The Art of Investing

The year-end close for a construction company is more complex than for most other industries. Unlike standard businesses that record revenue at the point of sale, construction firms must navigate percentage-of-completion accounting, retainage, job costing, subcontractor compliance, multi-state tax exposure, bonding and WIP reporting, and equipment-heavy operations. Because of these unique challenges, closing the books in the construction industry requires a disciplined, multi

The start of a new year is a pivotal moment for any construction company. It marks the transition into a new cycle of bidding, planning, staffing, and financial management, and it sets the tone for profitability and stability over the next twelve months. For a construction company, the Chief Financial Officer (CFO) plays a critical role during this period. The CFO’s decisions in the first few weeks of the year can determine whether the company experiences steady growth, chaot

Small businesses today face financial challenges that are far more complex than simply tracking revenue and expenses. Cash flow cycles fluctuate, tax obligations shift, margins tighten, financing needs evolve, and owners often find themselves overwhelmed by financial decisions they were never trained to make. As businesses grow, the need for professional financial leadership increases—but hiring a full-time Chief Financial Officer (CFO) is costly and often unnecessary for com

As you grow into adulthood, you’ll be pulled in many directions—by your ambitions, friends, society, and the markets. Money won’t be the most important thing in your life, but how you handle it will shape your freedom, your opportunities, and even your happiness. I’ve spent my life allocating assets for families, institutions, and myself. What follows is a letter—really, a roadmap—of what I’ve learned. Consider it my attempt to pass you a compass for your financial journey. 1

Unlike public companies, private businesses don’t file 10-Ks, 10-Qs, or investor decks —so a solid financial analysis requires more digging, forensic thinking, and structured modeling. Whether you’re an investor, acquirer, lender, or internal operator, this guide walks through a professional-grade, step-by-step framework  for analyzing a privately held business. 1. Start With Core Financial Statements For a meaningful analysis, collect at least three full fiscal years  of: In

If you’ve ever driven past a vacant house in West Virginia and wondered, “Could I buy that for a fraction of retail?”, you’re in the right place. WV’s delinquent-tax system creates a pipeline of tax lien  opportunities that can lead to a deed— if  you follow the statute to the letter. Below is a practical, investor-oriented guide built around the current rules, timelines, and gotchas. The 10,000-Foot View WV is a tax-lien state.  You don’t buy the property at first—you buy th

Bitcoin ETF's: Leverage your conviction In the world of investing, finding the right balance between growth and stability is often the...

Debt Free in a Fractional Banking World Dave Ramsey has built a loyal following through his clear, values-driven approach to personal...

Investing in law enforcement agencies, such as the West Virginia Police, is crucial for maintaining community safety and upholding the...

It has been a year and a half since my last blog post. I finally feel as if I can get my head above water from the distractions, stress...