I was very pleased to be joined by @Russell Rich, one of the senior partners at @Lubbock Fine, a leading firm of chartered accountants and tax advisors, where Russell heads up the sports, media and entertainment desk.
I really enjoyed this conversation with Russell where we explored a situation familiar with many these days, noticeably some considerations when starting up a business as a second career.
🌟 Some of the most interesting elements were:
✅ How, when externally financing, Investors will want you to have some skin in the game;
✅ How as an entrepreneur, you've got to focus on working in the business and on the business at the same time;
✅ How forecasting and mapping out a business plan is key - to the point that you do best case, mid case and worst case scenarios;
✅ The need to generate sufficient income and importantly cash flow to cover all those benefits that were previously paid by your employer.;
✅ The need for good accounting at the start because otherwise it doesn't matter how great the opportunity is or the business model, those things will fail.
I was very pleased to be joined by @Russell Rich, one of the senior partners at @Lubbock Fine, a leading firm of chartered accountants and tax advisors, where Russell heads up the sports, media and entertainment desk.
I really enjoyed this conversation with Russell where we explored a situation familiar with many these days, noticeably some considerations when starting up a business as a second career.
🌟 Some of the most interesting elements were:
✅ How, when externally financing, Investors will want you to have some skin in the game;
✅ How as an entrepreneur, you've got to focus on working in the business and on the business at the same time;
✅ How forecasting and mapping out a business plan is key - to the point that you do best case, mid case and worst case scenarios;
✅ The need to generate sufficient income and importantly cash flow to cover all those benefits that were previously paid by your employer.;
✅ The need for good accounting at the start because otherwise it doesn't matter how great the opportunity is or the business model, those things will fail.
Adam (00:01.995)
Okay, so today I'm here with Russell Rich, one of the senior partners at Lubbock Fine, a leading firm of chartered accountants and tax advisors, and Russell manages and heads up the sports, media and entertainment desk. Russell, welcome to the Fractional CFO show. How are you doing?
russell marc rich (00:21.902)
I'm good thank you Adam. Firstly thanks for sort of asking me to come on the podcast and I'm just looking forward to our conversation.
Adam (00:36.651)
Absolutely. Well, thank you very much for being here and looking forward to it as well. So and what is the conversation? Well, today we're diving in to some considerations when starting up a business as a second career. So something that a lot of the audience will do, actually. We have a lot of small business owners and second career, second career people who listen to the pod. So it'll be great maybe to start with Russell.
if you wouldn't mind giving us a bit of an overview of your career so far. How did you end up as one of the senior partners at Lubbock Fine?
russell marc rich (01:11.774)
Well, that's quite a story actually. So I qualified in the 90s, in the early 90s and anyone who's old enough or read about that sort of time, it was really, really difficult. Quite a number of people that I qualified with lost their jobs. There was the recession, interest rates were very high and...
I was, even though I had passed all my exams, I was very lucky to have a job. I stayed with the firm actually for two or three years after I became qualified and joined my current firm. So by doing this sort of maths, I've only ever had two sort of jobs in my whole career.
which we'll come on to speaking about a bit sort of later on, but it's quite odd and my kids often come over and sort of have a go at me and say, dad, how come you've only ever had one or two sort of two actual jobs? So I joined my current firm and became in mid to late sort of 90s and became a
partner after three years. So clearly I must have been doing something right. And then, you know, my career of 25 years as a partner, seeing me see a number of people, individuals, businesses, it's been a strange sort of time actually, really interesting and what
I love about my job is meeting interesting people, interesting people and trying to help them. Quite a lot of what I do now is business coaching, helping businesses start, helping people create wealth, keep hold of their wealth, give their sort of wealth away. And there's not a day that goes by when you...
russell marc rich (03:34.862)
I have a question from a client that sort of makes you think, which is interesting and makes me, you know, and I suppose as I've grown older is what I enjoy more now, the solving of difficult issues.
Adam (03:54.219)
Absolutely. And just with that in mind, in terms of the people that you help and the issues that you solve, do you find that you come across a lot of people who are transitioning to new careers or transitioning from an employee environment to a more entrepreneurial environment?
russell marc rich (04:18.126)
Absolutely. I think especially if you look at the last five years since we had the Covid pandemic, people have had to, in a way, create other sort of income. So it's like I sort of talked just before about me having two jobs. It's the...
of the younger sort of the generation are very much now when I'll do a job for two years and I'll move out of that and I'll go jump from employment to entrepreneur, open my own business, go and work for someone. And that can happen, that has happened and I've seen more and more of that in the last, I suppose five, even more, maybe sort of 10 sort of years.
people are much, people are willing to jump sort of ship and I suppose it's think about what they're gonna be doing and making that jump and taping, well, it's a bit of a leap of faith.
