{"id":3148,"date":"2025-09-16T19:57:52","date_gmt":"2025-09-16T19:57:52","guid":{"rendered":"https:\/\/www.b2bcfo.com\/art-bottoms\/?p=3148"},"modified":"2025-09-16T19:59:00","modified_gmt":"2025-09-16T19:59:00","slug":"q4-advice-for-business-owners","status":"publish","type":"post","link":"https:\/\/www.b2bcfo.com\/art-bottoms\/q4-advice-for-business-owners\/","title":{"rendered":"Q4 Advice for Business Owners"},"content":{"rendered":"

September Strategy: A Panel of Strategic Business Advisors Share Recommendations for a Powerful Q4<\/strong><\/p>\n

Running a business takes more than industry expertise, it requires ongoing reflection, performance measurement, and the ability to adapt in the face of any business climate. As we enter the final quarter of 2025, it\u2019s a natural moment to pause, take stock of the year so far, and chart a clear course forward. To help you make the most of this pivotal season, we\u2019ve gathered a panel of B2B CFO\u00ae Partners, including myself, who share strategies and timely advice designed to help business owners use this time wisely, to finish strong and plan for the year ahead.<\/p>\n

Art Bottoms, B2B CFO \u00ae <\/sup>Partner
\nTake Stock of the Owner\u2019s KPI: Mental Clarity and Personal Balance<\/strong>
\nWe measure revenue, profitability, cash flow, and customer retention, but what about the business owner\u2019s state of mind? This season, owners should carve out time to retreat, recharge, and refocus. Art Bottoms shares, \u201cBusiness owners carve out so much time for everyone and everything but themselves.\u00a0 If they are the captain of the ship, it\u2019s important that they get to recharge so they can prepare for the unchartered waters ahead. This is the perfect time to reflect on what\u2019s worked, what hasn\u2019t, and the wins you\u2019ve achieved. Step away from the daily grind of the business to reimagine the company you want to build.\u201d<\/em><\/p>\n

Art encourages owners to measure your own leadership growth and passion for running the business. The business owner\u2019s energy, positivity, and balance directly impact all areas of the company. \u00a0Schedule intentional time away from the office to really think clearly about why the business exists, who you serve, and what makes your company different. It could be a weekend retreat or a quiet afternoon offsite. \u00a0\u201cPhysical distance from your business creates mental space to reflect without distraction. It\u2019s in these quiet moments that clarity often emerges.\u201d<\/em><\/p>\n

Steve Nevin, B2B CFO \u00ae<\/sup> Partner
\nForecast with Precision<\/strong>
\nOne of the most powerful tools in a business owner\u2019s arsenal is a detailed forecast. \u201cAs we enter Q4, I urge clients to build a month-by-month roadmap for the coming year,\u201d<\/em> shares Steve. He recommends starting by reviewing your current year\u2019s performance and identifying key goals for growth, investment, and improvement. Break those goals into actionable monthly milestones, including projected revenue, expenses, staffing needs, and strategic initiatives. Align each month\u2019s plan with seasonal trends, industry cycles, and internal priorities to ensure consistent progress and adaptability. Include planned investments in personnel, technology, and infrastructure.<\/p>\n

For those with profit-sharing plans, define your target EBITDA and allocate your profit-sharing pool accordingly. A clear forecast transforms ambition into action and sets the tone for a disciplined, data-driven year ahead. \u201cThe fourth quarter is also the ideal time to revisit assumptions, challenge outdated models, and incorporate lessons learned from the current year.\u201d
\n<\/em>
\nKim Sherman, B2B CFO\u00ae<\/sup> Partner
\nReflect, Refine, Reignite<\/strong>
\nAs we enter the final quarter of the year, there\u2019s a familiar sense of renewal that often feels more like a fresh start than January itself. Kim Sherman encourages leaders to begin Q4 by celebrating what\u2019s gone well. \u201cRecognizing wins, big or small, fosters gratitude and shifts focus away from what didn\u2019t go as planned,\u201d she shares. \u201cIt\u2019s a powerful way to energize your team and build momentum heading into year-end.\u201d<\/em><\/p>\n

