In This Issue
Henshaw/Vierra Management Counsel, LLC is a management consulting firm, founded in 1997, to work with the owners and managers of private family owned businesses. Our experience comes from having been an owner, CEO and Chairman of a payroll company; consultant to payroll service bureau software companies; executives at several banks; and having served and continuing to serve on several company boards of director. Our focus is on providing payroll and workforce management companies with current advice and assistance with strategic planning and corporate development, organization—leadership and performance, operations—productivity and cost controls, and finance—risk management and audit.
Henshaw Vierra Management Counsel
We work with business owners to help them build
value, and to think about their organization and
We are advising the Board of One
Henshaw/Vierra Management Counsel, LLC
2410 Camino Ramon, Suite 224
San Ramon, CA 94583
(510) 749-3225 phone
(925) 944-1012 fax
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Interest Rates Are Rising, Time to Think about Float Again
The Crash of 2007 to 2010 took even the greatest of the money market funds down. It taught us that due diligence and liquidity matter.
Those who survived were by in large chastened by a near death experience. They now long for the 5 to 10% of total revenues that “float” and higher interest rates brought them. Rates are rising slowly. It’s time to start watching the signs and learning about where to invest funds. You will find that the environment has changed.
Regulation on the Horizon, Cybersecurity a Threat Now
The three financial service segments listed above have many good and bad things in common. At their most basic level they all deal with third party flows of funds, and with important corporate and personal data through activities and systems which, if done well, bring great value to customers and providers alike. If done poorly, recklessly, and/or through fraud can destroy people, companies, and financial systems.
Banks have been regulated by societies for three thousand years; sometimes well and to the benefit of their citizens. Sometimes poorly to their citizen’s dismay and ruin.