Publicado por el 06-06-2024

Coaching fiscal y financiero para familias empresarias

Objetivo: buscar nuevas formas de pensar y de actuar

En la empresa familiar, donde las finanzas y las relaciones personales a menudo se entrelazan, el coaching fiscal y financiero se revela como una herramienta indispensable.

En CEDEC, Consultoría de Organización Estratégica, más que consultores de la empresa, somos consejeros de los empresarios de pymes y de empresas familiares.

A diferencia de la simple asesoría, que se limita a ofrecer respuestas específicas a problemas puntuales, el coaching fiscal y financiero implica un proceso continuo y personalizado que ayuda a los propietarios de empresas familiares a comprender profundamente sus finanzas, optimizar su estructura fiscal y alinear estas áreas con sus objetivos empresariales y familiares.

Para hacer coaching se necesita un coach

Este profesional proporciona una visión externa objetiva y experta, crucial para tomar decisiones financieras informadas y estratégicas. Su trabajo va más allá de la mera gestión de números, estableciendo un diálogo bidireccional con el empresario.

¿Qué hará el coach exactamente?

Podemos dividir su desempeño en cuatro papeles:

1. Educador. Ilustrará al empresario y su familia sobre aspectos financieros y fiscales críticos., asegurándose de que las decisiones se tomen con pleno entendimiento de sus implicaciones.

2. Estratega. Ayudará a diseñar estrategias que alineen las finanzas de la empresa con los objetivos de la familia, garantizando que estas estrategias se integran efectivamente en los planes operativos y estratégicos de la empresa.

3. Mediador. Actuará como un mediador neutral entre los miembros de la familia empresaria, facilitando el consenso para no comprometer la salud financiera de la empresa.

4. Supervisor. Supervisará la ejecución de los planes y su efectividad, garantizando que se aprovechan todas las nuevas oportunidades fiscales y financieras.

Una propuesta de plan en 4 etapas

1. Análisis inicial

El primer paso en un efectivo plan de coaching fiscal y financiero es realizar un análisis inicial exhaustivo. Esta etapa consiste en un diagnóstico completo de la situación financiera actual de la empresa. Se revisan declaraciones de impuestos anteriores, estados financieros, y se evalúan las estructuras de gasto e inversión existentes. Este análisis ayuda a identificar áreas críticas donde se requieren mejoras y sienta las bases para las fases subsiguientes del coaching.

2. Estudio de riesgo

La siguiente fase del coaching se centra en el estudio de riesgo. Aquí, el coach trabaja junto con el empresario para identificar potenciales riesgos financieros y fiscales que podrían afectar negativamente a la empresa. Se consideran tanto riesgos internos, como el flujo de caja inadecuado o la sobre dependencia de clientes específicos, como externos, tales como cambios en la legislación fiscal que puedan impactar la estructura tributaria de la empresa.

3. Identificación de objetivos

Una vez que se han establecido el estado actual de la empresa y los riesgos asociados, el siguiente paso es definir las metas fiscales y financieras claras y realistas. Esto incluye establecer objetivos a corto y largo plazo que no solo sean alcanzables, sino que también maximicen las oportunidades de crecimiento financiero y minimicen las obligaciones fiscales. Las metas deben ser específicas, medibles, alcanzables, relevantes y temporales (SMART).

4. El plan fiscal-financiero

La última fase del coaching es la creación de un plan fiscal-financiero integrado. Este plan actúa como una hoja de ruta para alcanzar las metas establecidas en la fase anterior y es revisado y ajustado regularmente. Incluye estrategias detalladas para la gestión de impuestos, inversión, ahorro, y otras áreas clave financieras, como los seguros. El plan debe ser flexible para adaptarse a los cambios en el entorno empresarial y las circunstancias personales de la familia.

