Hale & Moreno LLP
#Capital ManagementFlexible options to simplify accounts and protect capital.
\ Overview \
A tech firm with cash to put to work
Northgate, a mid-size software company, was holding large operating reserves in low-yield accounts while preparing a second office. The founders wanted growth without risking payroll stability.
A disciplined investment plan grew the company's capital by 30% while payroll stayed fully funded.
\ Challenge & Approach \
What we did
The challenge. Idle reserves were losing value to inflation, yet every dollar was mentally earmarked for salaries and expansion. The founders needed a structure that separated operating cash from growth capital — and proof it would hold up in a downturn.
Our approach. We tiered their cash into operating, reserve and growth buckets, built a diversified investment schedule for the growth tier, and aligned everything with the company's tax position so gains were not handed back at year end.
- Three-tier cash structure with automatic rebalancing bands.
- Staged investment schedule matched to hiring and office milestones.
- Tax-efficient entity and timing review alongside the investment plan.
- Quarterly board-ready reporting the founders actually read.
\ Outcome \
Capital up 30%, operations untouched
Growth capital compounded while payroll and expansion stayed fully funded.
30%
Capital growth
6 mo
Operating reserve kept liquid
4
Quarterly board reviews
1
Dedicated advisor team
\ Related Work \
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#Financial AdvisoryComprehensive planning, management and investment advice.