Smart Strategies for Effective Investment Allocation

Investment allocation is the strategic process of distributing your money across different asset classes—such as stocks, bonds, real estate, and cash—to optimize returns while managing risk according to your financial goals and time horizon. This fundamental investment principle determines approximately 90% of portfolio performance variation over time, making it the single most important decision investors face.

As the founder of Complete Controller, I’ve spent over 20 years helping businesses across every industry manage their financial futures. Through thousands of client consultations and portfolio reviews, I’ve witnessed firsthand how proper investment allocation transforms financial anxiety into confidence and turns modest savings into substantial wealth. Recent data shows that younger investors are embracing this wisdom earlier than ever, with 37% of 25-year-olds now utilizing investment accounts compared to just 6% in 2015—a generational shift toward deliberate wealth building that excites me about our collective financial future.

What is investment allocation, and how can you master it?

• Investment allocation means dividing your portfolio among stocks, bonds, cash, real estate, and alternative investments based on your goals, risk tolerance, and timeline
• Setting the right allocation requires clarity on your objectives—whether seeking growth, income, or capital preservation—and matching them with appropriate asset mixes
• Periodic rebalancing maintains your intended allocation as market movements shift your portfolio’s composition over time
• Proper diversification extends beyond asset classes to include geographic regions, market sectors, and investment vehicles
• Mastering allocation helps grow and protect wealth for anyone willing to learn, not just sophisticated investors

The Fundamentals of Investment Allocation: Building a Resilient Portfolio

Investment allocation begins with understanding how different asset classes serve distinct roles in your portfolio. Stocks provide growth potential but carry higher volatility. Bonds offer stability and income while typically delivering lower returns. Cash preserves capital and provides liquidity but loses purchasing power to inflation. Alternative investments like real estate and commodities add diversification through different risk-return profiles.

Your personal financial inventory forms the foundation for smart allocation decisions. Start by cataloging all assets, debts, income streams, and future obligations. This comprehensive picture reveals your true capacity for risk and highlights gaps in your current allocation. Many clients discover they’re overconcentrated in employer stock or underallocated to international markets simply because they never took this crucial inventory step.

Assessing your starting point

Setting investment allocation goals requires brutal honesty about where you stand today. Calculate your net worth, review your cash flow, and identify specific financial objectives with clear timelines. Whether you’re saving for retirement in 30 years or a home down payment in 3 years dramatically impacts your optimal allocation.

Risk assessment tools provide valuable guidance, but nothing replaces honest self-reflection about your emotional tolerance for volatility. The best allocation strategy fails if you panic-sell during market downturns. Match your investment horizon to your risk appetite—longer timelines allow for more aggressive allocations since you have time to recover from market setbacks.

Determining your risk tolerance and horizon

Investment allocation by risk level follows predictable patterns based on investor psychology and mathematical realities. Conservative investors typically hold 20-40% stocks with the remainder in bonds and cash. Moderate investors often target 50-70% stocks, while aggressive investors may hold 80-100% equity exposure.

Time horizon acts as a natural risk mitigator. Young investors with 40-year timelines can weather significant volatility that would devastate someone retiring next year. The “Rule of 110” suggests subtracting your age from 110 to determine your stock allocation percentage—a 40-year-old would hold 70% stocks. While simplistic, this framework provides a reasonable starting point for age-appropriate allocation.

Investment Allocation Strategies That Stand the Test of Time

Different market conditions and investor needs call for distinct allocation approaches. Strategic allocation maintains fixed targets regardless of market movements, rebalancing periodically to restore intended weights. This buy-and-hold approach minimizes transaction costs and emotional decision-making while capturing long-term market returns.

Tactical allocation allows modest shifts based on market opportunities while maintaining core positions. An investor might increase international exposure when valuations appear attractive or reduce equity allocation when recession indicators flash red. Dynamic allocation takes this further, making frequent adjustments based on quantitative models or market momentum.

Strategic vs. tactical allocation

The strategic vs. tactical allocation debate misses a crucial point—both approaches work when implemented consistently. Strategic allocation suits investors who prefer simplicity and recognize their limitations in market timing. Historical data shows that maintaining a disciplined 60/40 allocation through all market cycles delivered 6.9% annualized returns over 150 years with remarkably low volatility.

Tactical allocation appeals to engaged investors willing to monitor markets actively and adjust positions based on valuation metrics or economic indicators. Success requires genuine skill in identifying opportunities and the discipline to act contrarian when markets reach extremes. Most investors overestimate their tactical abilities, leading to performance-chasing behaviors that destroy returns.

Popular portfolio models

The classic 60/40 portfolio split between stocks and bonds remains popular for good reason—it balances growth with stability while requiring minimal maintenance. During the worst market crash in history (the Great Depression), a 60/40 portfolio declined 52.6% compared to 79% for pure equity holdings, demonstrating meaningful downside protection.

Target-date funds automate allocation adjustments based on retirement timelines. Vanguard’s LifeStrategy funds exemplify this approach, gradually shifting from growth-oriented allocations to conservative mixes as investors approach retirement. These funds delivered 6.71% returns over the past year compared to 5.26% for their peer group, validating the systematic approach to age-based allocation.

Diversification Done Right: Protecting Your Investments

True diversification extends far beyond owning multiple stocks. Effective risk management requires spreading investments across asset classes, geographic regions, market capitalizations, and economic sectors. Each dimension of diversification reduces specific risks while maintaining return potential.

Within equity holdings, balance domestic and international exposure to capture global growth while reducing country-specific risks. Small-cap and large-cap stocks behave differently across market cycles. Growth and value stocks often move in opposition. Technology and utility stocks respond differently to interest rate changes. Building portfolios with intentional exposure across these dimensions creates resilience.

