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Stay ahead in business and finance with expert insights, practical strategies, and data-driven analysis. Covering market trends, financial planning, SaaS growth tactics, and smart investment moves—helping entrepreneurs and professionals make informed decisions faster, smarter, and more profitably

Lease or Buy the Equipment? I’d Like to See the Numbers Before We Sign Anything.

1 Comment/by Sarah Schlott

Should your business lease or buy equipment? Compare total costs, present value, financing, cash flow, and risk with a practical worked example.

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Your Business Might Be Sitting on More Cash Than You Think. Let’s Find It.

1 Comment/by Sarah Schlott

Learn how to calculate the cash conversion cycle, understand DIO, DSO, and DPO, and find opportunities to release working capital with a practical example.

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Your Monthly Management Report Is Beautiful. Does Anyone Actually Do Anything With It?

1 Comment/by Sarah Schlott

Learn how to turn monthly management reports into decisions with a practical financial example, action-item framework, and reporting improvements.

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https://sarahgschlott.com/wp-content/uploads/2026/10/Business-team-reviewing-charts-at-a-meeting-—-Yan-Krukau-Pexels-scaled.jpg 1707 2560 Sarah Schlott https://sarahgschlott.com/wp-content/uploads/2026/08/icon-10c-two-blob-light_clearspace-300x300.png Sarah Schlott2026-10-08 15:13:282026-10-08 15:14:29Your Monthly Management Report Is Beautiful. Does Anyone Actually Do Anything With It?

Should You Outsource the Work or Keep It In-House? Let’s Do the Math.

1 Comment/by Sarah Schlott

Should you outsource or do the work in-house? Learn make-or-buy analysis with a realistic example, break-even formula, and decision framework.

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Your Biggest Customer Is 30% of Revenue. How Much Risk Is That, Really?

1 Comment/by Sarah Schlott

Is one customer too much of your revenue? Learn to calculate customer concentration risk and stress-test its impact on profit and cash flow.

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When Should I Hire a Controller? Look for the Ownership Gap

1 Comment/by Sarah Schlott

When should you hire a controller? I’d look past revenue thresholds and ask whether someone clearly owns the close, balance sheet, accounting judgment, and reporting quality.

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Can My Business Afford Another Employee? Model the Gap Before You Hire

1 Comment/by Sarah Schlott

Can my business afford another employee? I’d model the gap between the first paycheck and the point where the hire’s benefit actually reaches cash.