Adam (05:39.403)
Yeah. Absolutely. And I guess from your children's perspective, it kind of explains how they don't necessarily comprehend two jobs over the 20 -plus, 25 -plus years you mentioned, right?
russell marc rich (05:51.918)
Yeah, yeah, yeah. And I think that's not just in the same sort of a career. So I could have been an accountant and moved from firm A to firm B or to firm C. I think people now do various things. They might train to be an accountant, then open a business or do speaking engagements or open up a sort of restaurant. That's common now.
That's very, very common.
Adam (06:23.691)
And I guess what are some of the sort of pieces of advice you can give to the audience and that you give to your clients around that mindset shift? You know, when you transition from an employee to an entrepreneur, it does require a different mindset. I mean, I've done it fairly recently. What are some of the best pieces of advice you can give to people when they're considering that move?
russell marc rich (06:50.542)
I think starting off is that you and I start off with many people talking about this. There's loads of things that you talk about, obviously geared towards the individual because there's no template here of what's good for one is not good for the other. One first word of advice is very much as an employee, you generally wear just, I suppose,
the one hat. You go to work, you have hours nine till five. You're maybe part of a team. You're sort of told what you do. You don't necessarily lead. You're more of a, you know, you're part, as I said, part of a team. Do this sort of task and then end of the day, you close your computer down or close the office door and you come back in the morning.
As an entrepreneur, that focus is really, really different. You do that, absolutely. So you keep that hat on, but you wear another hat as an entrepreneur, as a business owner. So you've got to think about not just what you're going to be doing and your sort of, in a way, role. You might have working with other people, you've got to focus on working in the business and on the business. Famous sort of saying.
Often people sort of talk about that. You've got to look how the growth of the business, what you need in terms of money, in terms of office space, in terms of clients, the resources you actually need. The hours are not very, it's most definitely not a log on at nine o 'clock and leave at five and an hour for lunch.
It's if you don't work, you don't earn any money or the business sort of fails. So those bits and pieces of very much and you dovetail that into according to what you're going to be doing and who the person is.
Adam (09:05.707)
I think you mentioned something really important there and I'd love to get a chance to dive into that a bit in terms of those financial implications of leaving a paid employment and moving to entrepreneurship. And you covered off the need to think about the costs for yourself, the money that you're earning, but also the cost for the office space and other associated expenses that you wouldn't have to consider. So,
So what are some of the pieces of advice you give to your clients around those financial implications and how to think about that shift?
russell marc rich (09:46.286)
Yeah, well, I think the sort of the first bit as an employee, people know you get a payslip, you get your holidays, you get if you're off sick, you've got a steady income, you come in, you earn your money and you have a contract and it's steady. You know, there's obviously if you've still got the job, but you know, it's you pretty much know at the start of the month, this is what you're going to get paid at the end.
As an entrepreneur that really sort of changes. You don't have a steady income. Obviously, there's not always, you don't know how much money's coming in. At the start of a business, it's generally speaking, there's no money coming in and there's quite a lot of money going out. So it's so important at the start moving into this, how should I say it, the second career.
its finances are the most important part of it. Yeah, absolutely. You've got to have a business model and what you're going to be doing in that. But generally speaking, that is the easy part because you've either come from employment or you've done your research. The steady income, you won't have.
the employment benefits, you know, all the stuff that I just talked about holiday sick leave pension, you know, so those, those are very much key to taking away that, you know, going into this thinking, okay, this is what I have. You might have a company car, you might have health insurance. Now all of those, when you move to this,
leave employment, go to self -employment or this entrepreneurial or starting a business, sorry, is very much, you know, that button is switched off and you've got to generate, you've got to generate income or have the sort of cash flow to make good those expenses or those costs that you had beforehand that were paid by your employer.
Adam (12:06.347)
Yeah, absolutely. And I guess the it's often not something that one considers when you're in employment, all of those associated costs that are covered by your employer. And then you have that you line in the sand, if you will, and you move across it. And then all of a sudden, you need to find that cash from somewhere you need to make sure, particularly if you've got a mortgage, if you've got family, that all of those costs are covered. And I guess.