Diversify investment allocation across asset classes

Diversifying investment allocation starts with the major asset categories but shouldn’t stop there. Within bonds, mix government and corporate issues across various maturities. Short-term bonds provide stability while long-term bonds offer higher yields. International bonds add currency diversification and exposure to different interest rate cycles.

Real estate investment trusts (REITs) provide liquid exposure to property markets with attractive dividend yields. Commodities like gold traditionally hedge against inflation and currency devaluation. Each alternative asset class adds unique risk-return characteristics that enhance overall portfolio efficiency when combined thoughtfully.

Alternative assets and geographic spread

Allocating to alternative investments has become increasingly accessible through liquid fund structures. Private equity exposure through interval funds allows participation in company buyouts and growth investments previously restricted to institutions. Infrastructure funds capitalize on global needs for transportation, energy, and communication assets.

International diversification proves especially valuable during periods of US market stress. While correlation between US and international markets has increased due to globalization, meaningful opportunities for reduced volatility remain. Emerging markets offer higher growth potential despite increased volatility, while developed international markets provide exposure to different economic cycles and currency movements.

Avoiding Common Mistakes in Investment Allocation

Overconcentration represents the most dangerous allocation error, whether in a single stock, sector, or asset class. Employees holding excessive company stock face career and investment risk simultaneously. Technology investors in 2000 learned painfully that sector concentration multiplies downside risk regardless of individual company quality.

Overdiversification creates different problems through excessive complexity and costs. Owning 20 mutual funds doesn’t improve diversification if they hold similar securities. Each additional holding increases monitoring requirements and potentially creates tax inefficiencies. Most investors achieve adequate diversification with 4-6 well-chosen funds covering major asset classes.

Behavioral mistakes in investment allocation

Behavioral mistakes in investment allocation stem from predictable psychological patterns. Loss aversion causes investors to hold losing positions hoping to “break even” while selling winners prematurely. This tendency locks in losses while limiting gains—precisely opposite to successful investing.

Recency bias leads investors to overweight recent performance in allocation decisions. After strong equity markets, investors increase stock allocation just as valuations peak. Following market crashes, they reduce equity exposure at precisely the wrong moment. Breaking this cycle requires systematic processes that override emotional impulses.

The importance of regular rebalancing

Neglecting rebalancing allows market movements to distort carefully planned allocations. A 60/40 portfolio can drift to 70/30 or 50/50 based on relative performance, fundamentally altering risk exposure. Setting rebalancing triggers based on percentage deviations (such as 5% moves) maintains intended allocations while avoiding excessive trading.

Tax considerations complicate rebalancing in taxable accounts. Selling appreciated assets triggers capital gains taxes that reduce long-term returns. Tax-loss harvesting—selling losers to offset gains—provides one solution. Another approach involves directing new contributions to underweight asset classes rather than selling winners.

The Human Element: How Your Mindset Shapes Your Investment Allocation

Investment success depends more on investor behavior than investment selection. The most sophisticated allocation strategy fails when abandoned during market stress. Understanding your psychological tendencies and building systems to counteract them determines long-term outcomes.

Overconfidence plagues even experienced investors. Research shows 64% of investors believe they possess high-level investment knowledge despite evidence that cognitive biases consistently undermine decisions. Recognizing this gap between perceived and actual competence creates space for improvement through education and systematic processes.

Building discipline through systems

Creating written investment policy statements forces clarity about goals and strategies before emotions interfere. Document target allocations, rebalancing triggers, and conditions for strategy changes. Review this document during market extremes when emotions run highest.

Automation removes emotional interference from routine decisions. Automatic investment plans dollar-cost average into markets regardless of headlines. Automatic rebalancing maintains allocations without requiring active decisions. These systems compound small advantages into significant long-term outperformance.

Action Steps: Creating Your Personalized Investment Allocation Plan

Building your investment allocation plan begins with honest assessment of your current situation and future goals. Calculate your net worth, project future income needs, and identify specific financial objectives with timelines. This foundation determines appropriate risk levels and asset allocations.

Choose an allocation strategy matching your engagement level and expertise. Strategic allocation with annual rebalancing suits most investors through simplicity and effectiveness. Document your chosen allocation and establish specific triggers for rebalancing. Select low-cost index funds or ETFs implementing your allocation efficiently.

Fund your portfolio systematically through automatic investment plans. Regular contributions regardless of market conditions build wealth through dollar-cost averaging. Schedule annual reviews to assess progress and adjust for life changes. Major events like marriage, children, or career changes warrant allocation updates.

Monitor your portfolio quarterly but avoid impulsive changes based on short-term performance. Compare actual allocation to targets and rebalance when deviations exceed predetermined thresholds. Track costs carefully—fees compound negatively just as returns compound positively. Even small fee differences create substantial long-term impact.

Final Thoughts

Investment allocation stands as the cornerstone of financial success, yet its implementation requires balancing mathematical optimization with psychological reality. The evidence overwhelmingly supports diversified portfolios maintained through disciplined rebalancing, but only when investors stick with their plans through inevitable market cycles.

My decades of experience at Complete Controller have taught me that successful allocation combines knowledge with systems that enforce discipline when emotions threaten sound judgment. Whether you’re just starting your investment journey or managing substantial portfolios, the principles remain consistent: diversify thoughtfully, rebalance regularly, and maintain perspective through market turbulence. For personalized guidance on implementing these strategies in your unique situation, the experts at Complete Controller stand ready to help you build and maintain allocations aligned with your goals.

Frequently Asked Questions About Investment Allocation

What is investment allocation in simple terms?

