T. GERALD DYAR

SFP ASSOCIATES

Business & Financial Consultant

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• Document your current personal and business situation:
  
  
  • Financial resources.
  • Other resources.
  • Cash flow.
  • Insurance.
  • Liabilities.
  • Objectives.
  • Attitudes.
  • Constraints.
  • Unresolved problems.
    
    
• Model long range consequences of continuing on your present course with no changes.
  
  
  • Cash flow.
  • Taxes.
  • Net worth.
  • Family.
  • Business Succession.
  • Retirement.
  • Estate.
    
    
• Propose strategies to better meet your objectives:
  
  
  • Respect existing attitudes.
  • Redeploy existing resources.
  • Resolve existing problems.
  • Alleviate existing constraints.
    
    

• Model long range benefits to you of adopting these strategies.
  
  

• Same detail as "Present Course" above to allow direct comparison.
  
  
• Convert strategies acceptable to you into action items and prioritize:
  
  
  • Human cost/benefit.
  • Time cost/benefit.
  • Financial cost/benefit.
    
    
• Work with you and your other professional advisors to implement action items.
  
  
  • Family members.
  • Business partners.
  • Key employees
  • Accountants.
  • Lawyers.
  • Portfolio managers.
  • Bankers.
  • Insurance agents.
    
    
• Regularly update your long range plan as things change:
  
  
  • Action items become realities.
  • New resources are uncovered.
  • Objectives are upgraded.
  • Attitudes evolve.
  • New problems arise.
  • New strategies emerge.
  • New action items are adopted.
    
    
    
    

NOTE ON BENEFITS AND SERVICES:

I have never had, nor ever expect to have, an individual client who needed all of the above services, or received all the possible additional benefits of these services! The majority of my clients are either active or retired small business owners or professionals and/or their spouses. As such they are already very skilled and knowledgeable in many of the above action items, and I often learn a great deal from them as a result. What I am able to do is to fill in those areas for them where, because of inexperience or lack of information, interest or time, they are the weakest. One way of looking at it is that I help them become "whole".

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