Build your financial confidence. Unlock your career potential.

Understand the foundation. Learn how money moves. Start thinking like a value creator.

Level 1 is where your journey begins. In this foundational track, you’ll learn the essentials of business finance—what the core financial statements mean, how they work together, and why they matter. You’ll discover how to connect your personal finances to business concepts, demystify cash flow, and explore the real drivers of profit and value.

By the end of this level, you won’t just know how to read financial statements—you’ll understand how to use them to lead, grow, and make smarter decisions.

What’s Included:

• Your life is like an income statement

• The balance sheet — your home's financial twin

• The unsung hero — statement of cash flows

• How financial statements flow

• Misconceptions about cash

• The income statement revealed

• The ins and outs of the balance sheet

• The treasures of the statement of cash flows

• How to compute free cash flow

• The shortcut to computing free cash flow

• Analyzing financial performance and value creation

• Driving value with strategy and finance

• Financial levers to improve performance

• Becoming a value creator

• 5 things you need to know about finance and strategy

Build your fluency. Learn the rules, the structure, and what really drives value.

Level 2 takes you deeper into the language of finance, helping you move from basic understanding to functional fluency. You’ll learn how business structures, accounting systems, and financial reporting all connect—and why they matter to you as a business leader.

You’ll also discover the top reasons companies fail, how to spot financial danger zones, and how to think like a strategic financial leader. From understanding economic profit to working capital and investment rates, this level gives you the tools to interpret performance and drive value.

What’s Included:

• Welcome to Financial Pro

• Strategic financial leadership and you

• Entity structures

• GAAP vs. IFRS, cash vs. accrual

• Buckets and the general ledger

• Financial statement overview

• Financial statements and the 3 things that kill businesses

• Killer #1: Cash flow

• Killer #2: Customer acquisition costs

• Killer #3: Throughput

• Wrapping up the financial statements

• Accounting vs. finance

• Breaking down free cash flow

• Computing the investment rate

• NOPAT vs. NOPLAT

• Value and components of economic profit

• Breaking down the value formula

• Communicating value through multiples

• Value and the stock market

• Invested capital

• Changes in working capital

• Net PPE and CapEx (Part I and II)

Turn numbers into insight. Learn to analyze performance, identify patterns, and spot what others miss.

In Level 3, you’ll learn how to go beyond reading the numbers—you’ll learn how to analyze them. This level gives you practical tools to assess financial health, evaluate strategy execution, and make data-driven decisions. You’ll explore frameworks like the Value Logic Tree, learn to common size statements, and break down revenue, margin, ROIC, and more.

You’ll also work through real company case studies and scenarios, discovering how to evaluate performance across profitability, liquidity, leverage, and growth. Whether you're reviewing your own company or analyzing others, this level equips you to think like an investor and lead like a CFO.

What’s Included:

• Introduction to analysis

• The value logic tree

• Common sizing financial statements

• Breaking down revenue

• Breakeven revenue

• X-Factor

• Case study with margin, invested capital, and ROIC

• EBITDA vs. EBITA

• Why ROIC is better than ROA or ROE

• 3 scenarios when ROIC may not work

• Scenario 1: High upfront or lumpy investments

• Scenario 2: Expensed investments

• Scenario 3: Asset-light businesses

• Accounting for inflation

• Other financial metrics

• First Solar case study: setting up the financials

  • Profitability

  • Liquidity

  • Leverage

  • Growth

  • Asset management

• Choose your own adventure for analysis

• Setting up the financial analysis overview

• Analyzing the income statement (case study)

• Evaluating the balance sheet (case study)

• Analyzing the statement of retained earnings (case study)

• Final remarks on analysis

Look ahead. Build a smarter financial future.

In Level 4, you’ll learn how to turn data into direction by creating forward-looking financial forecasts. Forecasting is more than guessing—it's about structuring your thinking, aligning strategy with numbers, and building a roadmap for growth, investment, and decision-making.

You’ll explore the difference between forecasting and budgeting, understand the key components of a reliable forecast, and walk through real case studies to forecast revenue, expenses, capital needs, and financing. Whether you’re preparing for scale or simply trying to gain visibility into your company’s future, this level shows you how to think like a forward-focused CFO.