Investment allocation is dividing your money among different types of investments like stocks, bonds, and real estate to manage risk while pursuing your financial goals. Think of it as not putting all your eggs in one basket—you spread investments across categories that behave differently to protect and grow your wealth.

How often should I rebalance my investment allocation?

Rebalance at least annually or when any asset class drifts more than 5% from your target allocation. Research shows that threshold-based rebalancing (triggered by specific deviation amounts) generates better results than calendar-based approaches, adding 15-22 basis points annually to returns while maintaining your intended risk level.

What is the 60/40 portfolio, and is it still relevant?

The 60/40 portfolio allocates 60% to stocks and 40% to bonds, balancing growth with stability. Despite recent challenges during simultaneous stock-bond declines, its 150-year track record of 6.9% annualized returns with reduced volatility remains relevant for moderate investors, though some experts now suggest higher equity allocations for longer time horizons.

Should I include international assets in my allocation?

Yes, international diversification reduces dependence on any single economy and provides exposure to different growth opportunities. While US-international correlation has increased, international markets recently outperformed with 18.1% returns versus 6.4% for US markets, demonstrating the cyclical nature of geographic performance that rewards patient diversification.

How can behavioral biases affect my investment allocation?

Behavioral biases like loss aversion, recency bias, and overconfidence lead to poor timing decisions and suboptimal allocations. Investors experiencing losses feel twice the emotional impact of equivalent gains, causing them to sell low and buy high. Regular systematic reviews and automated rebalancing help counteract these psychological tendencies.

Sources

• “Comprehensive Guide to Different Asset Allocation Strategies.” SmartAsset. https://smartasset.com/investing/asset-allocation-strategies
• “How to build a diversified portfolio in 6 easy steps.” Saxo. https://www.home.saxo/learn/guides/diversification/how-to-build-a-diversified-portfolio-in-5-1-easy-steps
• “The Smart Investor’s Guide to Strategic Asset Allocation.” Bank at First. https://www.bankatfirst.com/personal/discover/flourish/smart-investors-guide-strategic-asset-allocation.html
• “7 Tips To Diversify Your Investing Portfolio.” Bankrate. https://www.bankrate.com/investing/tips-for-diversifying-your-portfolio/
• “Investment Strategy.” Fidelity (PDF). https://www.fidelity.com/bin-public/060wwwfidelitycom/documents/wealth-planninginvestment-strategy.pdf
• “Portfolio diversification strategies.” TD Direct Investing. https://www.td.com/ca/en/investing/direct-investing/articles/portfolio-diversification
• “Asset Allocation Guide: What Is It & How Does It Work?” Merrill Edge. https://www.merrilledge.com/article/what-is-asset-allocation
• “Guide to diversification.” Fidelity. https://www.fidelity.com/viewpoints/investing-ideas/guide-to-diversification
• “Beginners’ Guide to Asset Allocation, Diversification, and Rebalancing.” Investor.gov. https://www.investor.gov/additional-resources/general-resources/publications-research/info-sheets/beginners-guide-asset
• “Portfolio diversification: What it is and how it works.” Vanguard. https://investor.vanguard.com/investor-resources-education/portfolio-management/diversifying-your-portfolio
• “Investment portfolios: Asset allocation models.” Vanguard. https://investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Reviewed By: Brittany McMillen

Brittany McMillen

Brittany McMillen is a seasoned Marketing Manager with a sharp eye for strategy and storytelling. With a background in digital marketing, brand development, and customer engagement, she brings a results-driven mindset to every project. Brittany specializes in crafting compelling content and optimizing user experiences that convert. When she’s not reviewing content, she’s exploring the latest marketing trends or championing small business success.

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Here are some ways to cut costs to get you started.

Down Your Electricity Bills and Consumption

It’s simple. Luckily, the amount of cash your business can apply monthly on gasoline and electricity is more than affordable. Also, consider overall energy efficiency. Replacing old fluorescent or even incandescent bulbs with LEDs and switching to more energy-efficient gear and applications are two easy ways to save. It could save your company from spending hundreds of those that would otherwise be lucrative dollars on unreasonably high energy bills.

Check Your Insurance Policy

Reviewing your business insurance package or existing policies can save you thousands of dollars annually – or monthly, depending on your needs.

Take the period to speak with an experienced business insurance agent. Explain the specific circumstances of your business and determine what exposure your company needs, then create a custom package that reflects that. Don’t skimp on insurance coverage enough to expose yourself to unnecessary risk and liability – don’t pay for the coverage your business doesn’t need.

Improve Recruitment and Personnel Management Processes

It’s no secret that people are the most significant expense for many companies. Hiring, recruiting, and retaining staff is a considerable investment, not to mention additional costs like managing payroll and posting your position on third-party job boards.

Every business is different, and at some point in its growth, you may find that you save money by outsourcing all your HR functions. You may find that hiring a “general HR specialist” is an excellent first step, so you have someone on your team to help with recruitment and compliance and things like payroll. When calculating possible scenarios, including the time you or your team spend on repetitive tasks and the payroll costs associated with that time, don’t forget to factor in infrastructure costs, including benefits, when hiring a full-time employee.

Invest in Your Online Presence with Digital Marketing

 From here, look at the structure of your website itself and how visitors navigate through it. This article on optimizing your website (for strategic consultants, but the advice is relevant for every business with a website) is a great guide to get you started.

The best thing you can do to save money on digital marketing is to ensure you direct your efforts toward your target market. First, who is your target market? If your answer is “everything,” return to the drawing board. Building a buyer persona will help you focus on specific messages and ads that appeal to the right people. You can expend much money and effort if you are unsure who your ideal client is.

