Income and Children in London

April 16, 2015 by

London has highly concentrated wealth in its central boroughs, with average incomes in Kensington and Chelsea and the City of London at £137,000 and £117,000, respectively. Barking and Dagenham has the lowest average income: £22,800. Income in London is highly, inversely correlated with the number of children per adult. Barking and Dagenham has almost twice the number of children per adult (.33) compared to Kensington and Chelsea (.17). While the idea that wealthier families have fewer children has been extensively studied, the scale of difference here is quite striking.

–Source: 2011 UK Census
–Created by: Staff at Webster Pacific


London Income

London Scatter

Where Is The Wealth In Miami-Dade County?

March 27, 2015 by

When it comes to wealth and Miami-Dade County, it’s all about the coast. The greatest density of wealth is found in Miami along all the coastal areas, with the following exceptions: the area due North of Edgewater (5) up to Aventura (30) and Sunny Isles Beach (28), as well as the area South of Palmetto Bay (81).

Map-Miami vQL4

Miami Census Data— Source: ACS

— Compiled by: Staff at Webster Pacific

In Which Part of Beijing Are There The Most College Graduates?

March 13, 2015 by

While the districts of Xicheng and Dongcheng represent the core of Beijing and have real estate prices on par with many of the most expensive cities in the world, the part of Beijing with the greatest percentage of people with a college degree is in Southeastern Haidian District, where most of the top-tiered universities, like Tsinghua University, Peking University and Renmin University of China, are located. Certain sub-districts in Chaoyang, where most Fortune 500 companies and expatriates live, also have a higher percentage of college-educated population compared with other areas.

College Graduates-Beijing

Beijing Census Data

— Data Source: Beijing Population and Census Data

— Compiled By Staff at Webster Pacific

Which Neighborhood In San Francisco Has the Highest Average Income?

March 7, 2015 by

What neighborhood has the highest average income in the City of San Francisco? Surprisingly, it’s not the well-known neighborhoods in the Northern part of San Francisco like Pacific Heights, Presidio Heights, Cow Hollow or the Marina. It’s actually West Twin Peaks and Noe Valley, both in the Southern part of the city. We would surmise this has something to do with the explosion of wealth in Silicon Valley and the desire of dot-commers to live in San Francisco. Worth noting is Portrero Hill and Bernal Heights, also in the Southern part of the city and also with significant average income.

Of course, if you go North to Marin or South to San Mateo County, you will find neighborhoods with substantially higher average incomes.

Image 1 - San Francisco, Marin & San Mateo Average Income Map

Image 1 – San Francisco, Marin & San Mateo Average Income Map

Image 2 - San Francisco Area Census Data

Image 2 – San Francisco Area Census Data

— Data Source: ACS (American Community Survey)

— Compiled by: Staff at Webster Pacific

News From Webster Pacific

November 20, 2014 by

A Quick Note

Webster Pacific has been providing strategic and financial consulting services for over 10 years. We had a mini-celebration earlier this year to mark this milestone. My partner Susan Beans and I wanted to reach out to our network and share this news, as well as to give you the elevator pitch on what we do. Here goes:

We provide consulting services in three areas: business strategy, business intelligence and interim-CFO services. We do this work because we love the clarity that a data-driven approach can provide, we love solving problems and making progress and, finally, we love serving our clients.

Over half of our work for the past seven years has been in the realm of K-12 education, in both charter schools and private schools.

Recently, we have had the opportunity to develop an expertise in work that helps our client make better site selection decisions. This work involves geographic software, supply research and demographic demand information. We are calling this work demand-supply-catchment analysis.

A generic example of our work follows below, but for now I will close and say thank you for your support.


Tom Paper


Example of Demand-Supply-Catchment Analysis

Greater Boston Area Demand-Supply-Catchment Analysis

The shaded map above shows the density of a certain age group from households with income over a threshold amount per square mile in various neighborhoods in the Great Boston Area. Triangles represent competitive retail locations, grouped into two tiers of quality. The red ring represents a “catchment,” based upon a particular drive time around one particular retail location (the green triangle).

A full catchment analysis would calculate the demand-supply imbalance for a catchment around each neighborhood and rank the neighborhoods based upon attractiveness (i.e. the greatest imbalance).

Using this approach, Webster Pacific can help clients in a variety of businesses to navigate site selection and better understand the markets they are considering.


