Know exactly what your numbers mean — and what to do about them.
For owner-operated businesses doing $1M–$20M. We turn your monthly financials into a clear playbook for your next move — working alongside your bookkeeper, at a fraction of a full-time CFO.
Three questions every owner should be able to answer cold.
Every owner-operated business runs on three questions. Make / Spend / Keep is the framework we use to make sure you can answer them — cold, confidently, and in plain English.
- Which jobs, clients, or products actually make money — and which just look busy?
- What does it actually cost me to deliver — fully loaded?
- If I raised prices 10%, what would I gain — and what would I lose?
- Which part of the business is the engine, and which is the anchor?
- What am I spending on that I wouldn't miss if I cut it tomorrow?
- Is my team the right size — or am I paying for capacity I don't use?
- What's the next hire that actually pays for itself — and when?
- Where could I cut 10% without anyone noticing it?
- Why does my P&L say I made money but my bank account doesn't agree?
- How much can I safely pay myself without starving the business?
- If I want to hire, expand, or invest — what do I need in the bank first?
- Am I funding growth out of profit, or quietly going into debt to chase it?
Three ways to put the framework to work.
The Clarity Sprint / 4 weeks
A complete read on your business: where the money's actually going, what your real margins look like, and the three highest-leverage moves to make in the next 90 days. You walk away knowing exactly where you stand — whether we keep working together or not.
The CFO Seat / ongoing
The strategic finance partner you'd hire full-time if you could. Monthly business reviews, 13-week cash forecasting, and decision support on every major move — pricing, hiring, debt, distributions. We work directly with your bookkeeper so your books and your strategy stay in lockstep.
The Big Move / project-based
When the stakes are high and the decision is irreversible — buying a building, opening a location, taking on a partner, selling the business — we model it, pressure-test it, and walk it through with you until you're confident.
Book a 30-minute clarity call.
Bring one decision you've been stuck on. We'll help you think it through — and tell you straight whether we can help, whether your bookkeeper has it covered, or whether you need something else entirely.