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THIS IS • dein-smart CFO

SECURITY • FOR YOUR BUSINESS

• dein-smart CFO relaxes the everyday life of businesses and public figures alike. It brings ease and high standards of quality into your finances. We help you to make better decisions while using smarter tools. But over everything else we ensure that our clients do not have to waste valuable time and energy on unwanted discourse. CONTACT US

CONTACT US

HAVE TO ≠ CAN DO ≠ WANT TO

  • DUTIES AND TASKS BEYOND YOUR CORE COMPETENCY

    LIQUIDITY MANAGEMENT

    Liquidity management is one of many deciding factors fort he success of Businesses and Freelancers. It often represents a very complex task. Especially for young and/or unexperienced Entrepreneurs it can be a difficult task to maintain an overview over the current financial situation while focusing on their key role in the business.

  • DUTIES AND TASKS BEYOND YOUR CORE COMPETENCY

    ACCOUNTING

    Impeccable accounting is the key for monitoring and managing a business’s finances. Even though - it might take a lot of time and energy to precisely measure, sort and evaluate all earnings and spendings. Apart from that all documents must be regularly checked, updated and archived to comply with the law and calculate taxes. Due to this accounting might take up more time than needed.

  • DUTIES AND TASKS BEYOND YOUR CORE COMPETENCY

    BILLS AND FEES

    Open bills and demands can be managed more efficiently using an autonomous software solution. Payment reminders can be sent individually without any extra work. Interest rates and fees as well as special circumstances are respected automatically. This means the willingness to pay as well as the liquidity increases.

  • DUTIES AND TASKS BEYOND YOUR CORE COMPETENCY

    INVESTMENT-FORECAST

    An investment forecast is the foresight to know which future capital might be required.
    It helps to proactively plan and secure investments or external inputs to reach financial goals. However – in the case of the forecast being unflexible and unreliable it might cause stressful situations by creating additional financial burdens. Meaning - it is very important to always manage the financial forecast professionally or with professional help.

  • DUTIES AND TASKS BEYOND YOUR CORE COMPETENCY

    (FINANCIAL) SUPPORT

    Only around 10% of the available financial support is claimed and used by businesses. Most business owners do not possess deep expertise regarding the topic, which in effect causes them to miss opportunities, often leading to them not using the available means or claiming financial aid through their lack of knowledge.

  • DUTIES AND TASKS BEYOND YOUR CORE COMPETENCY

    BANKS: PARTNERS OR ADVERSARIES

    Bank tellers oftentimes lack entrepreneurial understanding around the investment plans of their clients. They must abide by a fixed set of rules, taking decisions only following, data, numbers and hard facts. A professional documentation and preparation of future financial investment plans in order to help future discourse is required in every possible scenario.

  • DUTIES AND TASKS BEYOND YOUR CORE COMPETENCY

    RISK MANAGEMENT

    Experienced entrepreneurs know about the importance of minimizing any possible risk regarding their business. A deep research that covers every sector – right at the beginning of operation – guarantees an optimal positioning. Following this, every optimization only requires a minimum of time.

  • DUTIES AND TASKS BEYOND YOUR CORE COMPETENCY

    INSURING THE COMPANY & COVERING IT’S NEEDS

    Many company insurances are outdated or unfit for individual needs. This can lead to gaps in coverage or even over-coverage for impossible scenarios. These problems often remain unnoticed until it’s too late and the damage has been done.
    CEOs for example can protect themselves from personal liability charges by getting an D&O insurance. This coverage can protect from cases such as committing critical errors during their work to breaches of contract, their duties or even legal fees in cases where unauthorized claims are made.

  • DUTIES AND TASKS BEYOND YOUR CORE COMPETENCY

    DAMAGE PROCESSING & SETTLEMENT / REGULATION

    Suffering critical damage is a constant possibility. Certain types might even have heavy weighing follow-up effects through fire, water, causational accidents or liability claims. An insurance that covers what is needed is up most important. But how can one rely on getting faster processing? An important question in this case is: Does the clerk work in the interest of the insurance company or their clients? Oftentimes insurance agents try to delay, lower or completely deny claims. This often causes stress, anger, frustration and the loss of liquidity. Especially in these scenarios it is important to be supported by a professional partner.

  • DUTIES AND TASKS BEYOND YOUR CORE COMPETENCY

    CREATING A CONCEPT FOR COMPANY RETIREMENT SCHEMES & HEALTH INSURANCE

    The correct usage of these instruments is extremely important for companies. An unprofessional preparation of these topics can lead to unnecessary claims and complaints from ex-employees. This is often tragic in some way, since these tools should primarily be used to bring employees closer to the company.