What’s Included:

• Introduction to forecasting

• Forecasting vs. budgeting

• The high jump, arm wrestling, and the hockey stick

• Setting up the forecast with these 3 financial statements

• The two-part forecast

• Components of a good forecast

• Choose your own adventure for forecasts

• The forecast overview

• Jumping into the forecast (case study)

• Forecasting revenue (case study)

• Building the income statement forecast (case study)

• Creating the balance sheet forecast (case study)

• Forecasting the statement of retained earnings (case study)

• Forecasting capital expenditures

• Reconciling the balance sheet with financing

• Estimating long-term debt

• Check this out before proceeding

Understand what a business is worth—and what drives that value.

In Level 5, you’ll learn how to determine the value of a business and what factors truly drive it. Whether you're preparing for a sale, raising capital, or simply making better strategic decisions, valuation is a critical tool for every business leader.

You’ll explore the most common approaches to valuation, how a discounted cash flow (DCF) model works, and how to estimate continuing value, WACC, and upside potential. Through practical walk-throughs and case studies, you’ll build a working valuation model and learn how to compare current value to optimized future value. This level gives you the tools to think like an investor—and lead like a value creator.

What’s Included:

• Introduction to valuation

• Pillars of value creation

• Common approaches to valuation

• How a DCF model works

• Estimating continuing value

• The two approaches to a DCF

• Computing WACC

• Choose your own adventure for valuation

• Setting up the valuation model overview

• Creating the valuation model (case study)

• Exploring the approaches to valuation (case study)

• As-is versus optimized valuation (case study)

Use finance to guide strategy. Turn insight into action.

In Level 6, you’ll bring everything together by learning how to build and execute strategy through a financial lens. This level shows you how high-performing leaders think — using data to guide priorities, align teams, and create long-term value.

You’ll explore what strategy really is (and what it’s not), how to tie growth and ROIC to value creation, and how to use tools like the Strategy Blueprint, IARs, KPIs, and FSRs to create a culture of performance and accountability. This is where financial intelligence turns into leadership.

What’s Included:

• Introduction to strategy

• What is strategy

• Approaches to strategy

• Value creation drivers: growth and ROIC

• Strategy blueprint

• Initiatives, actions, and results (IARs)

• Key performance indicators (KPIs)

• Measuring performance and the FSR

• Next steps

• Final remarks

OUR PROMISE:

This is not a marketing program where we hook you with free content and then hold back the best stuff to upsell you later. Instead, this program includes our top-quality content, all for free. We can offer this because of the success of Coltivar, which sponsors this passion project for people like you. Our promise is to deliver the highest quality, most relevant content to empower you with financial skills and help you succeed in business. All we ask is that you share this program with anyone who might benefit if you find it valuable. Free, forever — that’s our promise.

PROGRAM OVERVIEW:

Welcome to Financial Pro! This free step-by-step program is designed for business leaders, aspiring finance professionals, and small business owners. It starts by teaching you a fresh approach to reading the income statement, balance sheet, and statement of cash flows, helping you understand what's really going on behind the numbers. From there, you'll learn how to analyze a company's financial performance, build a forecast based on its strategy and trajectory, create "as is" and "optimized" valuation models to unlock hidden potential, and bring everything together by bridging a company's mission and money to increase firm value.

WHY THIS PROGRAM IS UNMATCHED:

• Expert-Led Transformation: Learn directly from Steve Coughran, whose strategies have propelled companies to unicorn status, creating billions in value. His hands-on approach in finance and strategy guarantees you're learning from a master of business growth
• Strategic Focus: This program is the only one of its kind that melds strategy with finance, focusing your attention on the most crucial value drivers. It's designed to enhance your strategic approach, significantly increasing cash flow and firm value
• Accessible Worldwide: Dive into our extensive content library from any device, anywhere. With over 90+ videos, quizzes, and monthly group calls, support and accountability are just a click away

PROGRAM STRUCTURE FOR SUCCESS:

• Comprehensive Learning Library: Instant access to over 100+ face-to-face white board videos and quizzes, with new content added regularly to keep you at the forefront of financial mastery
• Community and Support: Engage with a private online community to ensure you're never alone on your journey to success

TOOLS AND RESOURCES TO PROPEL YOU FORWARD:

• Interactive, Case-Based Learning: Ditch the boring Zoom-style training and enjoy a fresh, face-to-face video experience where Steve walks you through lessons on the white board and within an actual case-study
• Real-World Tools: Access proprietary tools used by industry leaders for financial forecasting, performance tracking, valuation, and more, empowering you to make informed decisions

FORMAT AND DELIVERY:

• Self-guided, online instant access via an engaging app and platform
• Interactive online community forum for peer and expert engagement