Strategy Meets Finance

Want to grow your business? Download your free roadmap today: coltivar.com/growth Join me on this enlightening episode, where I dive into the cornerstone of financial analysis: the balance sheet. As a CFO with years of experience navigating financial landscapes, I am taking you on a guided tour through the intricate world of financial statements.In this episode, I strip away the complexity surrounding balance sheets and reveal the essential insights every business leader should grasp. From deciphering assets and liabilities to understanding shareholder equity, I am breaking down each component with clarity and real-world examples.Whether you're a seasoned entrepreneur, a budding investor, or simply curious about financial fundamentals, this episode equips you with the knowledge to confidently interpret a balance sheet. Learn how to spot financial health indicators, assess risk, and make informed decisions that drive your business forward.Tune in as I share insider tips and practical advice gleaned from years at the helm of financial strategy. Gain a CFO's perspective on reading between the lines of balance sheets and harness this essential skill to empower your financial acumen.Don't miss out on this enriching conversation that promises to demystify the balance sheet and elevate your understanding of corporate finance. Whether you're at the helm of a startup or steering a multinational corporation, mastering the balance sheet is key to navigating the financial waters with confidence._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth Ever wished you could interpret your company's income statement like a seasoned CFO? Unlock the secrets of financial literacy in my latest episode, where I break down the income statement into its core elements—revenue, expenses, and profits. Just as fluency in a new language opens doors to a new culture, mastering financial statements empowers you to make informed decisions that drive business value. I'll guide you through effective categorization of income streams and explain why it's crucial for your financial health.Take your financial acumen to the next level as we dive into key financial metrics, starting with the cost of goods sold (COGS) and its pivotal role in calculating gross profit. Learn how to differentiate between gross profit and net income, and why understanding these distinctions is essential for assessing your business’s viability. Drawing from my experience as a CFO in a fast-growing FinTech startup, I'll share insights on how improving gross profit can attract investment, even when facing initial losses. We’ll also explore how to track gross profit trends to ensure operational efficiency.Access the free course "The Million Dollar Blueprint" here >_______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth In today’s fast-paced world, it's easy to lose sight of our true aspirations amidst daily demands. Consider this episode your weekly dose of inspiration and practical advice, helping you to pause, reflect, and realign with your life's purpose. By spending time intentionally plotting your goals, you’ll cultivate a clearer vision of your future, make more meaningful decisions, and experience a deeper sense of satisfaction and accomplishment. I'm dedicated to empowering you to shape your future through intentional goal-setting and strategic planning.  Are you ready to take control of your destiny, achieve your dreams, and live a life of purpose and fulfillment? Access the free course "The Million Dollar Blueprint" here >_______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth From running a landscape company as a teenager to founding a consulting firm, my journey has been anything but ordinary. Join me as I share how dropping out of college and facing numerous setbacks led me to a deeper understanding of financial statements and the value of paying for my own education. Discover how choosing the harder path and pursuing a finance degree equipped me with indispensable skills that have fueled my business success.I recount the tumultuous times during the financial crisis, where a lost job opportunity became a turning point. Hear how I turned rejection into resilience, deciding to pursue a master's degree in accountancy at the University of Denver, and the rigorous process of studying for the CPA exams. With guidance from mentors, I navigated this challenging period, which set the stage for my career at Ernst & Young and, eventually, the founding of Coltivar.Explore a myriad of career paths in finance and accounting, from becoming a CPA to roles in FP&A, risk management, and entrepreneurship. Gain insights into the valuable experiences in public accounting and the strategic role of FP&A professionals. Understand the distinctions between finance and accounting to better align your educational path with your career goals. This episode underscores the importance of developing financial skills and invites you to connect and share your feedback and ideas for future episodes.Access the free course "The Million Dollar Blueprint" here >_______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth Join host Steve Coughran in this enlightening episode as he unveils the three essential financial insights every CEO should master. Without revealing the specifics, Steve teases listeners with the promise of valuable knowledge that can transform your business approach. Discover how understanding the language of money can empower you to run a more profitable, cash flow positive business that consistently grows in value. Tune in to gain actionable insights and elevate your financial acumen, ensuring your leadership drives sustainable success and growth. _______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Exploring the importance of throughput in business, the podcast delves into maximizing efficiency, identifying bottlenecks, and driving productivity. Learn how measuring and optimizing throughput can lead to significant improvements in your bottom line.

Discover the importance of free cash flow in business, from its role in financial health to valuation. Learn about the key takeaways, such as how FCF reflects a company's ability to meet obligations, fuel growth, and guide investors in assessing intrinsic value. Dive into the intricacies of financial management and gain insights for empowering decision-making.

Want to grow your business? Download your free roadmap today: coltivar.com/growth Today, we're delving into "What You Need to Know About Working Capital." Understanding this financial metric is essential for maintaining the health of your business. We'll define what working capital is and unravel the distinction between operating and working capital, providing clarity on their respective roles. Drawing from my experiences with various companies, we'll examine real-world examples showcasing the impact of mismanaging working capital. From inventory management to accounts receivable, every aspect requires meticulous attention. Because here's the truth: neglecting working capital can spell disaster for your business. Stay tuned as we equip you with the knowledge you need to navigate this critical aspect of financial management, setting the stage for our upcoming discussion on free cash flow._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth Today, we're diving into "The Ins and Outs of CapEx." Capital expenditures, or CapEx, are vital for business growth, but understanding them is key. We'll explore how companies establish thresholds for CapEx, ensuring investments align with strategic objectives. Delving into the mechanics, we'll demystify depreciation and amortization, crucial for assessing asset value over time. Moreover, we'll dissect the nuances of capitalizing assets like technology, illuminating how this impacts financial statements. Why? Because comprehending CapEx lays the groundwork for our next episode on free cash flow. Tune in as we navigate the financial landscape, empowering you to make informed decisions._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth In this episode, we explore the world of investing in the business of childcare with Patrick Bell, CEO of Finexia. Patrick sheds light on why childcare is a unique and promising investment opportunity, highlighting its resilience in the face of economic fluctuations and its crucial role in supporting working families. We delve into how demographic trends and government policies influence the childcare industry's viability, and the pivotal role of subsidies and incentives in driving private investment. Join us as we compare investing in childcare against various asset classes, from ETFs to commodities, evaluating factors like risk management, potential returns, and long-term financial growth prospects. Gain insights into how investing in childcare can offer both financial stability and a positive impact on society._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com