  • DUTIES AND TASKS BEYOND YOUR CORE COMPETENCY

    CYBERCRIME

    The numbers of known cases of cybercrime are growing globally. The constant development in IT also constantly changes the used means and types of attacks. Especially the anonymity, possibility of encryption and endless availability of the internet helps the spread and growth of cybercrime. The developers of criminal tools allow practically everyone to be a threat or even a hacker themselves.

  • DUTIES AND TASKS BEYOND YOUR CORE COMPETENCY

    PAYMENT & DEBT DEFAULTS

    Payment defaults can put a company’s existence at risk. They not only cause financial problems but also a lot of internal stress. However, many debt defaults can be prohibited in advance, when using the right means. Part of this is ensuring and controlling the possibility and willingness of customers to spend money early on. Like this it is easy to see what clients might be problematic and react accordingly.

  • DUTIES AND TASKS BEYOND YOUR CORE COMPETENCY

    FLUCTUATION

    Important workers leave their company for different reasons. High wages are not enough anymore to bind them. They need a strong sense of identification and a good sense of belonging in the company. This status can be achieved by showing and giving them appreciation, development opportunities the right to decide and a positive work culture.

RELAXATION • FOR YOUR MIND

• dein-smart CFO is the main hub and decision management for all your financial topics. Our service provides custom solutions for topics like the optimization of taxes, achieving financial aid as well as many forms of asset-, risk- and invoice-management. Through our service you can focus on your core business without constantly having to join unwanted discourse apart from your main competence. • dein-smart CFO helps you to minimize risk, avoid expensive mistakes and make the right decisions.

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• dein-smart CFO CREATES RELIEF

  • WITHOUT • DEIN-SMART CFO

    YOUR LIFE IS A RAT RACE?

    Entrepreneurs can either work for or in their own company. This separation has a major influence on their individual life-quality. Many business owners are so tightly locked in by their duties and tasks that they cannot realize themselves anymore but only react to their given situation.

  • WITHOUT • DEIN-SMART CFO

    DEPENDANT ON AMATEURS

    The finances of your company require a clear Allocation of responsibility.
    It must be defined if the entrepreneur themself, their employees or a team is responsible for the tasks. It is also important to make sure who is in charge of communicating with external partners like banks, insurances or bookkeepers/ tax advisors. Ignoring these fields or giving them only a minimum of attention might lead to crisis, especially when the company is dependent on external financial support.

  • WITHOUT • DEIN-SMART CFO

    RE/ACT?

    The success of an operation often depends on how the company is being led. Some entrepreneurs follow a clear vision and plan to reach their goals. Others might get distracted by problems that arise or ignore them completely. These differences reflect the individual strategy of the organization and culture of a company. A proactive and goal-oriented management is more efficient than staying passive.

  • WITHOUT • DEIN-SMART CFO

    FINANCIAL AID DENIED?

    Existential investments are of vital importance to businesses and require long term planning and foresight. If not made or made way too late, this can lead to major financial problems later on. Often financial aid is being rejected out of different motives. Then the one in charge is forced to search for alternative solutions. These include lowering costs, raising earnings, or finding new financial partners. A rejection can be averted in advance by preparing in the right ways.

  • WITHOUT • DEIN-SMART CFO

    FINANCIAL SUPPORT SECURED?

    The authorization of funding depends on many different factors. First it is necessary to know about possible circumstances that allow companies to receive financial aid. After that - the correct application is crucial for successfully achieving the funding. The main requirement for even getting any financial support is a broad knowledge of what kind of projects could be supported and in what way the individual corporation has to apply. With a targeted analysis the possible financial help might be secured early on and the risk of a rejection could be averted.

• dein-smart CFO DOES THIS

HIGH FINANCIAL CREDIBILITY

• dein-smart CFO causes your financial credibility to grow: Numbers and Documents are being prepared professionally. If needed we will speak with bank advisors, control plannable and clear flows of liquidity and organizes possibilities to receive potential financial aid. This causes permanent top-scoring, which consequently eases the access to external funding.

INDEPENDENCY FROM BANK ADVISORS

• dein-smart CFO reduces the dependency on bank advisors dramatically by taking on all major communication from the hands and in the name of the entrepreneur.

MINIMAL EXTRA COSTS

• dein-smart CFO examines and controls all spending streams like wages, employee on-costs and investments regarding their options to possibly optimize wages, social security costs and tax payments.

PROFESSIONAL DOCUMENTATION

• dein-smart CFO supports you to create a professional documentation of important sectors of your company. This leads to more security in matters like claims of ex-employees, that try to seek legal action towards your company.

INCREASING THE CREATION OF VALUE

• dein-smart CFO is in charge of increasing the creation of value in your company. He examines possible potentials that are hidden in your chain of value creation and tracks them continuously. This way you can increase your productivity and value alike.

