The Shnider Group LLC
Fractional CFO & Financial Advisory
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Practical guides on the topics that matter most to small business owners — budgeting, insurance, taxes, cash flow, and more. Some are free to download, others are a perk for Financial Clarity members.

The CFO Edge
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Budgeting — Why Spend the Time?
A short excerpt on why budgeting matters and how it becomes your roadmap to achieving your business goals.
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Free Download
Insurance — Why Spend the Money?
An introduction to risk management and the types of insurance every small business should consider.
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People, Practices & Pitfalls
Understand your tax and employment law responsibilities as a business owner — from worker classification to FLSA.
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What Do the Numbers Mean?
A practical guide to reading your financial statements and understanding what the numbers are really telling you.
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Where's the Cash?
Why profit and cash aren't the same thing — and what's really happening behind a bank balance that doesn't match your P&L.
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Multi-Location Profitability: How to See (and Fix) What's Really Happening
Why one location can look like it's growing while it's actually getting less healthy — and the shared-cost allocation mistake that hides it.
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🔒 Members Only
Preparing Your Business for Sale: A CFO's Due Diligence Checklist
What buyers actually look for — and what most owners don't fix until it's too late to matter.
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🔒 Members Only
From Founder-Led to Professionally Managed
The finance function that got you to your first million won't get you to your tenth. Here's how to build it right.
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🔒 Members Only
The 13-Week Cash Flow Forecast: Template & Field Guide
The single tool almost every CFO uses to never be surprised by cash again — step by step.
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