Kim also recommends taking a hard look at year-to-date performance by reviewing financials, identify opportunities for strategic planning and tax positioning, and engage your team in honest reflection.\u00a0 A simple start-stop-continue exercise can help clarify priorities and align<\/p>\n

efforts for the year ahead. She cautions against letting short-term urgency distract from long-term vision: Extend your projections into 2026 and beyond. Ask what resources you\u2019ll need, and who needs to be on board to make it happen.<\/p>\n

\u201cDon\u2019t wait for December to start thinking about taxes and audits. Meet with your CPA now to prepare and complete filings early so you can focus on next year\u2019s initiatives.\u201d<\/em> She also recommends reviewing lending covenants to ensure you’re well-positioned for line-of-credit renewals, especially if growth is on the horizon. With compensation planning, pricing, and insurance renewals taking center stage, she reminds leaders not to overlook their tax position.\u00a0 Take time to evaluate whether key initiatives and expenses should land this year or next and act early enough to plan accordingly for budgetary plans.<\/p>\n


\nDavid Wood, B2B CFO \u00ae <\/sup>Partner
\nGet Clarity on Three Main Objectives<\/strong>
\nDavid recommends business owners to treat the fourth quarter not as a wind-down, but as a strategic checkpoint, which is why strategic planning is so critical. When he meets with his business owner clients to strategize for Q4, there are usually three key questions they drill into: Are we on track to meet our budgeted targets, and if not, what\u2019s driving the gap? What lessons from the first three quarters should inform our planning for 2026? And have we clearly communicated our Q4 priorities across all departments to ensure alignment and execution? \u00a0\u201cThese questions help leaders shift from reactive to proactive, ensuring that year-end decisions are grounded in insight and geared toward long-term success,\u201d<\/em> David shares.<\/p>\n

Marc Shirley, B2B CFO \u00ae <\/sup>Partner
\nBenchmark to Define, Compare, and Differentiate
\n<\/strong>As Q4 begins, it\u2019s the perfect time to step back and assess your competitive position. Strategic benchmarking through competitive analysis and SWOT exercises helps uncover performance gaps, validate assumptions, and sharpen your market edge. \u00a0From there, define what truly sets your company apart, what is working and what is draining resources. Marc Shirley advises: \u201cReally work on understanding and addressing your strengths, weaknesses, and competitive landscape. Use that insight to craft messaging and explore how to best capitalize on your core services and products in a way that resonates and differentiates so you can carry that into the coming years.\u201d<\/em><\/p>\n

When you know what you do best and communicate it with precision, you create a foundation for meaningful growth. Benchmarking is a diagnostic tool, but more importantly, it\u2019s a launchpad for strategic evolution.<\/p>\n

September Momentum: Reimagine What\u2019s Possible
\n<\/strong>As the year enters its final chapter, this season invites business owners to pause\u2014not just to reflect on what\u2019s been accomplished, but to thoughtfully consider what lies ahead. It\u2019s a time to realign with your vision, recalibrate your goals, and make intentional decisions that shape the future of your business.<\/p>\n

At B2B CFO\u00ae <\/strong>our mission is simple yet profound: to improve the lives of business owners. We do this by offering financial expertise and strategic business partnerships. We listen deeply to challenges, aspirations, and concerns of every business owner client. Then, together, we craft strategic, action plans designed to build long-term value and consistent success.<\/p>\n","protected":false},"excerpt":{"rendered":"

To help you make the most of this pivotal season, we\u2019ve gathered a panel of five B2B CFO\u00ae Partners who share strategies and timely advice designed to help business owners use this time wisely, to finish strong and plan for the year ahead.<\/p>\n","protected":false},"author":247,"featured_media":3149,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","cybocfi_hide_featured_image":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-3148","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"\nQ4 Advice for Business Owners - Art Bottoms<\/title>\n<meta name=\"description\" content=\"September Strategy: A Panel of Strategic Business Advisors Share Recommendations for a Powerful Q4. 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