En CEDEC, Consultoría líder en Europa en gestión, dirección y organización de empresas, disfrutamos de ayudar a personas para que tengan la empresa que se merecen y, lo más importante, a que disfruten de ser empresarios. El coaching fiscal y financiero ofrece a los propietarios de empresas familiares una comprensión más profunda y un control mejorado sobre sus finanzas y obligaciones fiscales. A través de un proceso estructurado y personalizado, los empresarios pueden asegurar la salud financiera de su negocio y su familia, estableciendo una sólida plataforma para el crecimiento futuro y la transmisión del legado empresarial.

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How do I retrieve my Lost Solana - Reach out to Safeway White Hat Hacker My name is Williams, and I am from the United States. I unfortunately fell victim to a fake crypto investment platform where I invested $165,469 worth of Solana coin. At first, I thought all hope was lost and that I would never see my money again. Desperate to recover my funds, I went online searching for help and came across many scammers pretending to be hackers. After encountering several fake recovery services, I finally found, Safeway White Hat Hacker. From the moment I reached out to Safeway White Hat Hacker, their professionalism and knowledge gave me confidence. They carefully evaluated my case and assured me they could help recover my lost Solana coin. True to their word, they worked diligently and successfully recovered my entire investment. Their expertise and dedication throughout the process were remarkable. I am incredibly grateful to Safeway White Hat Hacker for restoring what I thought was permanently lost. I highly recommend their services to anyone around the world who has lost cryptocurrencies to scams or fraud. If you come across my testimony, know that Safeway White Hat Hacker is trustworthy and reliable for crypto recovery. Thank you again for your excellent support and great work! WhatsApp: +1 (929) 206-7886 Email: Safewaywhitehat@hackermail.com Homepage: https://safewaywhitehat.wixsite.com/safeway-white-hat-ha

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How do I retrieve my Lost Solana - Reach out to Safeway White Hat Hacker My name is Williams, and I am from the United States. I unfortunately fell victim to a fake crypto investment platform where I invested $165,469 worth of Solana coin. At first, I thought all hope was lost and that I would never see my money again. Desperate to recover my funds, I went online searching for help and came across many scammers pretending to be hackers. After encountering several fake recovery services, I finally found, Safeway White Hat Hacker. From the moment I reached out to Safeway White Hat Hacker, their professionalism and knowledge gave me confidence. They carefully evaluated my case and assured me they could help recover my lost Solana coin. True to their word, they worked diligently and successfully recovered my entire investment. Their expertise and dedication throughout the process were remarkable. I am incredibly grateful to Safeway White Hat Hacker for restoring what I thought was permanently lost. I highly recommend their services to anyone around the world who has lost cryptocurrencies to scams or fraud. If you come across my testimony, know that Safeway White Hat Hacker is trustworthy and reliable for crypto recovery. Thank you again for your excellent support and great work! WhatsApp: +1 (929) 206-7886 Email: Safewaywhitehat@hackermail.com Homepage: https://safewaywhitehat.wixsite.com/safeway-white-hat-ha

Crypto Asset Recovery For Hire Safeway White Hat Hacker 30/12/2025

How do I retrieve my Lost Solana - Reach out to Safeway White Hat Hacker My name is Williams, and I am from the United States. I unfortunately fell victim to a fake crypto investment platform where I invested $165,469 worth of Solana coin. At first, I thought all hope was lost and that I would never see my money again. Desperate to recover my funds, I went online searching for help and came across many scammers pretending to be hackers. After encountering several fake recovery services, I finally found, Safeway White Hat Hacker. From the moment I reached out to Safeway White Hat Hacker, their professionalism and knowledge gave me confidence. They carefully evaluated my case and assured me they could help recover my lost Solana coin. True to their word, they worked diligently and successfully recovered my entire investment. Their expertise and dedication throughout the process were remarkable. I am incredibly grateful to Safeway White Hat Hacker for restoring what I thought was permanently lost. I highly recommend their services to anyone around the world who has lost cryptocurrencies to scams or fraud. If you come across my testimony, know that Safeway White Hat Hacker is trustworthy and reliable for crypto recovery. Thank you again for your excellent support and great work! WhatsApp: +1 (929) 206-7886 Email: Safewaywhitehat@hackermail.com Homepage: https://safewaywhitehat.wixsite.com/safeway-white-hat-ha

