Steve Schaub

Rob Rigolfi brings over four decades of experience in real estate and business ownership. Holding MBA and BS degrees, he is also a licensed California real estate and business broker and licensed California general contractor. Rob’s professional affiliations are as a member of the California Association of Business Brokers and the International Business Brokers Association. Buyers and sellers can trust Rob's expertise and knowledge in the real estate and business brokerage industries

Rick Teh is a seasoned professional with over two decades of diverse experience spanning the food, retail, transportation, and information technology sectors. As a business advisor, Rick offers a unique perspective, blending corporate insight with entrepreneurial acumen. His expertise in business strategy, finance, and compliance stems from successfully establishing and managing his small business. Previously, Rick excelled in information technology, aiding large corporations in enhancing operational efficiency. Transitioning to his passion for sustainable food, he founded a chain of quick-service restaurants, fostering lean and profitable operations with a team of 100 employees. Rick holds a Bachelor of Science in Computer Science and an Executive MBA, giving him a strong foundation in both technology and business. As a licensed business broker in California and a Certified Business Intermediary (CBI), he is committed to providing tailored client solutions. The CBI, a prestigious designation awarded by the International Business Brokers Association (IBBA), reflects his expertise, experience, and adherence to ethical standards in business brokerage. Outside of work, Rick enjoys spending time with family, exploring the outdoors, and supporting environmental sustainability.

Jordan brings over 25 years of creative business and entrepreneurial success to Accel Business Advisors. Jordan’s diverse experience spans technology sales, business development, and marketing. His technology client engagements are focused on Internet services, SaaS software, mobile apps, ecommerce, and related technology solutions. He also works with a broad range of professional services companies, from marketing and creative design firms, IT consulting, and manufacturing. At WebEx, Jordan pioneered SaaS channel sales models and strategic marketing partnerships / alliances, extending SaaS-based web conferencing services as built-in features in third party solutions. At SLI Systems, Jordan created site search technology alliances in the ecommerce space, bringing best-of- breed search capability to e-commerce platform providers. Jordan also led early marketing and business development efforts for a mobile app company,Moxtra, now a leading productivity mobile app. In 2009, Jordan founded Psycho Donuts, which quickly become a Bay Area destination. Over 5 years, Jordan expanded the company, and vaulted the brand and concept to national visibility. Through grassroots PR and social media strategies, Jordan built Psycho Donuts into a colorful recognized brand, which has been prominently featured on The Food Network, Travel Channel, Entrepreneur Magazine, USA Today, and more. Jordan is a Certified Business Broker with CABB (California Association of Business Brokers), and has a Bachelor’s degree in Business Management. Jordan is married with two daughters. He enjoys playing piano, and staying fit through running, biking, and hiking.

Helen Li is an accomplished international business and economic development expert with a track record of over two decades of experience. Her extensive consultancy work has enabled companies to refine their global expansion strategies and drive their businesses forward. Helen's profound knowledge of the Asian and U.S. markets has equipped her with a remarkable ability to devise solution roadmaps that enable clients to leverage resources, scale operations, and establish synergistic global partnerships. She contributed to recruiting more than 60 international enterprises with over $ 3 billion inbound investment in California, while also supporting U.S. companies in expanding to Asia. Helen has worked closely with government officials and senior management on a range of projects, including international economic development, cross-border investment, real estate acquisition, high-tech, manufacturing, consumer products, education, hospitality and tourism. As a seasoned Mergers & Acquisitions professional, Helen is well-positioned to help clients achieve their objectives. Her extensive experience in this area has been a valuable asset to organizations looking to navigate the complexities of the market and make sound strategic decisions. With her guidance, clients can expect to receive top-tier support and achieve their business goals. In addition to her impressive professional achievements, Helen is also a passionate advocate for the performing arts. As the founding co-chair of the American Alliance of Art, Culture, and Education, a non-profit organization focused on promoting performing arts globally. She has devoted her time and expertise to promoting the global growth of this industry. Helen is also a respected member of several company advisory committees, where she provides valuable insights and guidance to help shape the future of these organizations. Helen holds a Master's in Business Administration. She is a licensed business brokerage agent in California, and a member of the California Association of Business Brokers (CABB) and the International Business Broker Association (IBBA).

