Financial Analysis

The financial GPS to help our clients get on the right track to become debt free!

We will take the time to break down your current financial situation and educate you on proper management to align you with your future goals.

For Personal & Families:

A personal financial statement is a snapshot of your personal financial position at a specific point in time.
It lists your assets (what you own), your liabilities (what you owe) and your net worth.

To get your net worth, subtract liabilities from assets. Your net worth can be either positive (if you have more assets than liabilities) or negative (if you have more liabilities than assets).

Examples of personal assets include:

  1. Cash
  2. Stocks and bonds
  3. Real estate
  4. Retirement accounts
  5. Personal property such as jewelry or cars

Examples of personal liabilities include:

  1. Outstanding loans
  2. Mortgage
  3. Credit card debt

For Business Owners:

We assess the viability, stability, and profitability of a business, sub-business or project.

It is performed by our team of professionals who prepare reports using ratios and other techniques, that make use of information taken from financial statements and other reports.

Financial analysis may determine if a business will:

  • Continue or discontinue its main operation or part of its business;
  • Make or purchase certain materials in the manufacture of its product;
  • Acquire or rent/lease certain machineries and equipment in the production of its goods;
  • Issue stocks or negotiate for a bank loan to increase its working capital;
  • Make decisions regarding investing or lending capital;
  • Make other decisions that allow management to make an informed selection on various alternatives in the conduct of its business.

What we are looking for:

  1. Profitability: its ability to earn income and sustain growth in both the short- and long-term. A company's degree of profitability is usually based on the income statement, which reports on the company's results of operations;
  2. Solvency: its ability to pay its obligation to creditors and other third parties in the long-term;
  3. Liquidity: its ability to maintain positive cash flow, while satisfying immediate obligations;
  4. Stability: the firm's ability to remain in business in the long run, without having to sustain significant losses in the conduct of its business. Assessing a company's stability requires the use of both the income statement and the balance sheet, as well as other financial and non-financial indicators.