I first worked with Galia on business projects I assigned to her while she was obtaining her MBA. Her work was exceptional. I then hired Galia in 2009 to assist with several businesses that required financial consulting. Again, her work was exceptional.
I have the highest regard for her work ethic and results driven skill sets.

Dennis Ackerman
Founder, Bank of America Entrepreneur Center, Old Dominion University, Norfolk VA
President, ICW, Inc.
Business Development Officer, SpatiaLogic, Inc.
http://spatialogic.com

"Galia was instrumental in bringing together the team to re-brand RDA homes. Working with her and her staff was a pleasure and the end product has turned out extremely well!"

Thomas Retnauer
President, Retnauer Baynes Associates, L.L.C.
www.rdahomes.com

I am pleased to provide a reference for Galia Kouzmanova. I have known her for many years and met her when she served as Controller at First Baptist Church of Norfolk. She was very gracious and extremely knowledgeable and helpful to me as I began my career as a church administrator.

In short, Galia was a godsend for Grove Baptist Church. She came to Grove as a consultant in 2010 to help us prepare for financial reviews and audits and conduct training of three full time inexperienced staff in Accounting. Soon after she came, the Director resigned and Galia was left to lead the office staff and complete the audits. As a direct result of her excellent work, we were able to complete financial reviews for two years and audits for three years . She was also instrumental in the selection of our new Director of Accounting who is an incredible leader, and skilled accountant.

Galia is incredibly knowledgeable of accounting and business systems. She helped us save over $100,000 through referring us to her many business contacts. She is a fast learner and works well with even the most difficult of people. Words I would use to describe Galia are: professional, gracious, pleasant, polite, dependable, accountable, and dedicated! We will always be indebted to her for bringing her considerable skills to bear in our church operations.

I recommend her highly to you as a person of integrity, professionalism and skill.

Dr. Margaret (Maggi) L. Curry-Williams,
Minister of Administration
Grove Baptist Church, Portsmouth, VA

Having known Galia for several years she is a consummate professional and maintains the highest level of customer satisfaction across the board. I gladly recommend her work as she always puts her clients needs first.

Debbie Marable
CPA, REALTOR, CDPE, GRI, ABR, e-PRO
The Real Estate Group
www.DebbieMarable.com

I have had the opportunity and pleasure of working with Galia recently and I have been particularly impressed with how she always puts others first - That can be her business partners, clients, you name it she goes above and beyond.

She is respectful, selfless, a good listener, has good judgment and will be able to discern how best to serve her clients. Her experience and knowledge as a business consultant and partner are second to none and are additional assets for consideration. For these reasons, I fully endorse and trust my clients and referrals to Galia and her company

Robert Morris
Strategic Partnership and Alliance Manager
Axia Payment Services
Your Partner in Payment Services
Raleigh-Durham, North Carolina Area
http://www.axiapayments.com/
http://www.businessasmission.biz/

Galia donated her time and expertise to address two NxLevel training classses, one in Hampton, Va. and one in Williamsburg, Va. She gave an awesome presentation to the businesses attending. She developed and presented handouts to the clasees that were chock full of information they need to know and answered their quesitons with ease. I will certainly be calling on her in the future.

Sheila Guillette-Moore
Business Analyst
Hampton Roads Small Business Development Center

I will not address Galia's education, knowledge or professional expertise since all of these can be easily gleamed from her profile. I would like, however, to highlight her deep understanding of enterpreneurs and the business startup process. Having Galia as a guide and a partner will make the fascinating journey of starting a business a much more rewarding experience both personally and financially.

Sam Basta, MD, MMM, FACP, CPE
Founder , Healthcare Innovation by Design
Founder and President , at Guardian Health Advisors, LLC
Medical Director , Clinical Care Services at Optima Health
Medical Director , Physician Education and Leadership Developoment at Sentara Healthcare
http://www.sambasta.com
http://www.optimahealth.com

I highly recommend Wealthbudget's consulting services to new and existing small business owners. They are committed to helping small business succeed in all areas of their business. The best in customer service!

