Brian C Jensen

When you're managing a business in today’s high-volatility supply chain environment, planning for disruption isn’t optional—it’s expected. From blocked canals to cyberattacks to political conflicts, supply chains are exposed in ways that test your company’s financial flexibility. If you want to remain competitive, your financial strategies must do more than respond—they need to anticipate. This article outlines the financial tools, risk mitigation tactics, and operational decisions you can use to stay agile, protect cash flow, and maintain momentum when supply lines break down.  Rethinking Cash Reserves for Disruption Readiness You need to start by reassessing how much liquidity your business holds. Traditional rules of thumb around cash reserves may no longer be enough. In times of uncertainty, keeping 30 to 60 days’ worth of operating expenses available in liquid form gives you room to maneuver—whether that’s buying from alternate suppliers, absorbing price surges, or accelerati...

If you run a business, you already know taxes don’t wait until the end of the year. They’re a constant part of your financial decisions—whether you’re buying equipment, hiring help, or setting aside funds for retirement. A solid tax strategy helps you keep more of what you earn while staying compliant with federal and state rules. And with the right planning, you won’t be stuck scrambling during tax season. This article covers five key strategies you can use year-round to reduce your tax liability, avoid penalties, and strengthen your financial footing as a small business owner. 1. Choosing the Right Business Structure Can Lower Your Tax Bill Your entity type directly affects how you’re taxed—and choosing the right structure can lead to significant savings. Many small businesses start as sole proprietorships or LLCs by default, but that setup might cost you more in self-employment taxes over time. If your business is consistently profitable, electing to be taxed as an S corporation ca...