Auto Repair Business Consulting San Marcos TX

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Ruben Ruiz (RFC®), CHFC, CLU, MSFS
(512) 396-2487
1920A Corporate Dr 106
San Marcos, TX
Company
The Ruiz Financial Group, Inc.
Qualifications
Education: BBA, MSFS, CLU, ChFC. CSA, RFC
Years of Experience: 25
Membership
IARFC, FPA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, personal Coach, Retirement Planning, Tax Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Mortgage Loans, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Business Coach, Education Plan, Healthcare Accounts, Asset Protection, BuySell, Compensation Plans

Data Provided By:
Nathan Moore
(830) 481-0404
New Braunfels, TX
Coaching Types
Business, Career, Entrepreneurship
Rates
$0/Hr

Data Provided By:
Alan D. Pepperdine (RFC®), CPAPFS, CSA
(972) 241-4170
14445 Webb Chapel
Dallas, TX
Company
Cornerstone Retirement Group, LLC
Qualifications
Years of Experience: 18
Membership
IARFC, SCSA, AICPA
Services
Invoice, Business Planning, Retirement Planning, Tax Planning, Tax Returns, Seminars Work, Annuities, Life Insurance, Long Term Care Insurance

Data Provided By:
Alicia Marie Fruin
(512) 989-2230
Austin, TX
Coaching Types
Business, Leadership, Health and Fitness
Rates
$180/Hr
Gender
Female
Membership Organizations
PCC

Data Provided By:
Mr. James C. Neathery (RFC®), CSA
(817) 790-0405
115 South Friou Street
Alvarado, TX
Company
Senior Asset Solution
Qualifications
Years of Experience: 19
Membership
IARFC, MDRT, FPA
Services
Invoice, Business Planning, Portfolio Management, personal Coach, Retirement Planning, Tax Planning, Seminars Work, Annuities, Life Insurance, Long Term Care Insurance, Business Coach, Education Plan, Asset Protection, BuySell

Data Provided By:
Mr. Horace Daniel Lovelace (RFC®)
(830) 625-1856
1208 Camellia Ln
New Braunfels, TX
Company
HDL Consulting LLC
Qualifications
Education: Texas Tech Univ. BBA Financial minor Economicssecurities registrations include Series 7, 66 (63,65)Holds the State of Texas General Life and Health Insurance license
Years of Experience: 11
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, Education Plan, Charitable Foundations, Asset Protection, Compensation Plans

Data Provided By:
Carol Harris (RFC®), CFP, CHFC, CLU
(818) 431-1499
350 Rufe Snow Dr
Keller, TX
Company
State Farm Insurance
Qualifications
Education: BSE @ Ouachita Baptist University, Arkadelphia, Arkansas
Years of Experience: 24
Membership
IARFC, FPA, NAIFA
Services
Invoice, Business Planning, Pension Planning, Retirement Planning, Seminars Work, Employee Benefits, Mutual Funds, Mortgage Loans, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Auto Home Insurance, Charitable Planning, Education Plan, Healthcare Accounts, Charitable Foundations, Asset Protection, BuySell, LiabCover, Compensation Plans

Data Provided By:
Van M. Pearcy (RFC®), MBA
(432) 683-0000
2020 West Cuthbert Avenue
Midland, TX
Company
Van Pearcy Financial Services
Qualifications
Years of Experience: 23
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Planning, Seminars Work, Employee Benefits, Family Offices, Stocks and Bonds, Mutual Funds, Mortgage Loans, Precious Metals, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Group Insurance, Charitable Planning, BuySell, Compensation Plans

Data Provided By:
Raul Torres (RFC®), CPA
(361) 854-0822
4118 Ayers St.
Corpus Christi, TX
Company
Raul Torres CPA
Qualifications
Education: BBA, MBA
Years of Experience: 13
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Executive Compensation Planning, Retirement Planning, Tax Planning, Tax Returns, Seminars Work, Employee Benefits, Mutual Funds, Mortgage Loans, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Group Insurance, Charitable Planning, Education Plan, Asset Protection, BuySell, Compensation Plans

Data Provided By:
Michael David Kolacz (RFC®), CEP, LUTCF
(972) 404-9300
6860 N Dallas Pkwy Ste 200
Plano, TX
Company
Chase Warner Financial, LLC
Qualifications
Years of Experience: 28
Membership
IARFC, MDRT, FPA, SFSP, NAIFA, NICEP
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Medicaid Planning, Tax Planning, Tax Returns, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Mortgage Loans, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Education Plan, Healthcare Accounts, Asset Protection, BuySell, Compensation Plans

Data Provided By:
Data Provided By:

Don't Overlook The Easy Dollars To Add To Your Bottom Line

Whether applied to our business or our daily lives, we can either use financial data to improve or make corrections that will change our financial future, or repeat history and continue with the same results.

As I began to review the profit and loss statements from last month, I was reminded of something I learned long ago. Financial data, although very useful, is just a snapshot of the past or history.

I’ve seen so many shop owners over the years have the right tools for the job, and they attend training to improve their technical skills, but when it comes to shop management, they look at the financials as if they were a foreign language. Taking control of some of the numbers can really affect the bottom line.

Breaking the Mold
In general, I think we’re all creatures of habit; we do certain things because they’ve ­become patterns. So while change may not always be easy, it’s necessary for a healthy business. I like to really dissect my fixed costs on an annual basis, in an attempt to make changes that will add dollars to the bottom line. For example, this past year, we changed carriers for both worker’s comp and liability insurance with a savings of almost $6,000.

For another example, we’ve been with the same credit card processing company for 10 years and, upon reviewing the costs, I’m in the process of switching to a company that should save us about $350 per month.

We also changed vendors on some of our shop supplies. We had been paying $23 per gallon for a specific product, and, by switching vendors, we are now buying a similar product for under $10 per gallon. With usage quantities in the five-to seven gallon per week range, this has resulted in a savings of more than $4,000 per year. Any time I can put $6,000 or $4,000 to the bottom line without bringing in a new job, I’m all for that!

These are just a few examples of ways to put more dollars to the bottom line without selling anything extra. They are “hidden” dollars that I would rather see on my bottom line than on someone else’s. With the daily challenges we all face with just trying to rebuild engines, we sometimes overlook these easy dollars.

Re-Evaluate Your Gross Profit Percentage
Another area most shop owners let fall between the cracks is gross profit on parts. Gross profit is the difference ­between revenue and the cost of the part before overhead. Here’s my ­philosophy on gross profits:

– Lower prices do not always equate to increased sales in the auto repair business; and

– Any sales resulting from lower prices will require you to sell more to maintain the same level of profitability.

Generally speaking, if you raised your gross profit on parts sales by 1%, it would require a 4% increase in sales to realize the same gain. Increasing sales is always a desirable scenario, but, in reality, we have more control over...

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Babcox Media • www.babcox.com
3550 Embassy Parkway
Akron, OH 44333
330-670-1234 • (FAX) 330-670-0874