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Crypto Asset Recovery For Hire Safeway White Hat Hacker 30/12/2025

How do I retrieve my Lost Solana - Reach out to Safeway White Hat Hacker My name is Williams, and I am from the United States. I unfortunately fell victim to a fake crypto investment platform where I invested $165,469 worth of Solana coin. At first, I thought all hope was lost and that I would never see my money again. Desperate to recover my funds, I went online searching for help and came across many scammers pretending to be hackers. After encountering several fake recovery services, I finally found, Safeway White Hat Hacker. From the moment I reached out to Safeway White Hat Hacker, their professionalism and knowledge gave me confidence. They carefully evaluated my case and assured me they could help recover my lost Solana coin. True to their word, they worked diligently and successfully recovered my entire investment. Their expertise and dedication throughout the process were remarkable. I am incredibly grateful to Safeway White Hat Hacker for restoring what I thought was permanently lost. I highly recommend their services to anyone around the world who has lost cryptocurrencies to scams or fraud. If you come across my testimony, know that Safeway White Hat Hacker is trustworthy and reliable for crypto recovery. Thank you again for your excellent support and great work! WhatsApp: +1 (929) 206-7886 Email: Safewaywhitehat@hackermail.com Homepage: https://safewaywhitehat.wixsite.com/safeway-white-hat-ha

Crypto Asset Recovery For Hire Safeway White Hat Hacker 30/12/2025

How do I retrieve my Lost Solana - Reach out to Safeway White Hat Hacker My name is Williams, and I am from the United States. I unfortunately fell victim to a fake crypto investment platform where I invested $165,469 worth of Solana coin. At first, I thought all hope was lost and that I would never see my money again. Desperate to recover my funds, I went online searching for help and came across many scammers pretending to be hackers. After encountering several fake recovery services, I finally found, Safeway White Hat Hacker. From the moment I reached out to Safeway White Hat Hacker, their professionalism and knowledge gave me confidence. They carefully evaluated my case and assured me they could help recover my lost Solana coin. True to their word, they worked diligently and successfully recovered my entire investment. Their expertise and dedication throughout the process were remarkable. I am incredibly grateful to Safeway White Hat Hacker for restoring what I thought was permanently lost. I highly recommend their services to anyone around the world who has lost cryptocurrencies to scams or fraud. If you come across my testimony, know that Safeway White Hat Hacker is trustworthy and reliable for crypto recovery. Thank you again for your excellent support and great work! WhatsApp: +1 (929) 206-7886 Email: Safewaywhitehat@hackermail.com Homepage: https://safewaywhitehat.wixsite.com/safeway-white-hat-ha

Crypto Asset Recovery For Hire Safeway White Hat Hacker 30/12/2025

How do I retrieve my Lost Solana - Reach out to Safeway White Hat Hacker My name is Williams, and I am from the United States. I unfortunately fell victim to a fake crypto investment platform where I invested $165,469 worth of Solana coin. At first, I thought all hope was lost and that I would never see my money again. Desperate to recover my funds, I went online searching for help and came across many scammers pretending to be hackers. After encountering several fake recovery services, I finally found, Safeway White Hat Hacker. From the moment I reached out to Safeway White Hat Hacker, their professionalism and knowledge gave me confidence. They carefully evaluated my case and assured me they could help recover my lost Solana coin. True to their word, they worked diligently and successfully recovered my entire investment. Their expertise and dedication throughout the process were remarkable. I am incredibly grateful to Safeway White Hat Hacker for restoring what I thought was permanently lost. I highly recommend their services to anyone around the world who has lost cryptocurrencies to scams or fraud. If you come across my testimony, know that Safeway White Hat Hacker is trustworthy and reliable for crypto recovery. Thank you again for your excellent support and great work! WhatsApp: +1 (929) 206-7886 Email: Safewaywhitehat@hackermail.com Homepage: https://safewaywhitehat.wixsite.com/safeway-white-hat-ha

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Dr Greg 31/12/2025

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Dr Greg 04/01/2026

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