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October E-News 2016
With the first week of the 4th Quarter under way, we wanted to bring you food for thought on money and efficiency.   With that, let’s move quickly into this edition.  

As always, thank you for reading and feel free to share your comments, questions, or suggestions regarding current or future topics.  If you would like to learn more about Clayton Paulk and Associates, please email us at  

Cash Flow is King


Cash flow problems can be the most consuming aspect of running a small business.  With obligations to employees, suppliers, Uncle Sam, and others, a lack of cash can dominate every aspect of your day.  It affects your decision making and puts your focus on cash flow rather than profitability.
If you find yourself in this situation, make sure that you consult with wise counsel to help avoid critical mistakes such as not paying taxes (particularly payroll and sales taxes).  Also, be sure to communicate, even if it’s not comfortable, and be sure to live up to your commitments.  Under promising and over delivering will build trust. 
A quick checklist of items to remember to improve financial health:
  • Commit to a written budget and review monthly financial statements. 
  • Know what your break-even point is and specifically which of your products, services, and customers are your most profitable.  Many times a business can do less volume and make more net profit. 
  • Good Decisions comes from Good Data.  Just like you review your budget every month, review your benchmarks (the numbers that are most important to you).  If you need assistance in determining what these benchmarks are, please pick up the phone and ask for advice.
About the contributor:  Gary is a partner at Clayton, Paulk  & Associates.  He holds a BS degree in accounting from Presbyterian College in Clinton, South Carolina and he received his CPA designation in 1978. Gary was with Clayton, Paulk & Associates from 1978 until 1991, at which time he formed a computer network integration company.  He rejoined the firm in 2009 as a partner.  His  main emphasis is on monthly accounting services and business consulting.  

Health Insurance. . .
$2,000 Penalty or Promising Solution?

By Bill Jarvis, Managing Partner,
Benefits Resources Group, LLC.

Employers and business owners are looking for one good idea. The one we often hear is, how can they reduce medical premiums? 

One idea is called MEC Plus. MEC is for minimal essential coverage, which is one of the two key components of all health policies under the Affordable Care Act. 

MEC Plus is a compliant plan that enables employers to avoid the $2,000 per employee ......more 

About Our Contributor: Bill represents BRG for all Individual Major Medical plans in Georgia for both on and off the Exchange. In addition, Bill works with Senior planning such as Long Term Care Insurance, Medicare Supplements, Prescription Drug Plans, and Medicare Advantage plans. He has obtained industry designations as a Certified Life Underwriter, CLU; and, a Registered Health Underwriter, RHU. 

Look Before You Leap!
Efficiency before expansion is the optimal strategy.

By Yoel Yohan, Partner, The Progress Group

One dollar of clear profit looks different for all businesses and efficiency before expansion is the optimal strategy.  After talking to manager’s time and again, the pattern is consistent.  1) Work Faster, 2) Work to look busy and 3) Work with less people.  Looking deeper……more  
About our contributor: Yoel is a process improvement/reengineering specialist with over 40 years of experience working with such major companies as UPS, SunTrust Bank Financial, Compaq/HP, Allied Signal, Adidas, and JC Penney. For UPS, he led a $200 million construction project to open a new facility in central Chicago that improved operational efficiency, reduced sorting effort by 50%, and generated savings of $300 million per year. His book, The Corporate Drain—Solutions for the Inefficient American Workplace, discusses the pathological process inefficiencies prevalent within business today.

Entrepreneurship and the U.S. Economy

Entrepreneurship plays a vital role in our economy. New businesses and job creation are key and the following highlights from data series produced by BLS Business Employment Dynamics (BED) program provides insight on the contribution of young and small businesses to the overall number of businesses and jobs in the economy.  ...more...

To see "the bigger picture," click on the chart to view more from the BLS.

SO YOU KNOW....Snapshot Of The Big Picture in Georgia

Ask the Expert

Looking for specific advice or an opinion without fee or obligation from a trusted expert?  We are always wanting to serve our clients as a resource for all areas of their business.  Clayton Paulk has valuable relationships with professionals who can offer feedback in many areas.  

Click on a topic below to initiate a conversation with an expert! 

 Important Tax Dates  

Click on the image above to Direct to the IRS Tax Calendar 
About Us
From the day Clayton, Paulk & Associates opened its doors in 1953, our guiding principle has been to put our clients' needs first. Our goal is to protect and grow our clients' financial futures. We achieve this through building relationships, offering personal services, as well as sound advice. Our success stems from the success of our clients. As we meet their needs, our clients refer us to the people they care about. Mutual trust, respect, and understanding grows over time. Visit to see how we can meet your needs.
Contact Us
Copyright © 2016 Clayton Paulk and Associates, All rights reserved.

Clayton Paulk & Associates
100 Crescent Centre Parkway
Suite 300
Tucker, GA 30084