Todd Rammler, a.k.a. The Small Business CFO is President of Michigan CFO Associates, a professional firm providing outsourced Chief Financial Officer services to small- business owners. He is a Certified Management Accountant (CMA) and co-author of the book 30 Day Total Business Makeover. Todd has appeared on Michigan Entrepreneur Television, coast to coat radio programs, and has been featured in The Detroit News. Get your copy of our most popular whitepaper The #1 Financial Mistake Made by Small-Business Owners by visiting