The problem isn’t your data. It’s your model’s belief system. Every forecast carries an invisible worldview — how the company thinks growth “should” behave.But as markets shift faster than spreadsheets update, those belief systems quietly harden into constraints. The result?Your forecast doesn’t just predict the future.It limits it. At The Schlott Company, we’ve rebuilt hundreds […]
Operational Leverage Liberation: How FP&A Measures and Monetises Hidden Cost Elasticity When revenue swings, CFOs panic.When costs don’t move with it, FP&A panics louder. We’ve all seen it—sales dip 10 percent, but expenses refuse to follow.Margins implode not because revenue fell, but because costs stayed still. That’s operational leverage in action—and mis-action. Most finance teams […]
Shadow Liquidity in FP&A: Unlocking Hidden Working-Capital Levers for Resilient Enterprises Finance loves visibility.Cash, cost, margin — we model what we can see.But what if the most valuable liquidity isn’t visible at all? In every company sits a quiet balance sheet.Not the one in the ERP — the one hiding in contracts, supplier terms, deferred […]
Beyond Budgets: How FP&A Can Serve as the Third Line of Defence Most finance teams still see risk as someone else’s problem.Compliance writes the rules.Audit checks the boxes.FP&A builds the model. But every forecast is a risk statement — a reflection of where the business could break.The problem?We treat those models like math, not warning […]
The Hidden Role of Finance Every team thinks its job is to predict the future.Finance’s real job is to protect the business from the future it wants to believe in. Optimism powers growth—but unchecked, it poisons truth.Sales rounds up. Marketing projects miracles. Product trims timelines.And slowly, the forecast stops describing reality and starts describing ambition. […]
The Collaboration Myth Every CFO wants it.More collaboration.More buy-in.More “one version of truth.” It sounds progressive — until your forecast starts lying to you. In most companies, collaboration doesn’t improve accuracy.It blurs accountability.The more voices you invite into the model, the less anyone owns the outcome. At The Schlott Company, we call this The Planning […]
The Silent Exhaustion Behind Every “Updated Forecast” It starts with good intentions. A CFO wants more agility.A board wants tighter visibility.So finance does what it always does — spins up another forecast. Before long, there’s a forecast for sales, another for spend, one for headcount, and a “rolling” version that no one quite trusts.Every revision […]
The comfort of a confident machine When finance first met artificial intelligence, it felt like salvation. Models that never slept. Dashboards that self-updated. Forecasts that carried their own “confidence score,” glowing green or red like traffic lights for decision-making. But something subtle is happening across finance teams today:confidence has replaced conviction. We’ve started to trust […]
The Shift No One Wants to Talk About Every finance leader says the same thing:“We’re adding AI to our forecasting.” But few have asked the harder question:“What happens when AI starts making the decisions we used to?” Most conversations about AI in FP&A focus on efficiency — faster close cycles, automated consolidations, variance detection. Those […]
The Paradox at the Heart of Modern Finance Your forecast isn’t wrong.It’s overfit. Across finance, teams have become masters of calibration—tight ranges, decimal-perfect models, immaculate reconciliations.And yet, the moment markets shift, those models freeze. We’ve mistaken accuracy for intelligence.We’ve built systems that can measure everything but learn nothing. At The Schlott Company, we call it […]