Financial Coaching for Business Owners
Your business is doing well. So why does money still feel so stressful?
The problem
You built something real. Revenue is higher than it's ever been. By every outside measure, your business is doing well.
So why does it feel like you're one surprise expense away from it all crumbling?
One month you skip paying yourself because revenue dipped or a big business bill landed. The next month, you're pulling from the business account to cover a personal bill. Payroll weeks, the big rent payment, the quarterly tax bill: each one feels like a small emergency.
It feels like you should be able to spend more freely. But you never quite know what you can actually afford.
Pay down the credit card? Build a cushion? Finally give yourself a raise? Everything feels urgent, and it's hard to know what to tackle first.
You're not bad with money. You're running two financial lives at once, and nobody showed you how they fit together.
Why it never seems to get easier
Most financial advice solves one problem at a time, without looking at the whole picture.
I often see business owners max out a retirement account because their CPA said it would lower their taxes. Smart move, on paper. But if the only way to fund it is putting more on a credit card, the interest can easily cost more than the tax savings.
Nobody is looking at how money moves between your business and your household.
But that's usually where things break down. When personal spending isn't planned, money gets pulled from the business in unplanned ways, often right before payroll or a big bill hits. And when the business pays you inconsistently, sticking to a household budget is nearly impossible.
Fixing one side without the other only solves half the problem. That's often why the things you've tried haven't stuck.
Hi, I'm Sarah
A financial coach for business owners whose business and personal money feel tangled together.
This is where I come in. Together, we answer two questions:
How much do you need your business to pay you for your household to feel stable?
How much can your business actually afford to pay you, consistently, without putting it at risk?
If those numbers don't match, we figure out what needs to change and what to tackle first. Then we make those changes together.
No question is too basic. Many of my clients forward me emails from their CPA and ask, "Okay, what does this actually mean?" That's exactly what I'm here for. If you've been nodding along with your other financial professionals while quietly feeling lost, you can ask me the "dumb" questions. (They're not dumb. They just never got answered in plain English.)
And because money is personal, we make room for that too: how you grew up with money, how decisions get made in your household, and the stress you carry for your business.
Working together, we focus on
Getting clear on your numbers
What your life actually costs, including the big irregular expenses
What your business brings in, and what it truly needs to run
What you should be setting aside for taxes
Closing the gap
Realistic options on the business side: pricing, revenue, expenses
Realistic options at home, while protecting what matters most to you
Deciding what to tackle first
Smoothing out the spikes
Paying yourself consistently, not just from whatever's left
Savings buckets for the expenses you know are coming
Planning ahead for payroll, rent and tax months
Ready to feel more confident and organized about your finances?
This is for you.
The Business and Home Finances Program
The program has two phases. First we get clear and build the plan. Then we put it into practice and refine it as real life happens.
Phase 1: Clarity & Plan
4 months · 2 sessions per month · $750/month
Every situation is different, so our sessions follow what you need most. Here's the general flow:
Month 1: Get it all out of your head. How your business works, how you get paid, and how money flows at home. Then we set up tracking for both your business and your household.
Month 2: Find your two numbers. Using custom reports I prepare, we land on what your household needs and what your business can afford to pay you.
Month 3: Close the gap. How big is it, really? We look at what can flex on both sides, and decide what to tackle first.
Month 4: Smooth the spikes. We build a system for consistent owner pay, plus savings buckets for the big expenses you know are coming.
Phase 1 includes:
8 one-on-one Zoom sessions
Email support between sessions
Phase 2: Implement & Maintain
Monthly session · $350/month · ongoing
This is where the plan becomes a habit. Each month we look at what happened, what worked, and what to adjust. You get a month-end report and someone in your corner keeping you on track.
I recommend at least three months in Phase 2. After that, stay as long as it's helpful.
After Phase 1
Know what your household needs, and what your business can safely pay you.
Pay yourself consistently.
Be prepared for expenses like payroll, rent and quarterly taxes.
Stop dipping into the business account to cover personal bills.
Have a clear plan, and know what to tackle first.
Spend your money with confidence, knowing exactly what you can afford.
Reduce your financial stress so you can put more energy into running or growing your business.
Have questions about working with me?
Business & Home Finances FAQs
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Not at all. I see this often. Untangling what's business and what's personal is part of Phase 1.
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I work with lots of married couples. If you're married, your partner should plan to attend most sessions. Your business absolutely affects them too, and the decisions we make at home need both of you on board. For sessions that get deep into the weeds of the business, your partner is welcome to opt out.
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I'm not a CPA or bookkeeper. I don't file taxes, keep your books, set up business entities, or manage investments. I work alongside the professionals who do. And I'm happy to help you understand what they're telling you or help you ask better questions so you can get clearer answers from them.
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Hesitating to take on a new expense when money feels tight is a good instinct. However, if you've been trying to figure this out on your own and it still feels like a crisis every month, that's a sign you need a different approach. Staying stuck usually costs more than getting help.
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We'll be using Monarch (I cover the cost of this while we are working together) and Google Docs. I have tried many budgeting apps, and I find Monarch to be the most user-friendly. It also creates visual graphs and charts that help contextualize what's actually happening with your money.
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I try to keep it to an hour or less. But I know my clients are busy, so even if you aren't able to get anything done between sessions, we can still make a lot of progress together.
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No. Phase 2 is month-to-month and starts once Phase 1 is complete. I recommend at least 3 months to see the plan work through a few real cycles. Some clients stay on long-term for ongoing support and accountability; some feel ready to manage things without me after a few months.
Set up auto-billing in AdvicePay
Schedule your first session
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The first step is a free Discovery Call. We'll talk about your current situation and what working together would look like. If it's a good fit, you'll:
Complete the Client Agreement
Set up auto-billing in AdvicePay
Schedule your first session
Feel confident about how you are spending and saving your money, now and for the future.