Yeah, one way that that is sort of assessed and planned for is through some kind of financial plan, some some kind of business plan. So is that something that you will typically work on with your clients before they make the move in an ideal world? Or I guess sometimes it happens after that. After that. But, you know, how involved are you with your clients around business planning? And then what are some of the key considerations that you will talk through?
in creating that plan.
russell marc rich (13:07.79)
I think that's the key part. And I see over my career, I've seen a number of people, individuals, a number of people come to my office or I've sort of see fantastic idea and they've thought about what they're going to be doing, whatever it may be. And this is opening a restaurant or buying a buy -to -let business.
Those are the most important things. So generally speaking, I would say to people, even if it doesn't have to be a glossy 200 page business plan, but it really has to cover this. We've got a template that actually of things that you would look at on the sort of business plan, but where we can help because generally speaking, you know, the.
the individuals might not have an idea of how to put together a sort of cash flow forecast, but we would talk to them about that. How much money do you need? Estimates of income, estimates of costs, and we'd go through that, not necessarily lined by Sula Line, but with a model looking at what you need. You know, interestingly, if you're going to go to the bank, the
bank will want that most definitely for at a starting point. And it's interesting when you ask people how much money do you think you need to get this business up and going. And they need some help with that. Because they've not had an idea, as we said before, it's very much...
you've been employed, someone else deals with that. So it's so important to have that. And even to the point, we have done this before, or I would say go on a very short course, or there's lots of nice, there's quite a lot of courses that you can do to how to run a business.
russell marc rich (15:37.254)
Yeah, so cash flows, forecasting, borrowing, investment from others, you know, lots of people say, I'm going to start a business, this is what I'm going to do and maybe one of the family helps with them or they have some of their own wealth. But it's important to map that out. And even to the point that you do best case scenario, mid case scenario and worst case.
Adam (16:08.171)
And just lots of great advice there, Russell. Just a couple of questions on some of what you said. Firstly, you mentioned about going to the bank. And I wondered if you find that when people are starting to do their plans and to present those and looking for investment as part of a second career, will a bank be a viable option or is it more often?
russell marc rich (16:11.438)
Thank you.
Adam (16:35.051)
friends and family, as you say, and I guess the requirements of, or an angel investor, I should say. So I guess the requirements of friends and family differ from an angel investor, differ from the bank. Do you take that into consideration when you're advising your clients?
russell marc rich (16:55.118)
Absolutely. Yeah, I think I think it's you know, there's there's, you know, you can map out a sort of business and there's businesses that you start off that are that you need quite a lot of cash for. So for instance, if you're going to go into the real estate business and you think, well, look, I'm going to buy a couple of rundown houses or flats and going to do them up. Those need quite a lot of money.
as opposed to if you're going to start a business as an after -dinner speaker, say, that it doesn't need very much. It doesn't need that much cash. So friends and family, banks, angel investors, angel investors are generally quite good, especially when you get...
one or a group of people who understand the business, typically in the restaurant business, angel investors are good, getting in with the right people. It's being clear with whoever's giving you the money, what the payback is, how much you need and when. That's another common sort of thought is that the...
It's not clear at the start how much you need. And if things go well, how quickly can you pay it back if things go badly? But coming back to the bank point, banks are very, very strong on that. How much do you need? And you get one opportunity. So you can't go back to the bank after six months and say, well, I've run out of the money you've given me and I need more. But.
One other point that I would say, anyone who's giving you any money, be it angel investor, be it a member of the family or a bank, they want you as the individual, the person going into the business to have some skin in the game. So, you know, you're much, you know, when you've got your own funds in the business, that's a very good start for an investor.
Adam (19:18.699)
Yeah, no, that's great. Really good advice there in terms of obviously banks have quite a lot of conditions around what they need in terms of when they need payback by how long it takes to run that process through depending on the size as well. So I think having that timeframe in mind as you say is critical. And then, yeah, that skin in the game illustrating your own faith, your own belief in the business that you're proposing.
russell marc rich (19:20.718)
Cough
russell marc rich (19:26.542)
Yeah.
Adam (19:47.531)
That's certainly important. And changing tax slightly. Obviously we've talked about the importance of the cashflow forecast and the financial plans. How involved do you typically get with regard to supporting your clients who are shifting to this new career as an entrepreneur around identifying the markets, the target audience, the competitors? Is that something that you will help them?
to define or something you would expect them to already have in mind when they come to you.
russell marc rich (20:25.006)
I think it's a bit of both, Adam. I think...