From there, focus on your web metrics. Before spending money on a marketing campaign, map out your KPIs: the metrics you want to influence. Maybe they are visitors to your site, the number of people who made a purchase, aincreasedconversions, or even repeat customers. If you outsource work to a marketing agency or decide to invest in an internal marketing role, weigh the costs and benefits before signing up on the dotted line.

When you want to cut items from your marketing budget, start with things that don’t contribute to your core business goals. If your investment in Facebook ads resulted in 20,000 new subscribers, but they don’t attribute to any new business, look out for this discrepancy. Maybe it’s time to refocus the campaign, or you’ll get a better ROI by putting those marketing dollars elsewhere. The key to saving on costs is to review them regularly. Consider hosting a monthly or quarterly budget review meeting as part of your regular business plan review. You can even include a SWOT analysis in your review once or twice a year. New ideas and changes in strategic direction will undoubtedly affect where you spend money and how much. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Although a tiny number of investors are ready to collect income from their portfolios without waiting for them to increase, many other investors want to see their portfolios grow. They are willing to wait for them much longer. You can say that they have the patience for it.

Defining the Growth

When it comes to investing, you can describe growth in various ways. Any growth in account value, such as when a certificate of deposit pays interest on its principle, is considered growth in the broadest terms. However, growth is usually based on investment returns in the investment world. Growth can come in the short and long term but don’t be fooled by its charm, and be critical when thinking about growth.

Buying and Holding

The most straightforward technique for attaining growth is buying and holding investments, which may also be one of the most effective over time. The results are that investors who buy stocks or other growth assets and maintain them in their portfolios with modest monitoring are frequently pleasantly pleased. People are often weak in holding, which leads them to sell it as it goes down, which leads them to lose; people need to understand that such things take time.

Timing the Market

Those who pay closer attention to the markets or specific assets can outperform the buy-and-hold approach if they can accurately predict the market.

This method will provide far more significant returns than merely keeping an asset over time and will also need the skill to assess market conditions accurately.

For the ordinary trader who cannot constantly track the market, it may be preferable to eschew timing rather than focus on alternative high-return tactics.

Assortment

Investors use this technique frequently in conjunction with the sales strategy. Diversification may minimize or eliminate many distinct forms of risk, including company risk. Several analyses have proved asset allocation among the essential elements in market returns, especially over extended durations. Sometimes mixing the techniques is perfect because there are times when one sales strategy is not working, and there are not many options left; people sometimes forget to assortment. It is beneficial to increase the chances of your portfolio using variety. One of the side effects is that people are not very good with mixtures, which tends to lead to mistakes. One of the best things to do when using an assortment is to learn from experts first.

Investing in the Right Sectors

Investors seeking rapid growth should look to industries such as tech, medical, infrastructure, and smaller businesses, which provide better returns in terms of increased risk and instability. Longer hold durations and good investment selection might help mitigate this risk.

DCA: Dollar Cost Average

DCA is a simple investing method that equity funds employ the most. A client will set aside a certain amount of money to be utilized to acquire shares in one or many more mutual funds regularly. Because the fund price will fluctuate from one purchase period to the next, the investor will decrease the total cost basis of the shares by purchasing fewer shares when the price is higher and more when the cost is low.

As a result, dollar-cost averaging helps the investor to make a more significant profit from the fund over the term. The primary benefit of DCA is that it eliminates the need for investors to bother about purchasing at the high end of the market or precisely timing their purchases.

Your portfolio can be a space to express yourself, amaze future employers, and make your work stand out. However, portfolio websites can be challenging to create.

Because graphic designer portfolios differ from front-end developers, we’ve included various other creative examples to get you started. Where should you start? What work should you possess, and what should you leave out? Not to mention the design and coding required to build a portfolio website.

These are a few of the best tips around.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Avoiding debt may seem complicated. But keeping your finances in balance is possible with a few easy steps. As a result, you will get out of debt. For that, we have separated five simple tips that will help you get out of debt:

Have a Structured Financial Plan

Structured financial planning is the first step to achieving a stable financial life and getting out of debt.

Planning your finances in a structured way helps you have an accurate idea of your expenses. Thus, knowing the reality in which your finances are inserted is possible.

Planning ensures your bills are in order, and you cannot just pay everything you owe. But you can also make your dreams and goals come true, save money for the future, and have a financial reserve for emergencies. And reach a stable standard regarding your finances.

• Good financial planning relies on considering the three pillars of financial security:

Basic financial security refers to the ability to guarantee the payment of essential expenses, which have to do with survival and a minimum standard of quality of life, such as food, housing, education, health, and recreation.

• Unforeseen protection; To be protected in an emergency

Thus guaranteeing funds for the payment of unexpected expenses without generating debts.

Stability: It involves saving money so that in the future, you and your family can conserve your standard of living after retirement.

Keep Track of all Your Expenses

Another step you need to take to get out of debt for good is to keep all your spending under control. That is, you must carefully detail your entire budget.

Control of your expenses, although it seems, at first sight, something complicated to achieve, can be earned and practically.

The technology even offers a way to control all your spending and thus quickly protect your pocketbook from debt.

Prefer Cash and Cash Purchases

One of the most innovative ways to pay off debt permanently is to make cash purchases whenever possible. And, preferably, make the payment in cash.

The main factor of indebtedness of most people in arrears is the installations, especially with credit cards or credit cards. So, avoiding them is a great strategy.

In addition to avoiding installment debt, cash purchases are often advantageous for the consumer, especially if made in cash. Due to the interest related to the installations, cash purchases tend to be cheaper.

