How to Prevent Small Business Failure

Failure in business

According to the Small Business Administration, roughly 20% of small businesses fail during the first year of operation. That’s a surprisingly low number considering the commonly held belief that most businesses fail within the first year. Longer term, half of small businesses survive for five years, and only one third […]

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Is Top Line Revenue Growth How You Measure Your Wealth Program?

Man working on laptop computer

Historically financial services firms have had a top line revenue focus, ranking their producing personnel based on revenues. Using a revenue ranking methodology, high performing producers may be eligible for President Club trips, payout grid enhancements, and other benefits. While sales and revenue are not unimportant tools in measuring the […]

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How to Position Your Business for Significant Growth

Finances and budgeting, businessman stacking coins

Most small business owners follow a proven path of success by managing everything in their business. Specifically, they manage sales, marketing, business operations, human resources, and oversee the accounting and finance departments. Why? To keep costs down and maintain control over the business. Eventually, the business employs 15 to 30 […]

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Owner-Driven vs. Systems-Driven Business

CFO typing on computer

This month we’re going to discuss what it means to be an Owner-Driven business, how and why it occurs and the relative merits and challenges. We’ll then look at what it means to be Systems-Driven and compare and contrast. Owner-Driven When a business launches, the owner will work the most hours, […]

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How to Calculate What Your Business is Worth

Man working on laptop computer

What do owners typically think their business is worth? Most privately held business owner’s view their business value as a multiple of cash flow, EBITDA (Earnings Before Interest, Taxes, Depreciation and Amortization) or multiple of Benefit to Owner. Business owners typically hear multiples in the range of 3 to 7 […]

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The Mystery of Inflation in Argentina

The Argentinean flag

A couple of weeks ago, I traveled to Argentina – where I was born – to visit family and friends. Everybody I talked to in Buenos Aires was concerned that prices were going up from food to utilities to household goods. Inflation is around 50% per year, which is bad […]

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The Importance of Strategic Planning

chess board game concept for competition and strategy

Successful business owners, executives and managers realize the importance of strategic planning. They know that an organization’s process of defining its direction, and making decisions on allocating time, talent, effort and finances to follow this approach is key to its ongoing growth. But what they may not have considered is how an outsider can […]

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The Importance of Travel Retail

Happy friends shopping and traveling during summer

After working for a Japanese bank in New York for more than five years, I was sent to Miami to focus on the Travel Retail industry, more commonly known as duty free shops. The Travel Retail or Duty Free Retail industry sells goods to international travelers. Travel retail sales are exempt from […]

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If You Want to Lead, You Must Serve


Many successful leaders throughout history have applied the philosophy, “To lead, you must serve.” At Nperspective, our CFOs are leaders who understand and live this principle by serving businesses and their strategic advisors. Businesses Nperspective CFOs serve businesses of all sizes and in all stages of their life cycles. Often […]

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