What to do: This is the point where an outside perspective becomes essential. A conversation with your financial advisor can help you understand whether you ' re facing a timing problem, a pricing problem, or a structural problem in your business— and what to do about each.
When to Call Your Advisor
You don ' t need to wait for a crisis. In fact, the earlier you have the conversation, the more options you ' ll have. Here are good times to reach out:
You ' re planning a major purchase or expansion. Before you commit, get a clear picture of how it will affect your cash flow over the next 12 to 24 months. You ' re experiencing consistent growth. Growth consumes cash— often more than business owners expect. Rapid growth with poor cash management has sunk many otherwise healthy businesses. You ' re not sure what your numbers are telling you. Financial statements can feel like a foreign language. A good advisor can help you understand what matters and what to watch. Something feels off. Trust that instinct. If the business feels harder than it should, there ' s usually a reason hiding in the numbers.
Cash flow management isn ' t about being pessimistic or overly cautious. It ' s about seeing clearly so you can make confident decisions. The businesses that last across generations are the ones that pay attention before they have to.
About the Author
Mindy Gallman
Managing Director mindy. gallman @ reaadvisory. com
567-242-2020
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Mindy Gallman is a Managing Director at Rea, working out of the Lima office. With over 30 years of strategic financial leadership in manufacturing— including roles as Controller, VP of Finance, and CFO— Mindy specializes in helping family and emerging businesses navigate growth and financial complexity. A graduate of The Ohio State University, she brings hands-on experience in treasury management and strategic planning to every client conversation. Contact Mindy at( 567) 242-2020.
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