I think not to warn them too much, but you know, there's the old, there's 40%, 50%, sorry, of businesses fell in the first two years. So the planning stage, before you flick that switch and start, it's so important. And what we give, what we help them with, yes, I talked about cash flows and I talked about forecasts and I talked about.
The structure, I suppose the structure is important, but it's dotting eyes and crossing sort of the T's. You know, we've I've got 30 years behind me of experience of dealing with individuals and people, not just myself, but within the sort of firm. So.
we can give people the benefit of our sort of wisdom of like, well, maybe you should steer down this road or have you talk to this person or maybe start it differently or not structurally through a company. So there's lots of key things that you can sort of talk to them about. And I think it's...
you know, someone years ago said to me, it's always surround yourself in people that can help you. So, you know, it's it's a daunting task, starting your own business, especially when it's you and you haven't got the benefit of a whole team of people you employ. So get a good accountant, get a good lawyer, people who are in the business, you know, people and we've all had them.
russell marc rich (22:25.678)
people where you've, you know, they're good at what they do, they know what they're doing, you know, and bend their ear, you know, that's so important of you. If you read any books by, you know, these top entrepreneurs, you know, they've not necessarily started a business day one, and it's made a lot of money day sort of, day sort of two, is that they've either failed or they've
brought in people where they don't have a skill set. So it's important that.
Adam (23:03.019)
Yeah, absolutely. And I think something you said there that really resonated, just to highlight and underline, I guess, is the need to get a good accountant and a good lawyer, good people around you at the outset who have knowledge of the area that you're going into. Because, like, you... You're... Yourself are the head of the sports media and entertainment desk. You've got expertise, knowledge in those areas.
And so you can advise with your 30 years of experience. It would be different if someone was going out and starting an AI technology company. They would want to go and get advice from experts in the law and the accountancy field with experience of those sectors. So I think surrounding yourself with good people and having relevant expertise, those people having relevant expertise and experience is critical, right?
russell marc rich (23:59.502)
Absolutely. Yeah, yeah, it's it's it's when you don't have that. And yeah, listen, we all sort of know you want to keep costs down in the first few years because there's lots of money going out, not money coming in. But you've got to be it's, you know, it's as my late father would have said, you're Penny, Pennywise pound foolish. You know, it's very much.
There are things that you need and there's things that you might need, but it's so important to get the structure right. Good accounting, good finances at the start because otherwise it doesn't matter how great the opportunity is or the business model, those things will fail. Those things will make the business fail. And the stats you took to...
anyone who's gone sort of through it either done well or failed and those key points are fundamental to a business failing or doing well.
Adam (25:14.923)
Absolutely. I like that Pennywise and Pound Foolish. I hadn't heard that in a while, so that was good to hear and remind the audience of some old school wisdom. And I think to your point, having good people around you and getting the foundations in place first means that you're building on something solid. So you're setting yourself up from a company perspective correctly. You've got the correct structure.
russell marc rich (25:19.47)
Yeah, yeah.
Adam (25:41.547)
And you know that, you know, when you're bringing the money in, you're putting it into good use in terms of where you're banking and all of the other advice, good advice that a good accountant can help you with. And that sort of brings us onto another topic, which is, I know, an area of expertise that you deal with, but again, not all of our audience will be familiar with the tax intricacies and implications.
for entrepreneurs and obviously if you're earning your salary, you've got your PAYE and you're sort of covered there often and not aware of the other self -employment taxes or VAT or corporation tax. So could you perhaps give a bit of an overview for the audience? Not in detail, obviously in terms of the tax laws, but just what are some of the key...
considerations to be aware of and perhaps how to find out more and educate yourself a little bit before making that leap.
russell marc rich (26:48.174)
Okay, I suppose, you know, as a starting point as an employee, as we discussed before, in a way, as it is pay as you earn, you're the the responsibility is down to your employer. So you don't really have any, you know, typically, if you if that's your only income, you don't have to file a tax return.
what you get at the end of the month is yours and someone else deals with all the tax sort of issues. So you don't have to worry about, am I paying the right amount of tax? Have I got to put some money aside? It's done. So relatively straight, sort of relatively easy. Moving away from that and starting your own business. One of the first things that I would say to people.
is whatever you earn, some of it isn't yours. And you can do relative, you can map it out or do a nice spreadsheet or whatever. So, you know, you can might say for every 100 pound that you earn, you pull aside 25 pounds. So that's the most important thing is whatever's going moving from employment where everything that you get is yours to...
entrepreneurship to self -employment or company, it's not yours. Now, some people find that difficult and you dream up different schemes of separate bank accounts or doing things in different sort of ways. But that's the first point. The second point, moving away, you pay as you earn, you pay your taxes, you earn it.
