Journal
Field Notes
Notes on margins, cash, and owner decisions — written for people who run the firm, not for finance textbooks.
Short articles from consulting work with owner-managed firms across New Zealand. Practical questions, not transformation slogans.
When a strong month still leaves the account thin
Sales can look healthy while cash lags — how owner-managers can separate revenue noise from the cash cycle.
Gross margin questions worth asking before you hire
Before adding headcount, test whether contribution from current work can carry the wage — a short sequence owners can run themselves.
What belongs in an owner pack (and what does not)
A readable monthly pack for the owner is short on purpose. Here is what we keep in — and what we leave for the ledger.
Preparing for a bank conversation without theatre
Lenders respond to coherent numbers and a calm owner narrative — not to optimistic slides. A short preparation list from consulting work.