Financial strategy
See where the money goes, what it earns, and which decisions actually change the result.
Services
Financial consulting.
Budgets, forecasts, cash flow and funding for businesses, plus planning for individuals, couples, families and high earners.
Financial consulting
Make the numbers make sense
With an MBA and a doctorate in business administration and finance, Dr. Etienne helps businesses read their numbers and plan with them, and helps individuals and families get their money organized and working toward clear goals.
No jargon and no judgment. You leave knowing where you stand, what to do next, and why.
- Businesses, non-profits and churches
- Individuals, couples and families
- Physicians and other high earners
What we work on
Six areas where the money gets clearer
Budgeting and forecasting
Capital budgeting, forecasts and the honest trade off conversations that come with a real budget.
Cash flow and profitability
Find out why profit and cash do not match, fix the leaks, and price for the margin you need.
Funding and capital
Loans, investors or growth from earnings: weigh the options and get the numbers ready before you ask.
Personal and family finance
Budgeting, debt, saving and planning for big goals, for individuals, couples and families.
Professionals and high earners
Tax-efficient growth and asset protection planning for physicians and other high earners, alongside your CPA and attorney.
Two kinds of client
For your business, or for your household
For businesses
- Budgets and forecasts leadership can trust
- Cash flow and why it differs from profit
- Pricing and margins
- Getting ready for a loan or investor
- Reports the whole team can read
For individuals and families
- A budget that fits your real life
- A debt payoff plan with a real timeline
- An emergency fund and savings habits
- Planning for a home, children and retirement
- Money conversations as a couple
Ways to engage
Start small or go deep
01
Strategy session
One focused working session on a single question, so you leave knowing the next step.
02
Project
A defined piece of work, such as a business plan, a financial model or a growth plan, with a clear finish line.
03
Ongoing advisory
Regular time with Dr. Etienne as a sounding board for leadership, month after month.
Financial consulting covers planning, budgeting and decision making. It is not a recommendation to buy or sell any investment, and Dr. Etienne is not a registered investment adviser, CPA or attorney. See the Disclaimer.
Questions
Good to know
Is this investment advice?
No. Financial consulting is about planning, budgeting and decisions. It does not include recommendations to buy or sell specific investments. For that, and for tax or legal questions, work with a licensed professional.
Do you work with individuals and couples, or only businesses?
Both. Many clients are households who want a clear budget, a debt plan or a plan for big goals.
Can you work alongside my CPA or attorney?
Yes. Dr. Etienne can work alongside the professionals you already have, so the plan fits your tax and legal situation.
What is the difference between financial and business consulting?
Financial consulting is about the money: budgets, cash flow, funding and planning. Business consulting is about direction and execution: strategy, growth, operations and leadership. They can run side by side.
Other services
Explore the rest of what we do
Get your numbers working for you.
Tell us whether this is for a business or a household and what you want to sort out. We reply within one to two business days.