand individuals and small
businesses. The genesis of this book began when a struggling client came to my office seeking advice. The clients business was growing; however, he had difficulty in making ends meet, particularly at payroll time. In sheer desperation he asked, What am I doing wrong? For months I analyzed his business, his expenses, processes, labor rates, and industry comparative data. I even sought advice from a rich client in the same industry, with a similar level of gross revenues and whose business shared comparable demographics. Together we could find nothing that stood out, no glaring deficiency.