No one wants to pay more taxes than they have to, yet everyone wants to maximize the value of their business. Business owners often put as many expenses on the business as possible in order to minimize “profits” and their associated tax liabilities. EBITDA, or Earnings Before Interest, Taxes, Depreciation and Amortization, is a measure […]

Title agencies trade for many reasons.  Some sell to create efficiencies and better cope with rising costs of operations and compliance. Others sell simply because the owners are approaching retirement. Similarly, buyers come in all shapes and sizes. It only takes one buyer — the right buyer — to realize your dreams for the sale […]

ProsperitasForward targets margins of 22% for all of our clients as a baseline. We increase that number where our client’s footprint is in states with high premiums, and decrease that number where our client operates in low premium states. Margins less than 15% are our biggest red flags. When margins are unimpressive, we like to […]

The only thing worse than being a fraud victim is finding out afterwards that your “cyber” coverage actually does not cover you the way you thought it did. Not all insurance policies are created equal, and unless you know what to ask for, your coverage may leave you empty handed. In the insurance world, the […]

We all know the feeling: hunched over our computer and frantically typing away as we desperately attempt to complete the critical project of the day. Our head is angled down toward the computer, our neck is tight, our shoulders are rolled inward, and our spine is curled. We are in the “stress pose.” A walk […]