(Phased Rollout)

The WISER™ Frameworks: Your Complete Cash Flow Mastery System

The Hidden Fortune in Your Cash Flow

If you're profitable but constantly stressed about cash, you're facing the crisis that destroys 82% of businesses: "Growing Broke"—where every new sale costs you cash upfront, even when you're profitable.

The Mathematical Proof: Power of Seven

Here's the documented evidence that substantial improvements are achievable through minimal changes across seven core drivers that control 90% of your cash flow:

Conservative Results (Just 1% improvements and 1-day cycle changes):

$1M Business: $28,598 annual improvement
$5M Business: $145,507 annual improvement
$10M Business: $291,013 annual improvement
$25M Business: $727,534 annual improvement

Real-World Implementation Results:

Conservative (2-4% of revenue): $5M business = $100K-$200K improvement
Typical (5-8% of revenue): $5M business = $250K-$400K improvement
Aggressive (8-12% of revenue): $5M business = $400K-$600K improvement

NOTE: For a deep dive into the possibilities, request a FREE copy of my booklet: "The Hidden Fortune in Your Cash Flow." You will be amazed!

The WISER™ System

The eight WISER frameworks provide the systematic implementation approach that enables businesses to capture these mathematical opportunities. These frameworks address the strategic, operational, and cultural elements necessary for sustainable cash flow mastery.

Built for SMB Realities:

Complete using only the data you already have
No MBA required, no full-time CFO needed
Done-for-You templates with Do-It-Yourself implementation

Important Note: Success requires 12-month systematic organizational commitment, with initial improvements beginning within 90 days. Year 1 combines one-time working capital liberation with recurring benefits that continue annually. Results are not guaranteed and will vary significantly based on your current practices, market conditions, implementation commitment, and numerous other factors specific to your business situation.

Discover how each framework addresses your cash flow optimization:

CASHFLOwiser™ gives small and mid-sized business owners the visibility and control they need to lead with confidence. This all-in-one Excel-based system turns your raw financials into decision-ready insight—revealing where cash flow is being created, consumed, or wasted.

Built from real SMB experience, CASHfloWiser™ combines dashboards, diagnostics, and forecasting tools to simplify complexity and expose what’s driving (or draining) your cash flow, profit, and valuation. No fluff. No guesswork. Just the clarity you need to make smarter moves, faster.

Whether you’re stabilizing cash, scaling up, or planning an exit, CASHfloWiser™ equips you to lead like a CFO—without needing to be one.

DRIVERwiser ™ is a practical, right-sized framework built for SMB owners who want to take control of the 10 operational and financial drivers that account for over 90% of business cash flow. Through a streamlined 6-tool system, it helps owners quickly diagnose issues, prioritize focus areas, map driver interdependencies, assess root causes, build 30-day improvement sprints, and monitor results through a simple dashboard. Designed for real-world implementation,

DRIVERwiser balances power and practicality—delivering fast insights, scalable progress, and sustained improvements without overwhelming busy teams. It's not just a framework—it’s a cash flow operating system that grows with your business.

PLANwiser™ provides a structured, repeatable system for implementing strategic cash flow planning inside a growing business. Through its ten-step RAMP UP! process—from assembling a cross-functional cash flow team to forecasting, analyzing, planning, and executing in quarterly cycles—this framework helps SMBs turn insight into action. It’s built to align operational decisions with real cash flow impact, leveraging a one-page cash flow plan and consistent rhythms for reporting and meetings. With PLANwiser, cash flow becomes not just a finance function but a company-wide discipline that drives clarity, accountability, and sustainable financial strength.

PROFITwiser™ is a practical decision-support framework that brings Cost-Volume-Profit (CVP) analysis to life for small and mid-sized businesses. Built around a powerful Excel-based engine, it simplifies complex profit modeling into real-time clarity—so you can test, pressure-check, and improve profitability before committing resources.

This isn’t a spreadsheet full of formulas. It’s an operator-designed toolset that helps you model break-even points, evaluate pricing decisions, assess product and customer mix, and expose hidden margin risks. Whether you're setting targets, adjusting pricing, scaling operations, or chasing growth, PROFITwiser™ reveals how those decisions will play out on your bottom line—and your cash flow.

PROFITwiser™ turns your P&L into a strategic tool—giving you clear visibility into the economics behind your growth and helping you lead with confidence, not guesswork.

FORECASTwiser™ is a transformative cash flow forecasting system built specifically for small and midsize business owners ready to elevate their financial visibility and control.

Anchored in a four-level intelligence system—12-month strategic forecasting, 13-week tactical planning, 5-day execution tracking, and daily cash validation—and supported by a sophisticated 10-driver methodology, it equips owners to confidently anticipate and manage their financial future with surgical precision.

FORECASTwiser™ empowers SMBs to eliminate surprises, spot trouble early, and make bold, data-informed decisions with clarity and confidence. It's not just about better forecasts—it's about building systematic financial intelligence that typically generates additional cash flow equal to 1-6% of annual revenue through working capital optimization alone.

This isn’t just about mindset. It’s about reprogramming your company’s DNA so that cash flow becomes the lens through which every decision, every function, and every employee operates. CULTUREwiser™ shows SMB owners how to build an organization where financial clarity is not siloed in accounting but embedded across departments, infused into planning, baked into metrics, and championed by leadership. It reframes cash flow not as a financial report, but as a shared operating principle.

The result? A culture that scales with confidence, adapts with agility, and protects itself from growing broke — even in turbulent times.

This isn’t about spreadsheets or slogans. It’s about creating a company where cash clarity drives every conversation — and every outcome.

VALUEwiser™ provides systematic business valuation intelligence for ongoing strategic planning and performance measurement between formal valuations—not a replacement for certified appraisals when they're required for transactions, legal matters, or regulatory compliance.

Built around a professional-grade Excel system using three complementary approaches—EBITDA, SDE, and DCF valuations—with industry-specific intelligence covering 32 manufacturing and distribution sectors, it provides quarterly directional insights that inform strategic decisions and drive value creation.

VALUEwiser™ addresses the hidden crisis in SMB wealth building: while 60-80% of owner wealth typically resides in business value, most operate without systematic knowledge of what their company is worth or how operational improvements multiply through industry valuation multiples to create disproportionate wealth building opportunities.

CRISISwiser™ provides a systematic survival framework for SMB owners facing cash flow crises, transforming panic-driven reactions into disciplined crisis management that preserves business value and maximizes recovery probability.

Built around a three-level assessment system based on Total Liquidity calculations and refined through decades of crisis management experience, it provides immediate response protocols, professional integration guidance, and recovery strategies tailored to crisis severity and available resources.

CRISISwiser™ isn't just crisis management—it's a complete preparedness system that builds resilience during good times and provides systematic response capabilities when survival is at stake. It helps owners recognize warning signs early, respond appropriately to crisis levels, and often emerge stronger than before crisis hit.