SMOOTH BILLING AND INVOICE MANAGEMENT

• dein-smart CFO provides an easy digital solution for a professional invoice-management. For this we rely on a transparent platform that constantly gives an overview over all the open and received payments. Time-consuming letter exchanges take place automatically. Invoicing can additionally be requested to ensure the maximum of security regarding the receipt of payments.

EXTERNAL IMPACT

• dein-smart CFO creates a maximally professional external image. He (officially) leads the finances department of the company together with his team. Thus: removing the entrepreneur from the line of fire and potential criticism or spam. This causes every outsider to understand that alone the CFO must be convinced before any steps will be taken. This creates a strong image and increases the trust given by stakeholders.

SECURING OF FUTURE INVESTMENTS & FINANCIAL SUPPORT

• dein-smart CFO secures future investments and financial support. He constantly checks on available offers and finds the best fitting options for the company. This way future investments might be planned and secured earlier.

PREVENTION OF PAYMENT DEFAULTS

• dein-smart CFO causes a decrease of risk regarding payment defaults. If asked for, he will test future clients regarding their solvency and reliability. This way deals can be made with minimum risk.

EXCLUSIVE “BOARD MEETING” WITH MONITORING, REPORTING & FORECAST

• dein-smart CFO organizes regularly happening board meetings together with the
entrepreneur(s) – during which the most important numbers and developments in the
company will be reviewed in a soothing atmosphere. He controls, reports on and predicts the financial situation and gives valuable impulses and recommendations. These board meetings can either be held on Mallorca or in Hamburg, following the clients preference.

• dein-smart CFO is more than an assignment of competence. He is your partner for systematic and professional (re-)organization in your financial sector. He lends the company a more stable and professional external image whilst also providing an extensive overview of the deciding key figures.

This is smart financial management.

CLAUS WINKELMANN • dein-smart CFO

HOW DO WE DO THAT?

1. Receiving the necessary data for R+L management

2. Installation of liquidity tools

3. Analysis of the contracts and necessities given

4. Introduction to the tools

5. Optimization of the determined necessities

6. Creation of a year plan

BUSINESS- & BRAND DEVELOPMENT

  • WHERE • DEIN-SMART CFO SUPPORTS YOU AS WELL

    POSITIONING OF THE ENTREPRENEUR

    When you as an entrepreneur realize that your relationships, your health or your finances suffer under your work or your company, you yourself might not be positioned optimally. With our “WEWIISE” method you can position yourself and create authenticity, balance and direction in your life. With this you will achieve stability and positive development in all aspects of life.

  • WHERE • DEIN-SMART CFO SUPPORTS YOU AS WELL

    POSITIONING OF THE COMPANY

    The potential-positioning is our method to help companies reach their highest goals. With potential-positioning we systematically develop success-strategies for companies in short time frames.

  • WHERE • DEIN-SMART CFO SUPPORTS YOU AS WELL

    EXIT STRATEGY AND REGULATION OF SUCCESSION

    Every company needs an exit strategy and a regulation of succession. Because at some point in time the entrepreneur will have to leave or stop working. The question is, how does one do that and who will take on the leading role in the company. This question should not be pushed away, until it’s too late. It should be explored rather sooner than later to guarantee a smooth transition and ensure a maximally high value.

  • WHERE • DEIN-SMART CFO SUPPORTS YOU AS WELL

    MANAGEMENT, FORMATION AND SECURING OF WEALTH

    Your assets are important in many ways! You not only want to manage your wealth but also use it wisely and securely. For this - smart solutions - which provide more than just standard advice - are necessary. The challenges we have to face regarding the financial world are becoming more complex by the minute. This means that your asset management should be designed in a way that respects every possible outcome. A portfolio should orient itself in a way that the wealth is secured, no matter what happens.
    One should secure all options. This is why the investment method “ALL OPTIONS” was developed.

KONTAKT

Claus Winkelmann
Gertigstraße 12
22303 Hamburg

Phone: 040-35718411
Fax: 040-35718414

E-Mail: info@dein-smartcfo.de

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WHO IS • dein-smart CFO?

CLAUS WINKELMANN

Claus has more than 34 years of experience as an entrepreneur and adviser in the financial sector, working for one of the peak market leaders. He also leads his own company that focuses on systematic business development. Through many years of working with, watching and analyzing companies and the individual situations of entrepreneurs, Claus created the •dein-smart CFO program. He saw which problems, shortcomings and dependencies businesses face in the financial sector and how to solve the connected problems.

STEFANIE THIESS

Stefanie is active as a successful assistant for financial advisors since 2012. In 2015 she proved her many skills by completing her studies. She achieved her B.A. degree with the focus in financial sales and business in insurcance and finance. Steffi is an excellent assistant with a high degree of knowledge and experience. She is gonna reliably help her clients with all their requests.

TEAMMITGLIED

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