Assets equal Liabilities plus Owners Equity. Debits equal credits. Sales minus cost of goods sold equals gross margin. Have I lost you yet? One of the reasons people dread the idea of doing financial projections is that they don’t like accounting. No, wait. They REALLLY don’t like accounting. They think that accounting is so esoteric and so complicated that they couldn’t possibly understand it -- like nuclear physics or the theory of relativity. When I was a CFO, I tried to explain financial statem... [continue reading]

As an experienced entrepreneur (or BizOwner) and college entrepreneurship instructor, I have answered questions from over a thousand students looking for advice on how to start a business. A few months ago, a student in one of my classes raised his hand and asked, “Okay, Bob, you’ve given us lots of great advice and feedback, but if you could boil it down, what is the single best piece of advice you can offer about starting a business?” I remember saying something about keeping focused on customers, b... [continue reading]


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Five stars

"I signed up to gain some insights on expanding my current small business. With the resources they provided, the Proof Plan and ProjectionSmart, it has been considerably easier for me to write a business plan since I'm simply answering 21 questions. Thank you, Roger and Bob!"
~ Kristen, Small Business Owner

Five stars

"As someone with little business experience, ProjectionSmart took the fear out of creating a business plan. It helped make the numbers easy to understand and surprisingly fun!"
~ Elizabeth, entrepreneur

Five stars

"Roger and staff are wonderful to work with! Such a great planning tool for small businesses!"
~ Sam, Entrepreneur