Cash flow is the foundation on which financial planning is based.

A cash flow management plan can allow for discretionary spending, while helping clients manage upfront expenses and still save for their long-term goals.

Your Financial Formula

One of the goals of a sound financial strategy is to find the appropriate mix of investments. At the bottom of our illustration are cash alternatives, which have low risk but also offer the lowest potential return. As you move higher up the illustration, each section represents the opportunity for higher potential return, but also carries higher risk.


The reason why cash alternatives are at the foundation of a well-balanced portfolio is that cash alternatives allow you to meet short-term and unpredictable expenses. Having cash and cash alternatives also may allow you to manage other investments — rather than selling at what could be an inopportune time.

Keep in mind that allocating your assets among different investments is an approach to help manage investment risk. It does not eliminate the risk of loss if security prices decline.

Where to Put the Money

For that portion of a portfolio that must be liquid, most investors consider one or more of four places. Each has drawbacks and advantages.

A plan for creating wealth may cover:

  • Regular Savings

    Little can be achieved financially, without establishing a regular, disciplined savings pattern. We will help you find the disposable income you never knew you had, and put it to good use.

  • Investment

    True wealth is built from wise investment. We customise each investment portfolio to suit your personal circumstances, risk tolerance and time frame.

  • Clearing Debt

    Not all debt is your enemy, but having a clear strategy to manage and eliminate debt over time is essential.

Control de gestión (Controller)

El ’Controller’ participa en la elaboración de los presupuestos de la empresa y fundamentalmente analiza y sigue el cumplimiento de los mismos.



Después de analizar por qué se producen las desviaciones, aconseja a la dirección en la toma de decisiones, por lo que debe tener capacidad analítica, estratégica y una visión global de la compañía.

Para que la empresa pueda cumplir sus objetivos, la dirección debe conocer mensualmente cómo marcha el negocio. El controller es el profesional encargado de facilitar esta información al directivo. Tras la aprobación de los presupuestos, el controller vigila si se producen desviaciones respecto a los objetivos marcados y analiza los motivos por los que se han producido.

De modo que asesora a la dirección y a las diferentes unidades del negocio sobre qué medidas correctoras llevar a cabo. El controller no toma decisiones, pero participa activamente en los planes de mejora del negocio, prestando un servicio de consultoría integral y asesorando a los máximos responsables de la empresa.

 

La presencia de Grupo HOB en Alicante y Madrid, nos permite proporcionar un servicio de consultoría integral donde precise.