By Cameron Nyack: Running a business without a forward-looking financial plan is like driving with your headlights off—you might move forward, but you’re doing it unthinkingly. In today’s rapidly shifting business environment, owners and managers must think beyond the next few weeks or months. They need a structured three-year budget, strong 90-day sales and expense forecasts, and consistent cash flow tracking to protect their operations, guide decision-making, and stay ahead of competitors. A business with a plan survives. A business with a three-year plan thrives. Below is a detailed guide on why these tools matter—and how they empower small and medium-sized businesses (SMBs) to operate with clarity and confidence. Save Big on Healthcare with AVI HealthShare! Tired of high premiums and limited networks? With AviBusinessSolutions.com/healthcare , you get affordable monthly costs , nationwide provider access , $0 telemedicine , prescription savings, and mental health support—al...