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financial management issues so they can experience
more profitability in their business.

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Maximizing Profitability for Today’s Small Business

Fusion 4 Business – a business development consulting firm – bringing together business solutions for financial health and wealth. Check out our programs and services that can help you maximize profits.


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The sky is not the limit! Let us show you how to maximize your potential and reach your goals through our various training programs.


We Are Your Financial GPS

We help guide you in the right direction. We can answer the questions you have to solve the problems you may not know you had!

Client Reviews

Phoenix Law Chambers

It is the best decision I have made to engage the services of Here4Ubiz Services by Joyce Hayward. If you think you cannot afford accounting services, think again! You cannot afford to be without the services of a good service provider. I rate Joyce as one of the best. She is efficient to a 'T' and will leave no detail behind in helping you to get and keep organised.
- G. Rick Woolridge Jr

Chatmore British International School

“If you are a small business owner or charity, undoubtedly you are responsible for managing the finances and may need some overall insight and support. If this is you, I highly recommend Joyce and Phyllis! Never have I had the level of individual support and guidance regarding financial management. The i’s dotted and t’s crossed - at every level. Honestly, for me it’s painful especially since my strength is not in this area but like a good gym workout - it’s worth it! I understand so much more after each meeting. If you have a business and you feel you’d just like to have someone to look over what you’ve been doing, or require some intermittent coaching on your accounts toward a particular project or you simply want to move from great to excellent - this is the way to go! This is the first time in 20 years I have exactly what I need to understand, operate and grow the business - financially. When they say “Here 4 You” they aren’t kidding!”
- Angela Fubler - Executive Director

Cindy L. Morris, MD, Dipl. ABA

Complete Care Clinic is honored to have Joyce as our accountant! I sought someone who would be unintimidating, thorough, who would improve our skills with basic bookkeeping, while being understanding of our time needs in juggling the clinical and administrative duties. Joyce has been that and more - simplifying our records, and helping us understand the financial side of business in a practical manner. We look forward to a continued successful relationship.
- Dr. Cindy Morris - Medical Director