Bakery & Café Business Broker | Former Multi-Unit Bakery Owner | Founder of Flour & Finance I am Brian Bacher, a bakery and café business specialist, business broker with Accel Business Advisors, and founder of Flour & Finance. I help bakery, café, coffee shop, and specialty food-service owners understand, improve, value, prepare, and sell their businesses. I also assist qualified buyers in evaluating opportunities, understanding operating requirements, preparing for financing and due diligence, and building a workable transition plan. My perspective comes from 27 years in the bakery industry, including 14 years owning and operating a three-location bakery business, combined with over eight years in business brokerage. I understand these businesses from both sides: as operating companies that must produce dependable financial results and as transferable assets that must withstand buyer, lender, landlord, and market review. Why Bakery Specialization Matters A bakery cannot be evaluated solely from its tax returns or equipment list. Its value and transferability are affected by the relationship among: • Sales volume, transactions, and average ticket • Product mix, pricing, and contribution margin • Ingredient, packaging, and purchasing costs • Production labor and scheduling • Waste, freshness, inventory, and production capacity • Seasonality and weekly sales patterns • Lease cost, term, options, and transferability • Equipment condition and replacement requirements • Owner involvement and key-person dependence • Documented systems and employee continuity • Buyer working capital and financing requirements I translate these operating realities into a clear assessment of performance, market value, buyer economics, and transaction risk. This gives owners a more useful view of where the business stands and what may need to change before it is presented to the market. Flour & Finance Flour & Finance provides specialized financial and operational advisory services for bakeries and cafés. The work is designed to help owners understand where financial or operational pressure appears, when it affects cash, and what is driving it. Services include: Bakery Profit and Cost Diagnostic A focused assessment of sales, ticket count, average ticket, labor, purchasing, prime cost, break-even, owner dependence, and other operating indicators. The objective is to identify the most important pressure points and determine whether further work is warranted. 13-Week Cash-Flow, Break-Even, and Runway Analysis A weekly view of anticipated sales, deposits, payroll, vendor payments, rent, debt, taxes, and other obligations. It identifies cash-pressure weeks, break-even requirements, and practical timing adjustments before problems become urgent. Margin, Inventory, and Product Flow Analysis A deeper review of where money is spent and how products move through the bakery. Depending on the available records, this may include purchasing, inventory, recipe and batch yields, production, product mix, waste, pricing, direct labor, and product or category contribution. Valuation and Exit Readiness Not every owner is ready to sell when the initial conversation begins. Some need to improve financial visibility, reduce owner dependence, correct records, stabilize performance, address lease issues, or establish a realistic value before entering the market. My valuation and sale-readiness work may include: • Broker opinions of value • Market research and comparable-business analysis • Financial normalization and seller’s discretionary earnings analysis • Review of revenue, margin, and labor trends • Pricing based on market evidence and buyer economics • Lease, equipment, inventory, and transferability review • Owner-dependence and operational-continuity assessment • Identification of issues affecting value, financing, or closing • A practical preparation plan before the business is marketed The objective is not simply to produce a number. It is to establish a supportable market position and explain how a buyer and lender are likely to view the business. Seller Representation When a business is ready for market, I provide seller representation through Accel Business Advisors. The process is built around confidentiality, accurate positioning, buyer qualification, disciplined communication, and transaction completion. Seller services include: • Confidential marketing and blind listings • Preparation and positioning of the business opportunity • Targeted exposure through appropriate listing platforms and buyer networks • Buyer qualification and proof-of-funds review • Management of inquiries and confidentiality agreements • Coordination of offers, due diligence, financing, escrow, and closing • Negotiation support • Lease-assignment and landlord-approval coordination • Communication with attorneys, CPAs, lenders, escrow officers, and other transaction professionals • Transition planning between seller and buyer My role is to protect the seller’s confidentiality, present the business accurately, keep the transaction organized, and move qualified parties toward a workable closing. Buyer Guidance Buying a bakery or café requires more than finding an attractive concept. The buyer must understand the operation, the lease, the staffing structure, the required working capital, and the responsibilities currently handled by the seller. Buyer guidance may include: • Defining acquisition goals and financial criteria • Evaluating bakery, café, coffee shop, and franchise opportunities • Reviewing operating trends and owner involvement • Assessing lease terms and transfer requirements • Identifying operational and financial risks • Preparing for due diligence and lender review • Coordinating with lenders and other professional advisors • Developing a training, transition, and continuity plan I help buyers distinguish between a business that is merely appealing and one that fits their financial resources, operating capabilities, and long-term objectives. How I Work My work is specific to bakery and café economics—not based on generic food-service assumptions. I separate verified facts from owner estimates, forecasts, and unresolved questions. I look at the business through the perspectives of the owner, buyer, lender, landlord, and market. The process generally follows a logical sequence: 1. Understand the business and its financial condition. 2. Establish a supportable value and identify material risks. 3. Improve or prepare the business where necessary. 4. Position and market it confidentially. 5. Qualify buyers and evaluate offers. 6. Coordinate due diligence, financing, lease approval, and closing. 7. Support an orderly transition of ownership and operations. This integrated approach allows an owner to begin with a diagnostic, valuation, or exit-readiness review and continue into representation when the business is ready for market. Serving California Bakery and Café Owners Brokerage services are provided throughout California through Accel Business Advisors. Flour & Finance advisory services are designed for bakery and café owners who need specialized help understanding profitability, cash flow, break-even, operations, value, or sale readiness. Whether you are considering a sale now, preparing several years in advance, trying to understand why profit and cash do not match sales, or evaluating a bakery acquisition, I provide practical guidance grounded in bakery operations and transaction experience. Learn more at [www.FlourandFinance.com](http://www.FlourandFinance.com).