What We Do

We consult in three inter-related and inter-dependent areas that support a Purposeful Behavior Model:

Businesses are more likely to succeed when all three areas are fully embraced.


The first step in developing a powerful strategy is to be clear about why your organization is in business; that is, what purpose does it serve? We assist leadership in discovering their organization's purpose or mission and reframing it such that all of their organization's key stakeholders find it meaningful and important to them. We have found that having a common purpose is the most powerful way for an organization to harness the power and resources of its Stakeholder World and create real value for its shareholders.

Once their purpose is identified, we assist Leadership in creating:

  • A Purpose Tag Line, a shortened expression of their purpose

  • A Purpose Statement, which describes why their purpose is meaningful and important to them, and

  • Purpose Metrics to track their performance

These services can be offered to leadership teams (facilitation), to individual leaders (coaching) or both.


Staff Development

Growing businesses require more sophisticated accounting systems and a larger and more highly trained accounting staff to manage them. Very often, you will need to upgrade the competency level of your existing staff or hire additional skilled personnel.

We can assist you here by:

  • Improving and documenting procedures

  • Providing individual coaching

  • Providing training workshops and seminars

  • Define staffing requirements and their roles and responsibilities

  • Assessing new prospective hires

Financings & Debt Restructuring

As businesses expand or contract, there may be a need to expand credit facilities, pursue different types of credit or restructure existing credit lines.

We can assist clients in:

  1. Renegotiating existing credit lines
  2. Establishing new lender relationships
  3. Restructuring credit facilities to suit different types of borrowing needs and taxing considerations
  4. Assessing overall credit needs now and in the future


Internal Controls

As the business grows, what is often overlooked are the internal controls needed to insure that the business gets everything it paid for and receives payment for everything it sold. Good iInternal controls also keep employees honest and enable leaders to delegate financial responsibility and accountability.

We can help you design and implement:

  1. Inventory/unit control procedures
  2. Payable processing and disbursement procedures
  3. Cash management procedures


Mergers & Acquisitions

Businesses often face opportunities to grow through acquisitions or mergers. When those opportunities come along…

we can help you:

  1. Assess the opportunity
  2. Assist in the negotiation and due diligence phase
  3. Assist in arranging the financing
  4. Help plan and execute the business integration phase.

The best exit strategy for a business owner is to begin building a lasting organization tied to a succession plan.  This will require transitioning from an entrepreneurial to a professionally managed company. We help business owners work through this process.



Our Strategy Development services provide a process and framework in which organizations can make decisions that are aligned with their Purpose and long-term goals. We also enable businesses to focus their resources in areas that will give them greater opportunities for success.

Benefits for using such a process include:

  1. Providing a structure for identifying and developing a competitive edge over the competition
  2. Empowering and motivating management
  3. Creating a consensus and clarity of purpose consistent with long-term goals that define success
  4. Focusing marketing and other business resources
  5. Anticipating and then resolving problems
  6. Identifying new business opportunities
  7. Increasing the odds for business and personal financial success

Our strategy development process addresses:

  • Mission or Purpose-Why your company is in business

  • Competitive advantage-Why customers prefer your company over others

  • Product or Service/Market focus-What customers your company serves and what products or services they buy

  • Brand Value-What benefits your company is committed to provide

  • Development Goals over the long-term (3-5 years) In what specific areas will your company be improving over time

  • Objectives and metrics over the short-term (one year)- What will your company accomplish towards those goals within the next year

We will guide you through this process with team facilitations, individual coaching or a combination of the two.


Who Can Use Our Services

Companies that gain the greatest benefit from our services may be experiencing these events or circumstances in their life cycles:

  1. Rapid growth or decline
  2. Competitive pressures or product commoditization
  3. Loss of profitability
  4. Increased receivable dilution
  5. Poor inventory or receivable turnover
  6. Cash flow or liquidity concerns
  7. A merger or consolidation opportunity
  8. Changes in management
  9. New business or division launching
  10. Loss of a key financial person

Companies may also see the need for:

  1. Ongoing counsel and advice in strategy and finance
  2. Greater sophistication in their internal controls
  3. Improved financial reporting
  4. A more effective accounting department
  5. Getting the right information to make important decisions

Financial AnALysis

Successful businesses are often faced with numerous opportunities to invest resources. How does one decide which opportunities to pursue and which to avoid? How does one decide when to manufacture and when to purchase, when to perform an operation in-house and when to outsource? Careful analysis of the financial implications will enable leaders to make informed decisions and maximize profits.

We can help you analyze:

  1. Make or buy decisions
  2. Merger or acquisition opportunities
  3. New product line extension opportunities
  4. Changes in strategic direction

Financial Reporting

Do you know how your business is doing? Can you tell whether all of your initiatives are on track? Reporting results is a necessary part of managing a successful business. Very often financial statements are prepared for the financial community and are not very useful for managing your business.

Having the right reporting can help you:

  • Focus in on key cost centers that are affecting the bottom line

  • Gain insight into solving critical operational problems

  • Measure the success of your management team and their initiatives

  • Understand the true costs of your products, services, channels, marketing programs and other important areas of your business

Good financial reporting starts with understanding of the business and economic model that drives profitability and then developing the right chart of account structure to capture and organize the data.

We can help you design and implement:

  1. An appropriate chart of accounts
  2. Data capturing systems
  3. Departmental, product line, divisional reporting
  4. Costing systems
  5. Key indicator tracking systems

Financial Planning

Businesses undergoing rapid changes in sales growth, product/market focus, resource and supply chain requirements need to consider the financial implications of these changes.

  • Will the business have sufficient credit lines from its suppliers and lenders?

  • Will the changes in resources requirements affect its financial leverage or credit line covenants?

  • Will seasonality factors result in liquidity issues over the near or long-term?

  • Will your financial structure (or leverage) inhibit future growth plans?




Financial Management focuses on seven areas:

  • Financial Reporting

  • Internal Controls

  • Financial Analysis

  • Staff Development

  • Financial Planning

  • Financings & Debt Restructuring

  • Mergers & Acquisitions


Paul has helped us better understand how our business is performing by providing more timely and useful financial reporting He has helped us more effectively plan our growth and cash flow needs by implementing a budgeting process. Paul helped us set up more appropriate accounting practices so that we could collect the right kinds of data and measure our performance in ways that helped us manage the business more profitably.

I can, without hesitation, recommend Paul for any business in need of solid and reliable financial reporting and analysis. I am available to personally endorse Paul and provide details on the work he has performed for our company.

Karen Farrington
Partner, Matura Farrington
Staffing Company


Paul Ratoff helped our team focus on the areas that would make us more successful. He provided an effective sounding board and valuable input to help me address important decisions facing my company. He gave us the reporting and planning tools that allowed us to manage our business better, and helped us streamline the accounting department by developing our accounting staff’s skill set. Paul also helped us better understand and utilize our current accounting system, which can now give us the right information faster and easier. Paul helped us implement a budgeting process that engages all of my key managers who now play a more proactive role in reducing costs.

Karen Caplan
CEO, Frieda’s Inc.
Specialty Food Products Distributor

Paul has been a tremendous coach. Each day I face a wide array of complex circumstances and subjects that are sometimes unknown or foreign at best. In almost every situation Paul demonstrates an uncanny ability to cast darkness on what is not important and illuminate only what is. The resulting clarity has led to better decisions and financial results. Additionally, Paul dramatically improved the quality of our financial data so that we can now manage our business by the numbers. Paul quickly became and remains a trusted advisoron all issues that affect the financial health of my business.

David Handmaker
CEO, Postcard Press, Inc.
Internet Printer