Forty years experience as a banker and small business owner. Now a small business consultant,formerly a commercial banker, SBA loan officer and public relations officer with two major banks.Operated a small construction sub-contracting company for 10 years. With formal education in business administration and organizational behavior, brings a unique perspective to the management of a small business. Ron is Franklin Covey certified in Leadership and Certified by UT Austin as an International Trade Consultant. His company, Ditalini Management Associates, independently advises small business clients on finance and business planning. A published author, he has the expertise to communicate complex ideas in a meaningful and logical manner.He firmly believes that having a written plan is the single most important factor in the success or failure of most small businesses.Specialties: Business plan writing, financing operations, business coaching.