$500K+
Margin Recovered Across Portfolio
$180K
Recovered for One Brewery in 90 Days
11×
Advisory ROI in Year One
-The Real Problem
Growth Doesn't Break Revenue. It Breaks Cash.
Every F&B founder we work with has the same story: sales are up, the team is growing, the brand is gaining traction — and yet every month ends with less breathing room than the month before.
Revenue is often the last metric to show strain. By the time sales slow, the cash is already gone. Most founders believe they have a revenue problem. Most have a financial structure problem.
"I'd been blaming distribution and our taproom foot traffic. I never thought to look at what we were paying our suppliers."
— Regional Craft Brewery, $4.2M RevenueDoe
Contribution Margin Erosion
Discounting, freight, spoilage, and labor creep quietly eroding profitability on every dollar of revenue.
Channel Profitability Distortion
Mix shifts that create "growth" on paper — but actually lose money in specific channels.
Inventory Velocity Decline
Cash parked on pallets while demand changes. Working capital trapped in the warehouse.
Cash Conversion Cycle Expansion
Taking longer to turn product into cash — while suppliers demand payment faster.
Working Capital Compression
Growth funded by your bank balance — because the business is outpacing its own cash generation.
Our Proprietary System
The Shelf-to-Savings™ Framework
Five layers of hidden margin — built specifically for Food & Beverage operating realities. Every engagement runs through all five, uncovering where profit is quietly slipping through the cracks.
Most founders never see these gaps because revenue keeps growing. But growth often hides inefficiencies.
This framework exposes them — and turns them into recoverable profit.
| L1 | COGSCost of Goods | Misallocated product costs, supplier pricing never renegotiated, BOM errors, packaging cost changes not reflected in pricing. Where most brands leak the most. | Highest Impact |
| L2 | OverheadFixed Costs | Fixed costs allocated incorrectly across SKUs or production sites — masking your true performers and suppressing margin reporting on your best products. | Clarity Driver |
| L3 | Working CapitalCash Timing | Cash conversion cycle gaps — paying suppliers in 14 days while waiting 55 days to collect from distributors. The #1 driver of cash crunch in growing F&B brands. | Cash Freed |
| L4 | PricingChannel Margins | Channel-level contribution that’s negative. Promotional pricing that costs you money. Price increases that are 18 months overdue. Distributor terms that no longer make sense. | Margin Reclaimed |
| L5 | Growth TaxScale Friction | Software subscriptions, logistics contracts, broker fees, and 3PL rates set when you were smaller — never updated as you scaled into new volume milestones. | Fast Wins |
Engagement Options
Three Ways to Engage.
One Standard of Work.
We determine the right level of engagement together — based on where you are, what you need, and what your business can act on.
Financial Pressure Test
A 10-day diagnostic that stress-tests margin, cash flow, inventory, and working capital — and identifies the levers that break first, with a clear action plan.
Elite Finance Partnership
Our most complete engagement — an integrated finance function that includes ongoing accounting, payroll, tax planning, and deep CFO advisory built on the 16-driver monthly scoreboard.
Advisory-Only Partnership
For brands with strong existing accounting. Monthly fractional CFO coverage — decision support, scenario modeling, and continuous margin monitoring without replacing your current team.
-Real Brands. Real Numbers.
Zero New Revenue Required.
Elite Engagement — Craft Brewery
$180,000 Recovered in 90 Days. Not One New Customer Needed.
A regional craft brewery was growing at 11% per year — and couldn’t figure out why cash felt impossibly tight every single month. We ran a full Elite engagement across all five layers of the Shelf-to-Savings™ framework.
The working capital analysis revealed they were paying their hop supplier in 14 days while waiting 55 days to collect from distributors. That mismatch — not a lack of sales — was the engine behind their perpetual cash crunch.
What We Found
"Scotty found $180,000 sitting in our own P&L that we'd been walking past every single month. I wish we'd done this three years ago."
