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Cash Flow Planning and Development If you are constantly worried about your ability to pay the bills, you are in need of a cash flow plan. I can help you build a cash flow plan that allows you to strategically manage your business spending needs within the framework of your organization’s financial strategy

Review and Assess Operational Workflow When was the last time your business workflows and policies were reviewed and refreshed? Do you and your team feel overwhelmed just thinking about it? If so, I can show you how to reduce the burden and put the correct infrastructure in place to reduce your stress and to create efficiencies

Strategic Plan Review and Assessment Every organization should have a strategic plan. I specialize in strategic plan development, review and modification. If you or your organization is not familiar with the value of a strategic plan, I can provide a customized in-service tailored to your organization

Financial Plan Review and Evaluation Every organization should have a clear financial plan that allows your leadership team to achieve their goals, while allowing for flexibility as well as provide a safety net for unforeseen circumstances. I have spent the majority of my career working with teams to build safe, and solid financial plans that operationally connect to your strategic vision

Project Proposal & Return on Investment A key question that accompanies every project proposal is: what is the return on investment also known as ROI. Simply stated, ROI equates to what benefit is obtained and when will that benefit be realized. I’ve been providing ROI analysis for decades and can work with you to develop a solid proposal

Anxiety over financial or compliance reports?

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Does your strategic plan meet your vision?

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Do you believe your business/organization could be more efficient?

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REF Business Solutions provides services custom tailored to meet your business/organization needs.  Services include:​

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Financial Management Education Do members of your management team glaze over during financial presentations? If so, you may be in need of my in-service program to give your team a basic understanding of financial statements. This is not an accounting class; I use your organizations most recent financial reports to explain balance sheet, profit & loss, and cash flow statements, in simple easy to understand terminology that is relevant to your operation

AI Education and Data Integrity AI won't fix automated chaos! If your team isn’t filling out CRM fields, if your data sets are incomplete, document repositories are fragmented, or if your software platforms don't talk to each other, you do not have a technology problem—you have an operational problem. I step into your organization to audit your back-office data workflow, educate your team, eliminate internal friction, and permanently standardize data collection habits. • Repository Structural Audits: Mapping your current financial history and document storage to isolate and eliminate data gaps before they skew your strategic insights. Auditing data access protocols ensure alignment with special regulatory and data-handling requirements (e.g., HIPAA, FERPA). • CRM Field Optimization: Turning your CRM from a passive address book into an active operational engine by building rigid, repeatable data entry protocols. • The Directed AI Protocol: Building custom frameworks that place your leaders firmly in control of automated tools—ensuring human oversight manages the machine's boundaries and safeguards data integrity.

Contact me today to schedule a free 30 minute virtual consultation:

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Email: info@refbusinesssolutions.com

Phone or Text: (518) 879-2897

© 2026 REF Business Solutions, LLC  - All Rights Reserved.
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