

Strategy Meets Finance
Steve Coughran
Welcome to Strategy Meets Finance, the podcast for business owners and entrepreneurs who want to start, grow, and run a business that lasts.Most business owners struggle because they treat strategy and finance as separate. But without a clear strategy, your finances won’t support long-term growth. And without strong financial planning, even the best business ideas fall flat.On this show, we bring both sides together—so you can grow your business with confidence, improve cash flow, increase profit, and make better decisions.Hosted by Steve Coughran, a former CFO and founder of Coltivar, each episode shares simple tools, real examples, and practical advice from working with companies of all different sizes. You’ll learn how to set smart goals, fix money leaks, build stronger teams, and create lasting value.
Episodes
Mentioned books

Jan 31, 2024 • 16min
Financial and Economic News: January 31, 2024
Want to grow your business? Download your free roadmap today: coltivar.com/growthMajor stories developing on the global economic front, including:Iran-Backed Missiles Make Economic ImpactEvergrande, NevermoreChina Races to Rescue EconomyNaked & A Fraud: South Korea Exposes Short SellersU.S. Real Estate Resurgence?Morgan Stanley Bullish on BanksBig Tech’s Big Earnings WeekNo Room For Roomba at AmazonReddit Preps for IPOMusk’s Neuralink Reaches Major MilestoneFinWeekly has all the details on the latest market and financial news: In this week's episode, we kick things off by unpacking the economic implications of the US response to the drone strike against our troops in Jordan. Shifting to international finance, we explore the collapse of China Evergrande Group, once a symbol of the country’s robust property market. We also cover China's proactive measures to rescue its economy amidst challenges from a property crisis, deflation, and weak consumer confidence. In South Korea, the regulators’ discovery of $41 million in illegal naked short selling by undisclosed global banks underscores a broader crackdown on illicit financial practices. Back in the US, we discuss a potential resurgence in the real estate market with predicted mortgage rate drops, while Morgan Stanley expresses optimism about major US banks. We also break down Big Tech's upcoming earnings week, Amazon's withdrawal from the iRobot acquisition, Reddit's IPO plans, and Neuralink's milestone achievement. Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. 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.byfiq.com/terms-and-privacy-policy for additional important information.LinkedIn | YouTube coltivar.com

Jan 30, 2024 • 13min
Don't Let This Tax Strategy Bankrupt You with Leland Gross | Ep 98
Want to grow your business? Download your free roadmap today: coltivar.com/growth In today's episode, we have a thought-provoking discussion with Leland Gross, Founder of Peace Link Financial Planning, on the topic of "Don't Let This Tax Strategy Bankrupt You." We delve into the common misconception that minimizing taxable income, particularly through strategies like Section 179 depreciation, may seem appealing in the short term but can have detrimental consequences in the long run. Leland shares insights on how some businesses, misguided by the allure of immediate tax deductions, find themselves cash-strapped in future years. Moreover, we examine how reducing taxable income to nearly zero can impact a company's creditworthiness and ability to secure essential financing down the line._______________________________________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

Jan 24, 2024 • 15min
Financial and Economic News: January 24, 2024
Major stories developing on the global economic front, including:Wall Street Eyes White House RaceBrevan Howard’s Recession WarningStock Market Gaining MomentumTreasury Market Transformation Wall Street Buying Spicy Treasury DipHedge Funds Score BigInvesting Titans Flee Asia Hong Kong Stocks SlideChina Doubts Grow Deeper Budgeting is #Trending on TikTokFinWeekly has all the details on the latest market and financial news: In this week's episode, we delve into the intricate intersection of politics and finance as Donald Trump solidifies his position as the likely Republican nominee, prompting Wall Street to closely monitor potential market shifts. Brevan Howard's chief economist, Jason Cummins, challenges the consensus, predicting a 2024 recession and urging mindfulness of monetary policy's interplay with geopolitical shifts. We explore the current resilience of stock markets amid strong economic data and expectations for 2024 Fed rate cuts, while SEC Chair Gary Gensler's plans to reshape Treasury Markets through central clearinghouses grab attention. Major Wall Street players advise caution amid early expectations for central bank rate cuts. Hedge funds, led by influential managers, delivered impressive 2023 results, sparking scrutiny of risks. Internationally, Asia's hedge fund founders shift to global giants, driven by high interest rates favoring larger firms. Meanwhile, China's stock market downturn and skepticism about its economic prospects impact currency and bond markets. Tune in for essential insights into the dynamic world of finance!Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. 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.byfiq.com/terms-and-privacy-policy for additional important information.LinkedIn | YouTube coltivar.com

