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Tom Durand Fiduciary Services Services Business Planning

Business Planning

Structure, finance, and scale decisions that strengthen your enterprise and the owner’s balance sheet.

Future Management Consulting

We align budgeting, cash cycles, capital structure, pricing, and tax with growth objectives and the owner’s wealth plan—turning strategy into an operating model with measurable targets.

From defining goals to prioritizing trade-offs, we create an action map that synchronizes timelines, funding, team accountability, and KPIs across finance, sales, and operations.

Business Planning

Finance planning & strategy

Our approach is iterative: diagnose → model scenarios → implement → review. We stress-test for margin pressure, working-capital swings, interest-rate shifts, and headcount scale to keep growth resilient.

01

Research

Market, competitors, unit economics, and internal metrics.
02

Discovery

Operational workflows, constraints, and growth levers.
03

Build plan

Capital roadmap, pricing & margin strategy, and KPI cadence.

What’s included

  • 12–24 month FP&A model with P&L, cash flow, and balance-sheet links.
  • KPI dashboard (revenue mix, CAC/LTV, gross margin, payback, cash runway).
  • Capital plan (debt/equity mix, covenants, bank relationships, runway options).
  • Pricing & margin playbook (discount policy, packaging, and elasticity tests).
  • Operating cadence (monthly close, forecast updates, and accountability RACI).

How we measure progress

We track execution against milestones (hiring, launches, financing), financial targets (ARR growth, gross margin, EBITDA, cash conversion), and resilience (runway, DSCR, churn). Traffic-light statuses keep everyone aligned.

  • Trajectory check: plan vs. actual with variance commentary.
  • Liquidity buffer: cash runway and covenant headroom.
  • Action log: owners, due dates, and blockers for each initiative.

Common planning modules

Working capital

AR/AP terms, inventory turns, and cash-conversion cycle improvements.

Sales economics

CAC/LTV, channel mix, quota design, and payback optimization.

Cost structure

Fixed vs. variable mix, breakeven sensitivity, and opex governance.

Capital strategy

Debt/equity options, covenant modeling, and investor materials.

What we need from you

  • Financials: last 12–24 months P&L, balance sheet, cash flow, and cohorts if applicable.
  • Commercial data: pricing, pipeline, churn/retention, channel mix, contracts.
  • Constraints: hiring plans, capacity limits, capital needs, or covenant terms.

Who this is ideal for

Owner-managed companies and growth teams seeking a repeatable operating system—not just a budget.

Review cadence

Monthly forecast & KPI reviews, quarterly strategy resets, and ad-hoc scenario updates for major decisions.

Getting started

Book an introductory call. We’ll confirm scope, deliverables, timelines, and fees—then kick off with a baseline model and KPI dashboard.