Here you don't. So moving away, whatever structure that you set up, whether a company or self -employment or LLP or a partnership, you have this window, a tax -free space. So you might earn quite a lot of money in the first 12 months, but you don't pay the tax to some time after. So what...
russell marc rich (29:11.374)
we do is as part of the cash flow and part of the forecasting is talk to is basically make it clear to the individual or the group of people who are starting this business when the tax times hit and it's I would say it's complicated but taxes some taxes paid 31st January 31st July some of its nine months after the end of the year.
But these key sort of dates is what we do to help clients. So not just wake up one morning and say, hey, you've got to pay your big tax bill next week. It's as part of the cash flow. This is how much money I think I'm going to be earning. And based on that, nine months later, I've got to pay the tax and keeping expenses and all the the you know, we can talk talk for a whole day about.
what you can claim and what you can't claim. But the key to it is the money's not yours and focusing in on when you have to pay the tax. So you've got the money in the bank or wherever you're going to keep it ready to pay it.
Adam (30:28.587)
That's great and two very clear rules of thumb that the audience can take away from this. I think one point to add are some of the challenger banks offer pots within your bank account where you can set up rules to automatically transfer 25 % of your income or whatever percentage it is so it doesn't even hit your main account.
russell marc rich (30:31.342)
Cough
Adam (30:56.075)
and it remains ring -fenced and protected. So making it even simpler to ensure that you've got that tax amounts, that money that's not yours saved and protected. And I would just add with the cashflow forecasting, you know, this is something that I see all the time, particularly in smaller businesses where they don't necessarily have a finance director or a CFO or...
perhaps the money to spend with accountants on a regular basis getting cash flow forecasts. It's so important. It's so important that you are spending money, as Russell said, to get good advisors around you and that you're tracking your costs, you're tracking those timings of tax payment dates, for example, as Russell said. So really good advice there. And...
russell marc rich (31:55.182)
Yeah.
Adam (31:55.359)
So just changing, changing tack slightly. Obviously you deal with, with some quite high profile individuals, I guess, in, in your, in your day job. Are you seeing a trend with, with these high profile individuals as I guess, you know, copying David Beckham and the sort of ability to, to monetize themselves as a brand? Is that something that you're seeing increasing?
russell marc rich (32:17.806)
Yeah.
Adam (32:24.523)
in recent years or has there been less of that as high profile media, celebrity, sports people are earning more through their day job, through their career? Is that becoming less popular route for them to go down as a second career?
russell marc rich (32:44.974)
Yeah, look, I think, interesting question. I think the, again, I think you look at...
the individual. So the David Beckhams are, you know, he's, he's, he's earned a lot of money from his football career and he's branched out into various other things. I think those, those are, those are unbelievable cases and, and, and, and, you know, I don't have for David Beckham, but, but, you know, those, those aren't the type of people.
that really need they don't have the cash flow issues that quite a lot of high sort of profile people do, but not earning as much as people like him. And what I sort of mean by that is quite a lot of the people that I see, especially in the sports world and the media and the music world, are very much like they earn a lot of money in their career.
Now, you define the word career, I've talked about my career of 35, 40 years. These people, they don't have 35, 40 year careers in any of those, the sports, the music or the media, you might be lucky. And in the music, those people are few and far between.
So it's interesting when people have a career and that career might be two or three years, they earn a lot of money, but that money is, they build themselves a bit of a lifestyle and that money will soon run out if they don't have, as we've talked about, a second career. So we do a lot of work with people during their career and even after their career, that's their career as their main career in the sport and the music and the media world.
russell marc rich (34:46.158)
talking to them about what else they're going to be doing and how they use the money that they've got that they've earned. And in the music world, it's generally easier because, you know, especially if they're an artist or they're a sort of writer, they'll get a stream of income post -career from the sort of royalties. But you talk about a sportsman or sportswoman, you know, they might...
have a very nice career, typical sort of footballer, might have a nice career, three, four, five years at a decent club, then what do they do? Yes, they might go into coaching or something like that, but that money is not in the same league as what they have earned. So we talked to lots of people about...
what else they do and the people that they what they're interested in and what their other skills and they do. So the second career for these people is is is key because of the wealth that they have, the lifestyle they have. And and, you know, if they stop their career at 35, you know, you know, they've they've they've got potentially another.