Jan 23, 2024 • 15min
How to Recover from Financial Trauma with Joyce Marter | Ep 97
Want to grow your business? Download your free roadmap today: coltivar.com/growth Steve Coughran engages in a transformative conversation with Joyce Marter, the esteemed author behind Financial Mindset Fix. Together, they address the pressing topic of "How to Recover from Financial Trauma." With a focus on empowering individuals who have faced financial setbacks such as divorce, bankruptcy, or business failure, Coughran and Marter provide invaluable insights on reclaiming the financial life we deserve to live. Drawing from their expertise and real-world examples, they guide listeners towards overcoming adversity, rebuilding financial stability, and embracing a future filled with renewed hope and prosperity. Join Steve Coughran and Joyce Marter in this enlightening discussion and discover the tools and mindset needed to triumph over financial trauma._______________________________________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

Jan 17, 2024 • 11min
Financial and Economic News: January 17, 2024
Major stories developing on the global economic front, including:Hoping for the Best, Preparing for the WorstCautious Optimism for US EquitiesAmericans are Dumping DebtMorgan Stanley’s Wealth WoesSunac’s Financial ReboundECB’s Summer ForecastGermany Dodges RecessionAltman Dispels AI FearsFinWeekly has all the details on the latest market and financial news: This week's financial podcast unravels global economic challenges, with sluggish global growth anticipated at 2.7%, below pre-pandemic levels. Despite interconnected uncertainties, Wall Street forecasters remain optimistic about U.S. equities in 2024, adjusting year-end targets to reflect confidence. A shift in Americans' financial mindset prioritizes reducing debt, signaling potential impacts on spending behaviors. At Morgan Stanley, new CEO Ted Pick faces market skepticism, reflected in a significant share drop, raising concerns for investors and influencing broader market trends. In China, Sunac China Holdings' successful $10 billion debt restructuring sparks optimism amid real estate turmoil. In Europe, the European Central Bank cautions against overly optimistic expectations for imminent interest rate cuts, emphasizing determination to reach a 2% inflation target. Germany's 0.3% economic contraction due to high inflation and firm interest rates shapes a slow recovery. In the tech realm, OpenAI's CEO, Sam Altman, challenges fears of AI's transformative impact, emphasizing its role as a valuable productivity tool. Contrary to concerns, Altman assures that AI, including artificial general intelligence, is not an imminent threat to employment.Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. 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.byfiq.com/terms-and-privacy-policy for additional important information.LinkedIn | YouTube coltivar.com

Jan 16, 2024 • 22min
Unveiling Effective Tax Strategies for Entrepreneurs with Leland Gross | Ep 96
Want to grow your business? Download your free roadmap today: coltivar.com/growth Welcome to the Boosting Your Financial IQ podcast with host Steve Coughran. In this episode, we have a special guest, Leland Gross, Founder of Peace Link Financial Planning, as we dive into the topic of "Unveiling Effective Tax Strategies for Entrepreneurs." We explore crucial aspects that go beyond tax implications, such as how your entity structure and tax election impact your business in various ways. Leland sheds light on the importance of avoiding commingling funds and establishing robust financial processes to maximize legitimate tax deductions. Additionally, we discuss valuable strategies entrepreneurs can employ to leverage tax-deferred retirement vehicles. Through informative insights we guide our listeners towards effective tax planning that not only minimizes liabilities but also sets them up for long-term success in their business._______________________________________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