Lauren M. Small, MBA
Business Analyst
Hampton Roads Small Business Development Center
www.HRSBDC.org

Galia is an amazing person who is very professional and caring. She is easy to work with and always has the best interests of her clients in mind. Her unique experience and business knowledge is admirable and is a valuable asset to many different organizations.

Scott Burke, MBA, CPA
Owner/President
Padgett Business Services®
Small Business Tax preparation, Financial Reporting, Bookkeeping, Payroll
www.virginia-cpa.com

“I just recently had the pleasure to work with Galia and my experience was nothing but positive. Galia was not only personable but her attention to customer satisfaction was evident from our first meeting. The entire project was flawless and Galia demonstrated flexibility and adaptation to her customer needs.”

Frederic Peycelon, MBA
Sr. Director of Marketing & Client Services
LifeNet Health (a $140 million a year bio-implant and regenerative medicine company)
www.lifenet.org

"When I first met Galia I was impressed first with her dynamic personality. Now her knowledge, skills and ability are helping me get my new business off the ground. She can help you get yours off the ground or help you take your business to the next level."

Bart Folta
Owner, Clear Ocean Beverage Distributors
The Distributor for PENTHOUSE CLEAR Energy Drinks in VA, NC and SC.
www.penthouseclear.com

Galia is an absolute pleasure to work with. Personable, professional and extremely knowledgeable. Her attention to detail and follow-through are exceptional and she's not done with any project until the client is completely satisfied.

Tom Walker
President, Web Teks, Inc.
Web Teks Inc. is the premier eBusiness consulting and solutions firm headquartered in Hampton Roads, Virginia.
www.webteks.com

Galia has been very professional, enthusiastic, patient, and diligent in working with me to achieve my goal of opening my Optometry business. She is very informative and passionate about assisting with your profession.

I am very pleased with her work ethics and gladly recommended her to others. She was outstanding to work with! She doesn't work for you but works beside you all the way.

Dr. Troy Morgan
Morgan Vision Care
Virginia Beach, VA
www.morganvisioncare.com

"I had the privilege of working with Galia Kouzmanova at First Baptist Church of Norfolk. Our project was the establishment of a core set of productivity ratios to increase the effectiveness of certain ministries as well as the overall productivity of the Church. In my twenty five years of working with corporate controllers, I have never found one who could equal Galia\'s lightning grasp and interpretations of statistical data. If I were to again partner with someone on a productivity project, she would be my first choice. She has proven herself to be dependable, reliable and responsible, and has demonstrated consistent initiative."

Ben R. Parrish
President
Team Performance Consultants, Inc.

"Galia Kouzmanova worked for the National Statistical Institute of Bulgaria and helped them to prepare for admission into the European Union. She coordinated a series of projects that helped bring Bulgaria into compliance with international rules and standards, working closely with the United Nations, the World Bank, and the International Monetary Fund. She gained noteworthy experience in fundraising, negotiations, banking, currency exchange, international correspondence, business etiquette, and business presentations."

George M. Yacus, PhD
Chief, Performance and Quality Branch
United States Coast Guard
Atlantic Area/Fifth District
Resource, Planning and Performance Division

"Galia Kouzmanova is everything one would wish for in others and highly valued in business. She is the epitamy of ambition, dedication, skillfulness, innovation, the highest standards and moral fortitude. Her management skills are extraordinary and jealously welcome to us in the Association of Management. She has been most responsible and immensely successful in many sectors entailing accounting, finance, worldwide communications, organizational design and structure, and human resources. A remarkable strength in our global organization!"

William Arthur Hamel, PhD, CEO
Association of Management/International Association of Management

"I have known Ms. Kouzmanova in my capacity as Research Assistant Professor, College of Business and Public Administration, having taught her in the MBA capstone course. I wish to place on record the consistently brilliant academic performance. In my five years of teaching at the graduate level, she has been the best student I’ve taught. She sets high standards for herself, and consistently meets them. Her in-depth research project exploring the strategic decisions of the Marriott Corporation was by far the best project in a class of almost 50 MBA students. She is extremely co-operative and possesses the capacity to contribute positively while working as a part of a team."

John J. Kiefer, PhD
Research Assistant Professor
Old Dominion University
Graduate Center for Urban Studies and Public Administration