Another factor in favor of purchases made with cash is that, unlike card purchases, by purchasing in this way, you can feel the financial impact on your budget at the exact moment you are buying. Unlike the card, when you only feel that impact, there is one in front when the bill arrives.

In addition, most commercial establishments offer discounts that are usually relatively high for those who prefer to pay in cash and cash.

So, in addition to escaping installment-related debt, you can save a lot by paying your bills this way.

An excellent alternative to avoid credit card purchases is to create a weekly cash withdrawal routine and use only the amount withdrawn to use that week.

Escape from Unnecessary Expenses

Avoid unnecessary spending if you want to escape debt and maintain a healthy financial life. Although, at first glance, it seems minor.

This point is straightforward: if you don’t need to buy something, don’t buy it.

Small, unnecessary expenses are the things that most irritate people’s financial lives and lead to the appearance of debts.

Thus, one of the best methods to protect your pocket from debt is to avoid unnecessary expenses and small expenses that you may even consider silly but, in the end, can significantly damage your budget.

As we said before, it is good that you know exactly how your money is being spent, and once you have this notion, the idea is that you make the necessary adjustments in your spending and only keep what is needed.

Calculate the Total Amount of How Much You Owe and Settle Your Debts

If you already have some accumulated debts, and you need to pay them to get out of the red, the first step you should take is not to make any more debts at this time, that is, at least until you get out of the red., do not go into debt again.

The second step is to figure out the exact amount of how much you owe right now, especially if you owe more than one creditor.

After organizing your pending items, putting the total of everything you owe on the tip of your pencil, decide how you will start paying them, separating them according to the priority of each one.

The oldest pending items have priority in payment since interest accumulates over time, and it can become increasingly difficult to make the price the longer you delay.

Before applying for a loan, try to renegotiate your debts with your creditors.

Be smart about paying off your debts and avoid fees if possible. You will most likely get deep discounts if they offer you the chance to pay everything you owe at once when negotiating with the creditor. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

When relatively advanced computers began to appear in the 1980s, and the prospect of the development of the Internet echoed in the air, many thought that digital technologies would make work easier, leaving more time for personal life.

After 20 years, not a single office could do without computers. The digital technology revolution has not just happened but triumphantly marched worldwide, covering all areas of activity. But the next massive leap in computer technology was yet to come. Today, a person’s life in a developed society is unthinkable without a smartphone or other portable device that provides Internet access everywhere. It means your work accompanies you anytime, not just in the office for 8 hours daily. As a result, technology did not make life easier but only increased work productivity, distributing it in a thin layer over a sin. Home dinner must be combined with business correspondence with the chef and walking with a girl, and you suddenly remember that you must urgently check your e-mail. And so, it becomes increasingly frequent until your life becomes routine maintenance of your career. Subsequently, this can lead to burnout and stress. You can avoid this by finding the right balance between work and personal life. What does work-life balance mean? In many people’s modern rhythm of life, it looks like some interests are superimposed on the framework of other goods. You won’t surprise anyone with the phrase “I’ll be late at work,” “Let’s meet next weekend. Otherwise, I’m working on this”, etc. There can be some reasons why a person imperceptibly refuses his personal life. Lack of money and career ambitions are one side of the matter, rather material, and therefore more meaningful. But there is another – psychological. A forced workaholic can cause dissatisfaction with their personal life. In this case, the reason and effect are reversed, but the negative impact on the person remains the same. Balance allows you to equally appreciate both components of life – work, and pleasure, which not only do not mutually eliminate each other but also bring additional meaning.

How important is the balance? High professional employment in our time no longer carries the perception of a forced sacrifice. Violating the balance between work and life in favor of the first is becoming increasingly popular. Self-care quickly becomes a fashion trend, indicating a person’s demand or success. It has gotten to the point that many perceive work intervention in personal life as the only way to secure a high working status and remain competitive in the eyes of the head. This opinion is erroneous and somewhat resembles an attempt to justify the inept distribution of working time or unwillingness to do something else. In this article, we do not allow discrediting overtime work. Working more than the norm, for example, at the rudimentary stage of a career, the initial stage of a business, or when managing a complex project. But when it becomes an endless series of filling in the gaps, we are talking more about the wrong approach. Your productivity in the workplace is unlikely to improve if you give yourself carte blanche to fix things at home. In addition, by reducing attention to other aspects of life, at some point, you may believe in their lesser significance. If you push into the background, say, the relationship with your girlfriend, then in return, you will receive a corresponding negative response. And this will be another erroneous argument for the importance of work over personal life.

Instead of personal life, we choose work. The catchphrase often justifies excessive devotion to one’s profession: “Choose a job you love, and you won’t have to work a day in your life.” You can accept his statement as accurate, with the only amendment that the love of one’s work does not exclude the significance of everything else. If your favorite dish is fried chicken, then this does not mean that you should exclude all other foods from the diet.

Other parts of your life require just as much attention. It is great luck to find your favorite thing for which you can get good money. But think about whether you would agree if that deprived you of the other pleasures of life. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Driven professionals achieve more. That’s why we’ve set out the essential building blocks for a successful career. With the mastery of these seven career goals, you lift yourself to a higher level:

Develop Your Skills

• Become the team player
• Think agile
• Excel as a leader
• Become visible with personal branding
• Dare to make a career switch

Make an Impact as a Professional

Making a career is about getting the best out of yourself, your team, and your projects.You achieve this by constantly clarifying your ambitions and discovering your drive and pitfalls. By consciously and step by step on your development, you guide your career and let yourself and others excel!

Step 1: Develop your soft skills

(Soft) skills are essential for the next step in your professional career. With new challenges come more responsibilities. It involves unique qualities. You have the hard skills, knowledge, and expertise; now, challenge yourself to achieve the maximum by mastering our skillset. Here you will find all the soft skills that will help your career further.

