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I am a certified public accountant and certified financial

planner to more than one thousand individuals and small


businesses. The genesis of this book began when a struggling
client came to my office seeking advice. The clients business
was growing; however, he had difficulty in making ends
meet, particularly at payroll time. In sheer desperation he
asked, What am I doing wrong? For months I analyzed his
business, his expenses, processes, labor rates, and industry
comparative data. I even sought advice from a rich client
in the same industry, with a similar level of gross revenues
and whose business shared comparable demographics.
Together we could find nothing that stood out, no glaring
deficiency.