— Source: ACS

— Compiled by Staff at Webster Pacific

Latest Projects – November 2012

November 10, 2012 by

We just finished a project and have three interesting new projects underway:

  • The just finished project was a financials systems audit & review for a well-known non-profit here in the Bay area.  Over the course of a month, we reviewed their financial systems, processes and personnel.  We helped the client develop new budget and cash flow forecasting processes.  (Susan)
  • We’ve started a project to help an individual make the case to a very large client of theirs that they (the large client) should open a line of business serving smaller start-up clients.  Because start-ups can’t pay for services, the idea is that they will pay for services with equity and the very large client will benefit by a portfolio approach, where they will a) make significant money with the start-ups that grow into a valuable entity, from the equity they receive, and b) make money from these same start-ups that make it because they may become clients of the company.  The project is being completed with a spreadsheet model which has been developed but is still robust enough to run multiple scenarios.  (Palak/Tom)
  • We’ve started a project to help build a financial model for a company that provides data center and IT process automation technologies and services. (Dan/Tom)
  • We’re working on a project to help a client build a spreadsheet template for analyzing the finances of state governments, including their assets and liabilities and budgets, expenditures and cash outlays.  State government finances are often murky and we are really enjoying the process of bringing clarity and a systematic approach to bear upon this subject. (Tom/Shanshan)

Latest Projects – March 2012

March 18, 2012 by

We just started a business intelligence project which will use a cloud database (Microsoft Azure) and Microsoft Excel.  The client is an owner of farmland in California, less than $10 million in total revenues, and we will be helping them develop a system to understand, primarily, profitability by field and by crop.  We are excited by the opportunity to provide a robust, dependable and scalable system to a fairly small company at a reasonable price.

Latest projects – February 2012

March 3, 2012 by

We’ve started several new projects in the past month:

  • We are helping an education consulting firm build a model that estimates expected future teachers salaries for school districts depending upon various operational scenarios.  (Haryanto)
  • We are helping a sustainable food company develop its business strategy and fundraising plan.  (Tom/Palak)
  • We are helping a non-profit organization that provides health counseling services to decide upon various strategic investment opportunities and also to develop their strategic learning systems.  (Cristel/Haryanto/Palak)
  • We are building a financial and business planning model for a company using a Groupon-type fundraising technology applied at a local level.  (Palak/Haryanto)

Latest Projects – Sep 2011

September 25, 2011 by

Here’s a brief summary of the projects we are working on currently or have recently completed:

From July 2011 through present:

  • Helping software company with about 900 employees around the world think through options for an Human Relations Information System (HRIS).   Also helping optimize their Excel sheets which manage the current system.  Likely to move forward with a plan to build a high-fidelity prototype in Access and Excel as a bridge towards a long-term system.  (Tom/Cristel/Haryanto/Daniel)
  • Working with non-profit organization to implement a business intelligence system for one of their two main functional areas.  This system will allow them to understand profitability (sustainability) for each customer. (Cristel/Palak/Tom)
  • Analyzing interest rate hedging options for large client.  Also analyzing expected future leverage ratio given various capital expenditure outcomes.  (Tom)
  • Guided construction and real estate development efforts for large client that builds about four new facilities each year in locations around the country.  Development is based upon consumer demand and economics of locating facilities in each particular location. (Tom)
  • Helping k-8 school that is implementing a hybrid-learning model to better understand financial results and opportunities for leverage. (Tom / Palak)
  • Transferring ownership and management to client of a safety tracking database solution that Webster Pacific developed earlier in the year. (Haryanto/Daniel)
  • Completed merger of client engaged in development of healthy food ingredients with Swiss company that is a leader in synthetic biology systems .  Webster continues to provide services to the merged entity.  (Susan)
  • Established entity to act as a Stockholder Representative and currently executing all duties of a Stockholder Rep, primarily sales of stock and management of earn-out provisions.  (Susan)
  • Organized and led team in the application, to a division of the US Treasury, for an allocation of New Market Tax Credits related to real estate investments in qualified areas.  (Tom)
  • Statewide comparative financial analysis of K8 schools, including normalization between union and non-union compensation. (Susan / Cristel)
  • Spoke at the annual Salesforce user conference in San Francisco to a non profit audience about ways in which real time information about alumni is a powerful tool for program improvement and fundraising.  (Cristel)

From January to June 2011:

  • Negotiated with State auditing agency to establish a new approach on providing fiscal oversight of client’s operations in that state.  (Susan)
  • Vendor selection and management of study by international real estate advisory company on client leasing practices.  (Susan)
  • Prepare Request for Proposal (RFP) and participate in search and selection of audit firms and national legal counsel for multi-state education service provider.  (Susan)
  • Negotiated new contract with janitorial and maintenance service providers for multi-state client.  (Tom)
  • Created fiber flow supply chain model (high fidelity Excel prototype) for forest products company.  (Haryanto)
  • Created database for tracking safety observations for 500+ person manufacturing company.  (Daniel / Haryanto)
  • Developed and managed addressable market model (high fidelity Excel prototype) for client considering investments in various locations around the US.  (Haryanto / Tom)

Prior to 2011:

  • Developed enrollment systems and alogorithms that increased capacity utilization by over 1.0% for large educational client.  (Tom/Susan)
  • Analyzed causes of attrition and developed strategies for student retention for large eduational client.   (Tom / Susan)
  • Acted as CFO internet video production company.  (Susan)
  • Based upon analysis of a segment of forest products industry, helped develop the case and strategy for making acquisitions in that segment.  (Tom)

Wear wristwatch? Use e-mail? Not for Class of ’14 – Yahoo! News

August 17, 2010 by

I still don’t get how email is a dinasour. 

Wear wristwatch? Use e-mail? Not for Class of ’14 – Yahoo! News.


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