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Latest Posts

  • Galderma’s $1.5 Billion Skincare Deal. Somebody Please Show Me the Synergy Spreadsheet.
  • Lonza Wants Higher Margins From Maturing Investments. I’d Like to Meet the Payback Schedule.
  • Rio Tinto Targets $5 Billion in Capital Release. I’d Start With the Cash We Already Own.
  • Workday Wants AI Agents to Do the Finance Work. Wonderful. Who Signs Off When They’re Wrong?
  • A $700,000 Signing Bonus for a CFO? I’d Like to See the Hiring Economics, Please.
  • Diesel Prices Are Wrecking the Freight Budget. The IEA Says the Squeeze Could Last Into 2027.
  • Wells Fargo’s EPS Grew Faster Than Earnings. I’d Like the Rest of the Story.
  • Goldman Sachs Just Delivered a Monster Quarter. I Want to Know How Much of It Is Repeatable.
  • CFOs Are Optimistic About Their Businesses but Worried About Stock Valuations. Both Can Be Right.
  • AI Skills May Command Higher Finance Salaries. Now CFOs Have Another Budget Problem.
  • The AICPA Just Published AI Audit Guidance. Finance Might Want to Check Who’s Responsible for the Numbers.
  • The 2027 Budget Isn’t Broken Yet. Its Assumptions Are Already Getting Nervous.
  • PayPal’s Budget Reallocation Playbook Has One Rule Finance Teams May Not Like: No Sacred Cows
  • McKinsey Says Automation Could Absorb Half of U.S. Work Hours. Who’s Training the Next Finance Leader?
  • AWS Replaced an 18-Tab Pricing Model With an AI Chatbot. The Interesting Part Isn’t the Chatbot.
  • AI Was Supposed to Improve Margins. Why Is It Showing Up in Cost of Revenue?
  • Your 2027 Budget Has a Problem: Last Year’s Numbers May Be the Wrong Starting Point
  • Only 10% of Companies Have Fully Integrated Planning. Apparently, the Other 90% Have Meetings.
  • Business Spending Is Still Growing in 2026: Why CFOs Shouldn’t Put Every Investment on Hold
  • AI Productivity Gains Are the Next Earnings Story: Why FP&A Could Become the Most Important Team in the Room
  • UnitedHealth Raises 2026 Earnings Guidance: The Profit Growth Lesson Hiding in Its Medical Costs
  • IMF Raises Global Growth Forecast for 2026: Why CFOs Should Look for Opportunities, Not Just Risks
  • FIS Launches Agentic AI Cash Flow Forecasting: Finance Might Finally Get Ahead of the Money
  • Goldman Sachs Q3 2026 Earnings Beat: What FP&A Can Learn From a $1.8 Billion Revenue Surprise
  • JPMorgan CFO Sees AI Dealmaking Opportunities: Why the Next Wave of AI Investment Could Be Good for Business
  • IMF Warns of AI Investment Bubble Risks: The $1 Trillion Question CFOs Should Be Asking
  • How AI Is Changing Accenture’s Consulting Business Model: The Billable Hour Has a Proble
  • How CFOs Are Using AI to Prepare Earnings Calls: The Financial Reporting Risks Nobody Wants to Explain
  • AI Chip Stocks Are Falling. Your Forecast Shouldn’t Pretend They Can’t
  • Your First Finance Hire: Are You Solving a Problem or Just Collecting Job Titles?
  • Long-Range Financial Planning: Build a Three-Year Plan Without Pretending to Predict
  • Top-Down vs. Bottom-Up Budgeting: Which One Should Finance Trust?
  • How to Build a Business Budget From Scratch Without Guesswork
  • Budgeting and Forecasting: Seven Controls That Make the Numbers More Reliable
  • Predictive Budgeting: When the Algorithm Gets the Assumptions Wrong
  • FP&A Forecast Credibility: How CFOs Keep Optimism From Becoming the Official Number
  • FP&A Decision Rights Framework: How CFOs Turn Financial Analysis Into Action
  • How to Forecast SaaS Renewal Costs and Avoid Software Budget Surprises
  • How to Calculate the Impact of a Supplier Price Increase on Gross Margin
  • How to Build a Financial Forecast Model in Excel: A Step-by-Step FP&A Example
  • FP&A Software Implementation Timeline: How Long It Takes and What CFOs Should Budget
  • Board Forecast Bridge Analysis: How CFOs Explain What Changed and What to Do Next
  • Forecast Assumption Ownership: How CFOs Stop Planning Surprises
  • Capital Expenditure Stage Gate Process: When CFOs Should Release the Money
  • Sales Capacity Planning: How CFOs Test Revenue Targets Before Hiring
  • Business Unit Profitability Analysis: How to Separate Real Losses From Allocated Costs
  • Capacity-Constrained Financial Planning: A CFO Guide
  • Your CFO Changed the Forecast. Was That Judgment or Wishful Thinking?
  • Post-Acquisition Synergy Tracking: Where Did the Promised Savings Go?
  • Capital Allocation for CFOs: When Every Investment Looks Good
  • That $24,000 Job Looked Profitable. So Where Did the Money Go?
  • Lease or Buy the Equipment? I’d Like to See the Numbers Before We Sign Anything.
  • Your Business Might Be Sitting on More Cash Than You Think. Let’s Find It.
  • Your Monthly Management Report Is Beautiful. Does Anyone Actually Do Anything With It?
  • Should You Outsource the Work or Keep It In-House? Let’s Do the Math.
  • Your Biggest Customer Is 30% of Revenue. How Much Risk Is That, Really?
  • How to Calculate Price, Volume, and Mix Variances Without Fooling Yourself
  • How to Calculate Whether a Sales Discount Is Worth It (Before You Give Away Your Margin)
  • How to Calculate Break-Even Sales for Multiple Products (And Why the Mix Matters)
  • How to Forecast Accounts Receivable Collections Without Pretending Every Customer Pays on Time
  • Customer Profitability Analysis: Your Biggest Customer Might Not Be Your Best Customer
  • When Should I Hire a Controller? Look for the Ownership Gap
  • Can My Business Afford Another Employee? Model the Gap Before You Hire
  • How Much Cash Should a Small Business Keep in Reserve?
  • Continuous Planning vs. Rolling Forecast: What Is the Difference?
  • How to Build an AI Business Case for Finance That a CFO Can Defend
  • Headcount Planning in FP&A: Build the Model Around Decisions, Not Rows
  • How to Measure Forecast Accuracy in FP&A Without Gaming the Forecast
  • Rolling Forecast vs. Annual Budget: Do You Actually Need Both?
  • AI Governance for Finance Teams: A Practical CFO Framework

Sarah Schlott

FP&A consulting, forecasting, accounting support and finance strategy for CFOs and growing finance teams.

Work With Sarah →

FP&A

FP&A ConsultingForecasting & PlanningScenario Modeling & Decision SupportManagement ReportingCash ForecastingFP&A Function & Finance SystemsVariance AnalysisKPI DashboardsBoard ReportingFP&A for PE-Backed CompaniesOrlando FP&A Consulting

Accounting

Accounting ServicesAccounting & Bookkeeping SupportMonth-End Close & Financial ReportingFinancial Statements & ReportingAccounts Payable SupportAccounts Receivable SupportAccounting Cleanup & Catch-UpOrlando Accounting Services
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