Monday, October 26, 2026

Only about a third of seasonal businesses hold enough cash to cover their leanest months before the slow season hits. Here's the ten-minute reserve check before this year's peak trade.

Every November, a familiar ritual starts in boardrooms and kitchen-table offices across New Zealand and the US: next year's number gets set. Usually it's last year's revenue plus a percentage that felt ambitious in the moment. A widely cited UK survey of business leaders found 44% had missed their own earnings target at some point, and almost half missed it in the very first quarter of the year. If that's been your pattern too, the problem almost certainly isn't effort — it's how the target got built in the first place.

After founding or co-founding nine companies and coaching more than 200 businesses one-on-one, Kevin has never once seen a team miss a target because they didn't try hard enough. He has seen plenty miss because the target was fiction from the day it was written down.

The Target That Was Never Really a Plan

Here's the enemy: percentage-on-last-year planning. Take this year's revenue, add 15% or 20% because that number sounds motivating in a meeting, and call it the plan. It isn't a plan — it's an extrapolation, and extrapolations don't account for a market that's shifted, a team that's already at capacity, or an owner who's quietly run out of hours in the week.

A 2023 survey conducted by the revenue-intelligence firm Gong, reported in Startups Magazine (UK), found that more than half of business leaders said accurate forecasting mattered more because of economic uncertainty — yet most were still building those forecasts in a spreadsheet, dragging last year's line forward. The target wasn't wrong because people didn't work hard enough to hit it. It was wrong on the day it was set.

The Three Numbers That Actually Set a Realistic Target

Before you write down a number for 2027, run it past three checks instead of one gut feel:

  • Capacity ceiling — what could your current team, systems and cash actually deliver flat out, with no new hires and no new tools? That's your floor, not your target.
  • Market reality check — is your category growing, flat or shrinking right now, and is your plan riding that current or swimming against it? A 20% target in a shrinking category is a different bet than a 20% target in a growing one.
  • Owner bandwidth — how many of next year's hours are already spoken for by you personally? If the plan depends on you doing more of everything, it's not a growth plan — it's a wish with a deadline.

"I have grown my business 5x since working with Kevin. Everything Kevin told me to do was the complete opposite of what I had been doing. Working with Kevin has truly been a complete game changer."

— Richard, Chem Suppliers

Why Owners Keep Building the Same Broken Plan

Most owners already sense their target is soft. They build it the old way anyway, because the three checks above take an honest look at the business, and an honest look takes someone outside the business to run it properly. Inside your own head, the capacity ceiling always looks a little higher and the market always looks a little kinder than it really is. That's not a character flaw — it's just what happens when the person setting the target is the same person who has to live with the consequences of getting it wrong.

This is the exact gap a coach closes: someone in the room who has no incentive to flatter your forecast, and thirty years of watching which numbers hold up and which ones quietly unravel by March.

Key Takeaways

  • Replace "last year plus a percentage" with a target built on capacity, market direction and owner bandwidth.
  • Treat your capacity ceiling as the floor of the conversation, not an aspirational stretch.
  • Check whether your plan is riding your category's current or swimming against it before you commit to a number.
  • Bring in an outside, unflattering view before you finalise next year's target — not after it's already missed.

If your 2027 target is just last year's number with a percentage bolted on, Kevin will help you fix that first.

Be the owner who starts 2027 with a target built on real numbers, not a hopeful percentage.

Monday, October 05, 2026

Ask your team to name the business's single most important goal this quarter. Five different answers from five people means you have one problem, not twelve: nobody knows what the goal actually is.

Monday, October 05, 2026

You trained your team to build rapport and never push, and your best customer last quarter still went with the competitor who pushed them to rethink the brief. Here's why relationship-selling is the weakest profile in B2B sales.

Monday, October 05, 2026

You've boosted the posts, hired the agency, rewritten the website twice, and the phone still isn't ringing. Before you spend another dollar, ask whether a stranger could explain what makes you different in one sentence.

Monday, October 05, 2026

Your competitor just launched the move you'd been 'finalising' for six months. Here's the fifty-year-old decision framework that fixes the real problem: not your strategy, your decision speed.

Sunday, October 04, 2026

EOS, Scaling Up, Vistage, ActionCOACH or Simple-Growth? A fair comparison with best-for and not-ideal-if for each option, a fit matrix and a nine-question quiz.

Sunday, October 04, 2026

What does a business coach cost in New Zealand? Published monthly and hourly ranges, cheaper options, how RBPN co-funding can help, and a checklist for judging value.

Sunday, October 04, 2026

New 2026 global research shows trust alone only earns a brand 48 percent acceptance into new territory - relevance takes it to 71 percent. Here is the two-question test that finds the real gap before you spend on expansion.

Sunday, October 04, 2026

The personal touch that built your reputation at ten staff quietly becomes the bottleneck that breaks it at thirty. Here is how to turn a habit into a system before it costs you.

Sunday, October 04, 2026

Most owners check star ratings and warm adjectives before hiring a coach. Here is the three-detail test that tells you whether a review is evidence or decoration.

Sunday, October 04, 2026

The Christmas shutdown is about eleven weeks away. Here is the one-page-per-role handover document that decides whether you actually switch off this year.

Sunday, October 04, 2026

The biggest sales research study ever run found the best reps ask, they don't tell. Here is the SPIN method, and the four questions that come before any pitch.

Sunday, October 04, 2026

No ad budget doesn't mean no reach. Here is the Dream 100 method for finding the audiences that already trust your exact customer, and earning your way in.

Sunday, October 04, 2026

Most SME growth plans are really just wishlists with a due date. Here is the two-question strategic choice cascade that turns good ideas into an actual strategy.

Sunday, October 04, 2026

Burger King sold Whoppers for one cent, but only within 600 feet of a McDonald's. Here is the small-business version of that play, for under $5k.

Sunday, October 04, 2026

Customers rank quality and service three times higher than price, yet a third of marketers admit they can't say what makes their brand different. Here's the three-step audit that fixes the real problem before you touch your price list.