Fiscal Exams

For decades men of vision have regarded businessesat all were presided over by bankruptcy courts and
as living organisms with the ability to react to stimulicredit committees.
and respond to the pressures of the marketplace. InCould this have been avoided? In many cases it was.
the modern swell of progress, businesses at theDuring these times, a CPA we'll call Bob consulted with
cutting edge of competition are pumping iron, revisitingone circuit board manufacturer whose main customers
their diets and using consultants and experts likewere prime defense contractors. Bob served as their
aerobic conditioners in programs to maximize strength"fisician." He and his client determined that for this
and powers of endurance, to ensure excellence onparticular company to compete they needed to take
the playing fields of Wall Street or Ventura Boulevard.aggressive action in a number of areas. First, in order
The best companies are those in the condition ofto price effectively, they had to institute a system
excellence, are those, like championship athletes, whowhich accurately described the costs incurred in the
are in excellent condition.manufacture of each of the boards the company
If a man wants to improve his health and conditioning,produced. They then needed to institute a system of
he goes to his physician for a physical examination. Heproduction controls which tracked orders throughout
allows himself to be poked and prodded, stuck withthe production process to determine the most cost
needles and strapped to machines so that he canefficient use of machinery and manpower. They also
discover the answer to a single question: how am Ineeded to review quality control procedures and
doing? This is what he asks his family doctor. How amtesting at all stages of production to reduce scrap and,
I doing? Certainly, it's the man's own body he's askingwith it, the cost of producing their circuit boards. Then
about, but the physician/consultant is trained to tell himthey held meetings with the company as a whole and
all the things he doesn't know about his interior and itswith individual departments to get everyone involved in
health, about the prescription for diet and exercise thatthe "new" operations, to obtain employee input, which
will make him more fit and productive.was incorporated when applicable into the streamlining
The rules of health apply to the body business as well.of operations, and to get people excited about what
When was the last time your company had a fiscalthey were doing. They let them know how important
examination? What kind of shape is your business in?they as employees were to the company and how
How is it doing? Where do you find a "fisician" totheir efforts would lead to increased efficiency and
answer these questions? Look no farther than yourprofitability. And they established a profit sharing plan in
full-service certified public accounting firm. Full-servicewhich all participated, so that employee efforts also
CPA's have years of experience dealing with businessproved monetarily rewarding.
conditions and assessing the relative health of theThis company survived and grew while competitors
companies with which they deal. They know how todied. There was no magic involved, just an accurate
recognize the telltale signs of change, both in theirreading of the external and internal conditions affecting
clients' operations and in the marketplace, and are ableone circuit board manufacturer, an accurate diagnosis
to make observations and recommendations regardingof the problems facing the company, and the
those changes.production and implementation of a prescription for
Take the case of XYZ, Inc., the well-knownchange.
manufacturer of printed circuit boards. For years allWhat Bob did was perform a fiscal examination of his
XYZ had to do to secure a government purchaseclient. What his investigation of factors extrinsic and
order for military-use circuit boards was to make a bid.intrinsic to that company revealed, he shared with his
The price was what XYZ said it was. No questionsclient, and his client acted upon those findings. The
were asked. No answers were offered. And all wereclient acknowledged the existence of a problem when
happy in this paradise in which cost and price were nohe retained Bob, sort of like you and I do when we go
object, in which scrap was just trash. There wasto the family doctor and tell him we're not feeling good,
heavy demand, barely enough suppliers to meet thatand the family doctor checks us over and tells us
demand and huge backlogs of orders. And then thewhat we need to do to feel better.
President and Congress decided that maybe we hadBut doctors insist that we see them at times when
enough new weapons systems, that maybe we didn'twe're not feeling ill. They want us to have a check-up
require a military as large as it was and that maybeonce a year so that we can see if there are any
we could cut back in what we spent for militaryconditions present of which we are each unaware but
hardware. Things changed. Demand decreased whilewhich, if undiscovered, might prove injurious or even
the number of suppliers remained the same. What dofatal to us. We don't tell our doctors that they're being
you think happened?excessive, that we think they're just trying to line their
What happened was that companies saw their ordersown pockets at our expense. Because we know
from the government begin to shrivel. They began tothey're not. They have our health and welfare at heart;
compete for orders that their competitors had beenthey want us to be patients for a long, long time. So
filling at whatever price they could charge.are full-service certified public accounting firms. Your
Government procurement agents saw this and pittedCPA wants you as a client to be around for a long,
suppliers against one another in bidding wars.long time. When he recommends a complete fiscal
Competition for available jobs drove prices down.exam for your business, it's so that he can uncover
Costs remained constant or increased. Thoseany potentially life-threatening conditions existing in your
companies which lacked full job costing systems orbusiness before those conditions can do serious
had failed to monitor quality sufficiently well to reducedamage, so that he can proactively keep his clients
scrap rates on complex multi-layered circuit boardsresourceful and competitive in today's marketplace. No
found themselves in unfamiliar territory, losing orders,one wants to see a client panhandling on a Wall Street
losing money and losing out. Many circuit boardcorner, muttering, "I coulda been a contender."
manufacturers died, including XYZ. If obituaries wereCall your CPA today. Don't ask him how he's doing.
written, they were written in the business sections ofAsk him how you're doing. Arrange for a fiscal exam
newspapers. The only funerals which were attendedto find out. You'll be thankful you did.