These skills are essential for your next step:

• Assertiveness
• Autonomy
• Networking
• Developing vision
• Present
• Pitch
• Self-reflection
• Problem analysis
• Time management
• Creativity

Step 2: Become the ultimate team player

You don’t make a successful career on your own. That’s why it is strategically important to be a good team player. Do you want to go higher? Then you must work together constructively and learn to manage and convince colleagues. Clear communication is crucial in a team; good teamwork takes you further!

What are the qualities of a good team player?

• Communication
• Communication skills
• Scrum
• Convince
• To influence
• Meeting
• Discuss
• Intercultural communication
• Interdisciplinary collaboration
• Intervision
• Co-creation
• Stakeholder management

Step 3: Think agile

Agile is a philosophy and mindset that every ambitious professional must adopt for a successful future. It’s the power switch that kicks your career into high gear. The challenges below lend themselves perfectly to the agile method.

These challenges lend themselves perfectly to the agile method:

• Kanban
• Lean vs. Agile
• Design thinking
• Change management
• Autonomous teams
• Product owner
• Scrum master

Step 4: Excel as a leader

Brilliant organizations have unique CEOs, and ambitious professionals become successful leaders with the correct drive. How do you develop decisive leadership during your career, and what leadership style suits your personality and organization? Learn different leadership methods, which you can apply at every new step in your professional career to let talents rise above themselves.

These are the nine ways to inspire leadership:

• Personal leadership
• Leadership Development
• Leadership Styles
• Delegate
• Creating support
• Coaching
• Stimulate ownership
• Competency management
• Inclusive leadership

Step 5: Make yourself visible with personal branding

Like success, you must share your knowledge and experiences throughout your career. You do this by developing yourself as an authority in your field of expertise, profiling yourself as an expert, and maintaining your authenticity. Personal branding is essential if you want to increase your visibility. Take your next step now!

• Increase your visibility through
• Position yourself
• Thought leadership
• Influence on LinkedIn
• Authenticity
• Profile yourself
• Ethics
• Specialize

Step 6: dare to make a career switch

There is no single path to your success. There are many ways to get to the top. A career path takes you through multiple organizations, exciting projects, and various positions, but your goals and ambitions can also change. Are you still on the right track, or do you have to make a turn?

It is how you approach your career switch smartly and successfully.

• Career switch step-by-step plan
• Continue to grow
• Making your work meaningful
• Retraining

Step 7: Make an impact as a professional

Making an impact is crucial to taking yourself and your organization to a higher level. It is how you make progress and achieve subsequent success in your career. With an enterprising, driven, and daring attitude, you set a team or project in motion again. You must show guts, push your limits, and step out of your comfort zone.

Push yourself and make an impact with these skills:

• Growth mindset
• Being ambitious
• Vigor
• To have courage
• Result-oriented working
• Entrepreneurial work

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

1. Only mass mailings

Mass mailings to the email addresses of funds and business angels will surely get investments in a start-up. Investors love this kind of thing, especially when they copy-paste in the text or see the addresses of other investors in the open copy. For them, this is a sign of the highest efficiency of an entrepreneur who does not waste time studying the individual characteristics and investment focuses of the participants in the correspondence but immediately gets down to business.

Receiving the answer: “Good afternoon, your application is under consideration; we will contact you if we are interested,” you can be sure that the money is already in your pocket. And let the spiteful critics say that this is an automatic response of the mail service – they are simply jealous of your success and enterprise.

2. Not a word without an NDA

Always ask the investor to sign an NDA before starting negotiations, even the first meeting. Don’t be misled by requests to see a presentation or materials “just for fun” and assurances that the investor has probably seen this many times before and will see it an infinite number of times after. After all, investors regularly embody the most successful ideas independently, deftly deceiving an unpretentious entrepreneur. Indeed, you have a brilliant idea that you can steal.

3. Only weaklings change their minds under the pressure of hard facts

Commitment to your idea is the main rule of a true entrepreneur. Devoutly following it and believing that only you understand how to bring an idea to life and build a great company will also help you communicate personally with investors and mentors. Vigorously defend your positions, do not accept criticism, and do not show that you are ready to bend under the capitalists and make changes even to the business model, not to mention reconsider the idea. Perhaps this will scare off the wrong investors who do not appreciate such qualities of a real entrepreneur and are afraid that this will lead to conflicts in the future. And let the envious call it a lack of flexibility and perception of reality.

4. Take more immediately

When it comes to how much money you need to start a project, ask and take as much as possible. Firstly, you have several years of work ahead of you to bring the project to life, and secondly, there is never a lot of money.

5. Embrace high founder salaries

A natural entrepreneur knows what kind of cars are in trendy co-working spaces and that you can’t buy one with a paycheck “to keep your pants up.” By the way, having received the first tranche, plan your vacation in a good place. The tired head of the company does not think well – allow yourself to rest.

6. Impromptu is a well-known key to success

Have you ever heard that you should save your most essential investors for later and start practicing pitches on your grandmother? And that’s for losers, too. A natural entrepreneur does not trade for trifles – he immediately catches a big fish. Suppose the investor does not understand you the first time. In that case, he will continue to communicate until he understands precisely what problem you are solving and how, as well as what your advantage is about existing analogs, competitors, and substitutes. And if you fail to do this at the first meeting, you will always prepare and schedule a second and third, if necessary. After all, it is an investor’s job to find nuggets because of painstaking work with entrepreneurs.

