Joel is Sagely's Finance Sage (Expert in Residence) advising small businesses on access to finance (loans & grants), financial planning & analysis, financial statements & projections, and finance strategy. Joel has over 15 years of experience advising small businesses, ranging from small mom & pop shops to multi-million-dollar trucking companies. In his day job, Joel leads the annual budget and forecasting processes for IRC’s $1.0 billion programs budget, driving strategy and performance through business reviews, strategic financial planning, and detailed financial forecasts.