25, 30 years of working time. So even to the point that they don't want to get bored, they need to be doing something.
Adam (36:25.771)
Yeah, and that's so interesting, because obviously you hear the high -profile stories, but you don't hear the stories from the... From the everyday... Every man or every woman. And as you say, they might have three, four, five years of high earning potential, but then the rest of... The rest of their... Their life, what are they going to do? So they have to ensure that they use their money wisely. And you often hear some horror stories about these poor...
poor kids who earn a lot of money very quickly and then get taken advantage of. So again, back to your point of having good advisors around you, right?
russell marc rich (37:01.646)
Yeah, I've done a lot of work in that field and done a number of blogs and written articles on it. It's what I'm sort of passionate about, you know, is making sure that people keep their wealth and grow it as opposed to squander it. You know,
And as we said, you know, it's surrounding yourself with the right people is key because a number of those stories are where people have lost their money is because they've either taken bad advice or given it to the wrong people.
Adam (37:49.895)
Yeah, absolutely, absolutely. Okay, excellent. Well, changing tack and moving on to our final section, which I call our business book bonus section. And this is where we ask our guests to provide us with a recommendation for the audience of a business book or other type of business content that's really helped you during your business career and that you'd like to recommend. So, so Russell, what business book or other content would you like to recommend to the audience?
russell marc rich (38:19.374)
I suppose it's, you know, not, you know, I've read quite a lot of books and lots of, I think there's no one book that really stands out. I think I just, you know, going over the, what I've said, it's surrounding yourself in good people, you know, people who understand the subject. So it's no good going.
saying I don't want to spend money on an accountant, my mum will do the finances or I've got a lawyer, he deals in wills and trusts but he can help me write an employment contract. I think it's most, it's definitely surround yourself in people.
especially in the world that you're going to go into if it's the property world, if it's the restaurant business or whatever, get involved with people who know what they're sort of doing and always go into this with your eyes wide open. Always think about what you're going to be doing as an accountant. You look at
You're sort of taught to be over cautious, but it's going into it knowing these are the good points. These are the things I need to think about and these are the bad points, you know, and there shouldn't be, you don't want to six months down the line think, well, this business didn't sort of take off because I didn't think about X, you know, things work and things don't work, but.
Always understand what you're going to be doing and what the pitfalls are. So always listen to others. Surround yourself with good people and go into it with your eyes wide open. Read. Yeah, you know, there's I think I think not so much books anymore, but podcasts, you know, I listen to loads of them now and online sort of the articles.
Adam (40:26.763)
Excellent.
russell marc rich (40:41.166)
and snippets of things, you know, even though I've been doing this 35, 40 years, every day I learn something new.
Adam (40:53.099)
Absolutely, excellent advice there to end up with. Thank you very much, Russell. Is there anything that we haven't covered that you'd like to say before we wrap up or if not, where can people find you?
russell marc rich (41:06.286)
You know, I think it's interesting sort of topic, as I said, you know, you learn something every day. You know, I'm willing to have a, you know, start of a business is, you know, you don't wake up one morning and say, this is what I'm going to be doing. Have a chat, you know, come and come and speak to us. I'll put on the bottom of the I'm sure you will add and put my contact number and email address. Come on.
come and have a chat with me, have a look at our sort of firms website. Lots, I'm one of 18 partners. We all do slightly different things. So I'm sure we'll be able to help you. We're not like other firms. We don't, it's very much pretty, we're focused on meeting people, seeing people, helping people. And even if it's just like,
first sort of meetings free and hopefully we can help you.
Adam (42:11.979)
Excellent, excellent. Well, we'll definitely put your details and those are the firm on in the show notes. So for anyone who wants to find you, that would be great. And thank you again, Russell, for joining me today on the Fractional CFO show. I really appreciate your insight, your perspective and your time. Thank you.
russell marc rich (42:29.454)
Thank you.
Russell Rich - Contact Details:
https://www.linkedin.com/in/russellrich1/
https://www.lubbockfine.co.uk/