7. Write in text, write a lot, and leave pictures for children

Have you ever heard of Guy Kawasaki’s rule for successful 10/20/30 presentations? Ten slides and a font size of at least 30? It’s all nonsense! Packaging all the material on the project into ten drops in this format is impossible. In general, as already written above, personal meetings and pitches are extra, but if you still run into an investor at a venture party, give him a project presentation. After all, you still can’t tell a lot of essential details in a few minutes. And yes, do not save on paper – print your presentations in total. One of the last presentations I held in my hands consisted of 50 pages, which I carefully read. After all, the project’s author saved the most interesting for the second half.

8. Speak in an incomprehensible and scientific language – show your expertise

Do you want money to commercialize the technology? Surround yourself with professional investors, even at this stage and among business angels. They already know everything about the market and its problems, so instead of talking about banal things and chewing, you can immediately move on to the details.

9. You are a star!

Everyone should know about this. Friends and partners do not believe in you, and former classmates do not want to do business with you. It is what investors are looking for! They like to invest in self-centered loners.

10. Splurge – duel is for wimps

Do not be afraid to throw dust in the eyes of a future investor. Embellish everything – the uniqueness of the idea, the assessment of the market, competitive advantages, and other things that no one will ever double-check. You were asked an uncomfortable question after the presentation – a lie. An obvious lie? Ask to sign an NDA before disclosing details. And if they discover that you embellished the numbers and said something directly opposite to the facts, they will appreciate your ingenuity and ability to dodge. The goal of an entrepreneur is to make money, and the purpose of an investor is to invest money for profit. Therefore, relationships initially based on mutual trust are necessary for developing a serious business, and you do not need them.

11. And, finally, the most crucial lousy advice. Always get only your own experience

He is priceless. Education is for the weak. It is better to go through many attempts and iterations in just 40 years. But for sure.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

There are different ways to improve an organization’s human resources efficiency. First, they will depend on the goals and objectives of the organization, the specifics of its activities, production indicators, and other factors. There are no universal ways to improve the efficiency of the use of human resources; they are all strictly individual, and those measures that work in one organization may not work in another—the optimal number of employees in the enterprise. The primary way to increase the efficiency of the use of human resources is to bring the number of personnel of the organization to the number that can fully serve the organization to achieve its goals. For example, there may be too many staff, which reduces the effectiveness of a single employee, creates duplication of positions and powers, gives an extra financial burden, and hinders the organization’s development. Or there may be too few staff members in the organization’s team, so many employees cannot cope with the production standards and the duties assigned to them. Thus, an organization may need to reduce or increase its workforce. The development of requirements for hiring new employees is another way to improve the efficiency of human resources in any company, which can be the development of certain conditions when hiring new employees. It may enhance the interview procedure, new selection methods, the introduction of certification, testing, etc. These methods aim to choose the most appropriate employee for the organization’s requirements. Retaining and dismissing employees: the following option for improving the efficiency of human resource management is retraining or discharging employees who have not passed certification or professional testing, given at the analysis stage.
It is necessary to decide how to deal with employees who make many errors in testing and production activities. Working hours are essential in improving the human resource management system so the organization can review the operating hours. For example, reducing the working day is possible if an organization can complete its production plan less. If the demand for the organization’s activities on weekdays is minimal and increases on weekends, emphasis should be on personnel involvement in work. Based on the inquiry into the organization’s activities and the use of human resources, you can change the production standards for each employee, the requirements for the duties performed, job descriptions, organizational structure, etc. Also, based on the results of the analysis, you can send some employees to advanced training courses, professional retraining, and additional training. This method requires optimal financial investments in employee training, which will bring extra profit to the organization in the long run. The manager is responsible for identifying the most suitable employees for further training. It would help if you bore in the brain that human resource management implies regulating the activities of employees and individuals employed in the organization. That is why approaches to increasing human resource use efficiency can be complex and individual. Employee motivation, as a rule, competent motivation of employees underlies the effective management of human resources and the organization.
The process of staff motivation is impossible without a systematic approach: since all people are different, the methods of influencing them must also differ and correspond to one or another type of personality of the individual, his character, values, and beliefs. Staff motivation is a system of internal and external influences on the individual, inducing him to perform his professional functions as efficiently as possible. When applying the systemic method, divide the incentive methods into group and individual, which, in turn, are based on retention, attraction, and ensuring effective labor. It would be best if you carried out the competent motivation of the organization’s personnel at all levels of human resource management. In the personal story of stimulation, an employee’s main psycho-emotional, physical, social, and other characteristics are determined and, on their basis, carry out the motivation process. At the group level of influence, certain situations are formed, for example, in the form of a game, performing any tasks, projects, solving cases, etc., to unite the team and make it coherent and efficient. At the organizational level of impact, manage personnel using economic and political incentive methods. They are the organization’s image in the market, the reputation of the workforce, and its managers and others.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

In conditions of change, you can successfully plan your professional development. Here are five steps on how to do it.

1. Pushing the boundaries

First, ask yourself the central question: what exactly do I mean by “building a career”?

Unfortunately, society still believes a career is only a way to lead. But this is another myth of the creators of “successful success.” A specialist in a narrow niche can earn as much as his manager and even more. Also, a generalist can be no less influential than his director.

A specialist can narrow competence to personnel assessment and be super-demanded by large companies. They are looking for a person with various assessment tools who understands when to use them and has methods for multiple departments and industries.

The other pole is HR Generalist. Such a person knows a little of each direction and can gain the necessary expertise depending on the task. It is a tasty morsel for many companies, significantly growing ones. For example, I got to HRBP (HR Business Partner. – Ed.) because of my vast expertise in many projects.

Such experts can influence the level of HR Director and earn no less. However, they are lower in the hierarchy.

