A plan for the micro business

1. The NINJA Small Business
&
The Next Generation of
Entrepreneurs

2. Budget Savings Consultant
Financial Efficiency Manager
Money Organizer

3. 120 Days worth Bank statements
2 months bills
Last Quarterly investment statements
Last 2 Pay Periods
Create an Excel Budget
Assistance with ONLINE Enrollment
Review Spreadsheet
Online Money Management Servicing

4.  Synchronize Online Financial Accounts
 Design Personalized Budget
 Create Review Spreadsheet
 Organize Monthly Cash Flow
 Fixed Monthly Expenses
 Variable Monthly Expenses
 Unexpected Monthly Expenses

5. i. Cash Flow  Insurance
i. Credit Accounts  Review Property & Auto Coverage
ii. Payroll 

Health Insurance Plan Review
Life Insurance Strategy
iii. Business Expenses  Unexpected Insurance
ii. Written Budget
a) Fixed expenses  Savings
 Short Term Wants
b) Variable spending
 Decade Needs
c) Unexpected expenses  Long Term planning
iii. Debt Management
a) Real Estate Holdings  Investments
b) Mortgage Management  Retirement plan
c) Business Loans  Building wealth
d) Next Project Funding  Creating Assets
iv. Annual Tax Planning

6.  Cash  Retirement Savings
Savings
 Employer Retirement plan

 Cash Value Life Insurance
 Simplified Employee Pension
 Simple IRA
 Emergency Funds
 Short Term  401(k)
Investment  ROTH 401(k)
 UNI (k)
 3 year Fund  Tax Sheltered Annuity
 5 Year Fund
 10 year Fund  Profit Sharing Plan
 Company Stock
 Corporate Stock Options
 Vacation Fund
 Next Opportunity Fund

7.  Annual Tax Review
 Debt Negotiations
 Address Corrections  Debt Management
Business Legacy Planning
 Power of Attorney
 Simplified Online Money  Power of HealthCare
Management  Simple Will
 Buy/Sell Agreement
 Annual Review Spreadsheet
 BUSINESS PLANNING

8.  Maintain Cash flow Flexibility
 Immediate access Cash assets include:
 10% of Present Value Net Worth savings accounts
CD’s
 Limit Tax consequences Life Insurance Cash Values
money market accounts
 Shield market risk NQ Investment brokerage cash
Other Cash Assets
Silver and Gold Coins
 Separate Cash Assets: Alternative Assets; Collectables etc…
 Invested Cash
Assets
 Spending Cash Cash Accounts
 Emergency Cash
Business Income
 Balance Assets Real Estate
Investments