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In today's Biz Pulse, gain insight into how:

• Finance influencers are democratizing investment culture, shifting trust, and making values-based investing mainstream.

• Tail insurance policies can protect business owners from unexpected liabilities long after selling their companies.

• Key financial metrics ensure long-term business health and guide smarter decisions.

Each of these articles is penned by members of Forbes Business Council, successful business owners shaping the future of business.

Let’s dive in!

Finance Goes Social: 5 Ways “Finfluencers” Are Shaping a New Investment Culture

The financial landscape is undergoing a seismic shift, driven by the Great Wealth Transfer and empowered Millennials and Gen Z demanding value-aligned, transparent systems. Enter “finfluencers,” digital creators who blend finance savvy with relatability to democratize investment knowledge and reshape financial norms.

Here's how these influencers are redefining the game:

💡 Demystifying Finance: Simplifying jargon and breaking down barriers, making investing feel accessible to everyone—not just experts.

🤝 Trusting People, Not Institutions: Authentic voices sharing personal experiences and advice are dethroning traditional financial authorities.

🌱 Mainstreaming Values-Based Investing: Finfluencers help align portfolios with personal ethics, spotlighting tools like Ellevest for mission-driven investing.

📲 Interactive Learning: From TikTok Q&As to YouTube live streams, financial education is now community-driven and participatory, fostering real-time engagement.

🌐 Empowered Communities: Social platforms are creating collective spaces where individuals learn, connect, and act as a group—shaping market behaviors together.

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Selling Your Business? Protect Yourself with Tail Policies

Selling a business doesn’t mean you’re off the hook for future liabilities. This hard-learned lesson from one family business underscores the importance of investing in tail insurance policies to safeguard your financial future after the sale.

Here’s what you need to know:

🔒 Risks Don’t Just Vanish: Whether it’s product liability, employee claims, or other obligations, liabilities can resurface years after closing a deal.

📜 Popular Policies: Tail coverage typically includes professional liability, D&O insurance, EPLI, cyber liability, fiduciary liability, and crime insurance—often extending 1-5 years post-sale.

💰 Balancing Cost vs. Risk: Premiums depend on the deal’s specifics. While it’s tempting to skip the expense, even a 2-3% claim risk might justify the investment.

🔧 Asset vs. Stock Sales: Tail policy needs differ; asset sellers often face higher risks. Work with attorneys and brokers to tailor a coverage strategy.

🏗️ Industry Matters: Specialized coverages like environmental or product liability insurance may be necessary based on your sector.

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Financial Health 101: Key Metrics Every Business Owner Should Track

Running a business without staying on top of your financial metrics is a recipe for trouble. Regardless of your industry, strong financial oversight separates thriving businesses from struggling ones.

Here are some essential metrics to monitor and why they matter:

📊 Gross Profit Margin: (Revenue – Cost of Goods Sold) ÷ Revenue. Reveals the efficiency of turning sales into profit. Monitor monthly—declines may signal an issue with pricing or supplier costs.

💵 Operating Cash Flow Ratio: Cash Flow from Operations ÷ Current Liabilities. Shows if you generate enough cash for short-term expenses. Aim for a ratio above 1.

💰 Accounts Receivable Turnover: Net Credit Sales ÷ Average AR. Tracks how fast you’re collecting payments. A low turnover means cash is tied up.

⚖️ Debt-to-Equity Ratio: Total Liabilities ÷ Shareholders’ Equity Indicates leverage. High ratios may scare off lenders or investors.

🔥 Burn Rate (Startups): Know how quickly reserves deplete—key for understanding your cash “runway.”

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Wrapping Up

If these articles sparked your interest, we have a network that you will love: Forbes Business Council.

This exclusive, vetted community brings together seasoned business leaders — founders, CEOs, partners, and other senior-level leaders of successful companies.

Put yourself at the forefront of innovation with access to publishing opportunities on Forbes.com, a personalized, SEO-friendly Executive Profile, and the chance to network with other respected leaders in the field.

Join Forbes Business Council today, and become part of a group driving meaningful innovation in business.