You can get burned if you go into management out of necessity and not desire. We had an example at TECHIIA when they transferred a designer to the lead position. Still, everyone quickly realized that constant communication and other managerial tasks almost did not drive him. He rolled back to his last job and found new ways to add value and pay.

2. Choose an approach

There are two main approaches to career planning.

The first one is hard.

“I know where I want to go, and I pave the path there. To illustrate, I want to be the head of my department, and I upgrade certain skills. Whatever it is, I will realize this goal here or elsewhere.”

At a career consultation, I had a client who wanted to work purely in intellectual property. The experience was small, but the desire was huge. So much so that she knocked on all companies without stopping and on all channels; ultimately, they took her to one of the best law firms in Ukraine – they could not resist her energy.

Or a case not from a career. A friend of mine once decided to live in Portugal. Despite my warnings that they needed to prepare carefully and that it would take a year or two, after a week, she took a backpack, $400, and left. I found a place to live and a job. I have been there for over a year.

I respect this approach. True, it is more suitable for people on whom loved ones are not very dependent because a rigid binding to one thing and experiments is a risk. Especially now, when the company may turn on optimization tomorrow, the profession and the whole industry may die due to the crisis.

3. Highlight the target

The next question is: “What and how much do I need?”

When we rely on external guidelines, we overestimate our needs. Because of this, the whole point of a career can fly to hell.

Fresh example. The head of a large department of a successful, stable business came to me for a consultation. The processes are well-established, and the team is excellent. But he is tired and looking for “a job that should bring pleasure.” He wants to free himself and get a project manager in a creative agency.

We found out that the client needs to see the results of their work and be closer to something good. At the current work, there were only numbers and plates. But he only saw the shell. The project’s work involves many tasks in conditions of uncertainty, difficult communication with creatives and customers, and the cosmic pace of work.

Lastly, the client honestly admitted to himself that he wanted to feel beautiful, but not in this way. In conclusion, it is worth starting a hobby related to creativity: drawing, organizing exhibitions, and the like.

4. Explore the zone of proximal development

In career development, I identify four main areas:

• Leading position
• Functional expansion
• Transfer to another job
• Complete career change

There is a conditional fifth way – a need that can be closed right here: recognition, influence, and gratitude. And there is a road “to the neighboring forest” – your own business. But this is a separate big topic.

When you have specifically defined a direction for yourself, I recommend that you, In the first place, take a closer look at your current site of work. Perhaps this is where your desired position is?

Every company has written and unwritten success stories. Often, the latter is of value, which you will not find in career matrices from HR.

There are companies where they like it when a person is straight and sharp, and there are teams where it is customary to grind sharp corners. In some companies, the chief accountant runs everything. In others, HR has the final say.

5. Identify the gap and how to bridge it

If your plans are not related to the current place of work, you should determine the gap between what you already have and what you need in a new position. There are three tools for this.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Every day, there are risks in the context in which you develop, at work, on the street, on transport, etc. Any incident can harm you, leave you disabled, or lead to death. Living inside a bubble or having a remote control to manage each situation is impossible, so it is best to prevent it. Although some of that culture is needed, insurance is a way to protect your life and provide security for your assets or heritage.

What are the benefits of having insurance? A recurring question. Although some consider insurance an expense whose benefits are worth the cost, the truth is that insurance is an economic plan that allows you to face certain life circumstances, such as a simple car crash or death.

Is it essential to have life insurance?

1. Security for family and assets

Insurance gives the opportunity to take care of or think about the future of family members and take care of assets, such as the house or the car.

A car can be the first benefit a person acquires in his working life, and any incident could put it at risk. Auto insurance protects you from damage or theft.

 You can also protect a house from natural disasters, accidents, or theft.

There is also health insurance that explains medical expenses, tests, etc. The significant thing about this type of insurance is that it takes care of the person’s health in an accident or illness.

Life insurance is an economic prevention plan that provides and seeks peace of mind for family members and the insured himself.

2. Financial guarantee

In case of any possibility, insurance is a financial assurance for the insured’s family, leaving personal finances flexible without losing the opportunity to face certain events in the future that could otherwise put economic and financial balancing at risk for a person or family.

3. Trust and freedom

Specific experiences or desires are ignored in many events, such as going on a trip, buying a new well, achieving a project, etc. There are a few expectations of fortuitous occasions that may happen. But, with insurance, security is guaranteed (and forgive the redundancy).

Regarding this type of event that can occur, you can enjoy life in a more relaxed, accessible, and, of course, safe manner.

In case of an event, you are accessible in the financial part because your insurance will provide you with economic coverage.

4. Improve the business activities

 Help improve the business activities of the insured, the insured who will invest in a business field if some of the investment risk (the insured’s business) can be covered by insurance to reduce risk.

5. Credit guarantees

 Insurance policies can be used as credit guarantees (insurance server as a basis of credit), usually only for life insurance, and are very selective on particular credit and banks.

6. Means of saving

As a means of saving, the insured money has a cash value that you can withdraw for certain kinds of insurance, such as whole life or endowment insurance. There are also insurance products that intentionally combine investment, namely unit links.

The instrument for transferring and spreading risk through insurance and providing certainty is another benefit of insurance. Insurance seeks to reduce the uncertain consequences of an adverse situation (peril), which you cannot predict so that the costs or financial implications of the loss are particular or relatively specific.

Conclusions

Some risks can harm your financial stability and peace of mind every day. But insurance is an affordable plan that gives you many benefits. Which are? Security for relatives and assets, financial security, confidence, and freedom.

Regardless of the insurance you choose, you have the certainty that you could face any fortuitous event that occurs in your life.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.