Business financial planning is one of those phrases that means different things to different people — and most of those things are some version of 'looks at the books once a month.' Ours is more specific.
The first ninety days of a new engagement are mostly listening. We sit with the operator. We watch how cash actually moves through the business. We ask awkward questions about pricing. We learn which numbers people quote from memory and which ones they look up because they're embarrassed not to know them.
Then we build the smallest possible operating model that tells the truth. One spreadsheet. Thirteen weeks of cash. A real budget — not the one you sent the bank. By day sixty we usually know more about the company's economics than anyone other than the owner. By day ninety the owner usually does too.
About the firm
Harmony Financial Advisors is a fee-only fiduciary firm in Northern New Jersey, serving individuals, families, and business owners across Bergen, Hudson, Morris, Passaic, and Essex counties. We accept a small number of new clients each year.
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