Jan 10, 2024 • 13min
Financial and Economic News: January 10, 2024
Major stories developing on the global economic front, including:Financial FrontiersChina’s Economic JittersTech Giants Move to SaudiPower Surge for NorthvoltCEO Greed Reaches Stunning New HeightsChile’s Spicy Rate Cut ExpectationsEuro-Zone Wealth Inequality Gap NarrowsBudget Breakthrough: US Congress Strikes Bipartisan DealBitCoin Surges to 21 Month HighBig Pharma’s Spending SpreeOn this episode of FinWeekly: We’re unpacking the U.S. Consumer Inflation Report and its impact on market sentiment and policy decisions. We also explore economic jitters in China, and how struggling stimulus efforts and geopolitical tensions are affecting the Shanghai Composite Index. Find out what’s behind tech giants' strategic move to Saudi Arabia and the Middle East's paradigm shift. Plus, delve into Northvolt's EU-approved billion-euro plant, and the staggering CEO pay increase at Bet365 Group. Then, we’ll uncover Chile's unexpected economic downturn and the Euro-Zone's evolving wealth inequality. At home in the US, a groundbreaking bipartisan budget deal in the U.S. Congress and the recent surge of Bitcoin have people feeling optimistic. And finally we’ll recap Big Pharma's $6.4 billion spending spree in San Francisco. Join us for a comprehensive analysis of these financial topics and gain insights into their potential impacts on global markets. Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. 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.byfiq.com/terms-and-privacy-policy for additional important information.LinkedIn | YouTube coltivar.com

Jan 9, 2024 • 19min
Shifting from a Scarcity to Abundance Mindset with Joyce Marter | Ep 95
Want to grow your business? Download your free roadmap today: coltivar.com/growth Steve Coughran engages in a thought-provoking conversation with Joyce Marter, the esteemed author behind Financial Mindset Fix. Together, they explore the transformative concept of "Shifting from a Scarcity to Abundance Mindset." By delving into the depths of our limiting beliefs and challenging our preconceived notions about money, Coughran and Marter provide listeners with valuable insights on how to change their relationship with finances. In this illuminating discussion, they guide us towards reframing our mindset and embracing a world of boundless opportunities, where we can overcome scarcity and invite abundance into our lives. Join Steve Coughran and Joyce Marter on this eye-opening journey to unlock your true financial potential and create a life filled with abundance._______________________________________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

Jan 3, 2024 • 12min
Financial and Economic News: January 03, 2024
Major stories developing on the global economic front, including:Reflections on 2023Wall Street’s 2024 OutlookTrade Disruptions in the Red SeaOil’s Surprise DropBuilding With BRICSSwedish Bankruptcies SoarApple Rotting?X Faces FreefallTesla Stalls in Q4DOJ Decision Sparks New SBF ControversyDon’t miss our discussion on top stories in the world of finance: We’re navigating Wall Street's conflicting narratives for 2024, unraveling geopolitical tensions in the Red Sea, and analyzing surprising shifts in oil prices. We’ll also explore the expanding BRICS group, the surge in Swedish bankruptcies, and setbacks faced by major players like Apple, Elon Musk's X, and Tesla. Plus, we discuss the DOJ's controversial decision on FTX founder Sam Bankman-Fried. Stay informed and start the new year right! Read the FinWeekly breakdown now!Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. 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.byfiq.com/terms-and-privacy-policy for additional important information.LinkedIn | YouTube coltivar.com

Jan 2, 2024 • 32min
Investing in Any Market with Bob Elliott | Ep 94
Want to grow your business? Download your free roadmap today: coltivar.com/growth In today's insightful discussion, we have a special guest, Bob Elliott, Co-Founder and CEO of Unlimited, here to shed light on the topic of "Investing in Any Market." Bob shares valuable insights on why trying to time the market is not a sound strategy and why day trading rarely yields profitable results. Instead, he emphasizes the importance of portfolio diversification as a key principle for successful investing. Join us as we delve into the world of investing, where Bob shares his wisdom on navigating through periods of inflation, market volatility, and economic downturns. Get ready to enhance your investing knowledge and discover strategies that focus on long-term value creation._______________________________________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