— Brewery Owner, $4.2M Revenue
About Scotty Palmer
Built for F&B. By Someone Who's Worked Inside Business
Scotty Palmer is the founder of Palmer’s Strategic Advisors and creator of the Shelf-to-Savings™ framework — built specifically for the operational realities of Food & Beverage: trade spend, freight-in, inventory turns, working capital timing, and co-packer dynamics that general advisors simply don’t understand.
He serves as the trusted CFO advisor for F&B founders doing $1M–$20M, helping them connect what happens on the shelf to what lands in the bank.
"My work is to make the invisible visible — and then put a dollar amount on it."
— Scotty Palmer, Founder
Why Choose Us
Strategic Financial Leadership for Scalable Business
CFO Advisory • Financial Strategy • Cash Flow Optimization
Strategic Financial Planning
We go beyond basic forecasting—building structured financial plans that align with your growth goals, improve decision-making, and ensure long-term stability
Data-Driven Business Strategy
Our approach combines financial data with operational insight to help you scale efficiently, improve margins, and eliminate costly blind spots.
Scalable Growth Systems
We implement financial frameworks designed to support sustainable growth—so your business can expand without breaking cash flow
Cash Flow & Capital Optimization
From cash conversion cycles to working capital management, we ensure your business has the liquidity it needs to operate and grow confidently
Advanced Tax & Financial Structuring
We help structure your finances intelligently—minimizing tax exposure while maintaining full compliance and audit readiness.
Ongoing Advisory & Support
Our team provides consistent, high-level financial guidance—so you’re never making critical decisions without expert input.
This service is designed specifically for Food & Beverage brands doing $1M–$20M in revenue, including CPG brands, restaurants, breweries, and manufacturers.
No. Most clients are actually growing but feel cash is tight. The goal is to fix hidden financial inefficiencies before they become bigger problems
We go beyond bookkeeping and accounting by analyzing your numbers to:
- Identify hidden margin leaks
- Improve cash flow
- Build financial systems for scaling
It’s about decision-making, not just reporting
- Bookkeeper: Records past transactions
- CPA: Handles taxes and compliance
- CFO Advisory: Helps you make strategic financial decisions and plan ahead
This service focuses on future growth and profitability, not just past data.
It’s a proprietary system that identifies hidden profit leaks across 5 areas:
- COGS
- Overhead
- Working Capital
- Pricing
- Growth inefficiencies
It connects operations to actual cash in your bank.
Most businesses start seeing insights within 10–30 days, with measurable financial improvements often within 60–90 days.
No — the focus is different.
We recover profit from existing operations without needing more sales
Clients have achieved:
- $180K recovered in 90 days
- $210K in hidden margin identified
- 11× ROI on advisory services
Results vary, but the focus is always measurable financial impact.
Pricing is customized based on your business size and complexity.
Every engagement is designed to deliver a return greater than its cost
No. In most cases:
- Your current team stays
- We add a strategic layer on top
Or we can provide a fully integrated finance function if needed.
Scotty Palmer
Stretegic Advisor
Perignon Stone
ManagerSimply the best approach for your company we Are Contact us
Share your details in the form, tell us about your needs, and we’ll get back with the next steps.
General enquiries
inquiry@palmersadvisors.com
Customer sales enquiries
+1(941)-356-4204
Sophie Mac
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Kayla Reid
"It’s incredible to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Leana Kayden
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Olive Barons
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Austin Jesus
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Peta Rain
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Britten James
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Sophie Mac
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Kayla Reid
"It’s incredible to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Leana Kayden
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Olive Barons
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Austin Jesus
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Peta Rain
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Britten James
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Sophie Mac
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Kayla Reid
"It’s incredible to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Leana Kayden
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Olive Barons
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Austin Jesus
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Peta Rain
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Britten James
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Sophie Mac
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Kayla Reid
"It’s incredible to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Leana Kayden
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Olive Barons
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Austin Jesus
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Peta Rain
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."
Britten James
"From planning to execution, the process was flawless. The team ensured every ad campaign aligned perfectly with our goals and audience preferences."