Club Capital

07/15/2026

Can This Agency Afford Three New Hires? We Ran the Numbers

A CFO staffing-capacity analysis for a captive agency weighing three new hires — the run-rate, the loaded cost, and what each hire must produce.

07/14/2026

A multi-location agency owner told us: "I've been running this business twelve years. This is the first time I've seen it laid out this way."

For the first time, he could see how payroll, turnover, and marketing were working together, and where money was quietly slipping through the cracks.

We reached that picture by analyzing four months of data for his three-office captive agency, which generated $2.2 million in revenue and carried 46 people on payroll.

This was not a struggling agency. But once we traced where the money was actually going, several costs surfaced that had never been tracked this way:

→ $276,932 went to employees who had already left. Of the 46 people paid during the period, 19 were no longer with the agency by the time we completed the analysis.
→ Eight people in leadership and administrative roles accounted for 44% of total payroll. That was more than the agency’s entire 26-person sales team.
→ Marketing appeared to return $7.81 for every $1 spent. But when we measured only first-year new business, the return was $0.67.

These were not signs of a poorly run agency. They were costs that had never been separated, measured, and viewed together.

The full analysis also covers normalized payroll and the month-by-month marketing results we could not fit into seven slides:

https://hubs.ly/Q04pwRpP0

07/14/2026

Where Should a Youth Sports Club's Money Go? A Budget Breakdown for Club Directors

What percentage of a youth sports club's budget should go to coaching, facilities, and reserves? A plain-English budget benchmark for club directors — plus a free download

06/30/2026

The S-Corp Accountable Plan: A Complete Template & Setup Guide

Learn how an S-corp accountable plan lets you reimburse business expenses tax-free. Step-by-step setup, what qualifies, and a free downloadable template.

06/30/2026

Revenue may be growing.

But do you know exactly how much cash is available in your business right now?

Many business owners look at sales numbers and bank balances without having a clear picture of their monthly cash flow.

That lack of visibility can lead to difficult surprises, delayed decisions, and unnecessary stress.

Understanding how money moves through your business helps you plan ahead, manage expenses confidently, and prepare for future opportunities.

Because growth is easier to manage when you know where your cash stands today, and where it's headed tomorrow.

How confident are you in your cash flow visibility?

Take control of your cash flow with greater clarity and confidence. 🔗 club.capital

06/28/2026

For many business owners, communication with their CPA starts and ends with tax season.

The return gets filed, the documents are signed, and then it's radio silence until next year.

But your business keeps moving.

Questions come up. Opportunities arise. Decisions need to be made.

Financial guidance is often most valuable throughout the year, not just when it's time to file taxes.

The businesses that stay informed, monitor their financial performance, and plan ahead are often in a stronger position when tax season finally arrives.

Because your business operates 12 months a year.

Your financial support should too.

How often do you review your financials outside of tax season?

Move beyond tax season with year-round financial support and insight. 🔗 club.capital

06/26/2026

When business owners want to increase profitability, the first instinct is often to work harder.

More hours. More meetings. More effort.

But profitability is not always about doing more. Sometimes it's about understanding where your money is going, identifying inefficiencies, and making better financial decisions.

Small improvements in pricing, expenses, operations, and cash flow can often have a greater impact than simply adding more hours to your week.

Because the goal is not to stay busy.

The goal is to build a business that works better.

Focus on improving profitability, not just increasing workload. 🔗 club.capital

06/24/2026

Few things create more stress for a business owner than an unexpected tax bill.

You work hard all year, only to discover you owe far more than anticipated.

In many cases, the issue isn't the tax bill itself. It's the lack of planning leading up to it.

Proactive tax planning helps business owners understand their obligations throughout the year, prepare for upcoming payments, and identify opportunities that may reduce their tax burden.

The goal is simple: fewer surprises and more control over your financial future.

Because tax season should be a time for preparation, not panic.

Don't wait until tax season to understand your tax position. 🔗 club.capital

06/23/2026

What does a real CFO analysis look like for a 40+ person insurance agency? We just published one — turnover costs, marketing ROI, and a full breakdown of where every dollar went.

A real cost breakdown for a 40+ person captive agency — labor at 55% of recurring revenue, $277K in turnover, and exactly where every marketing dollar goes

06/22/2026

Many business owners assume CFO services are only for large corporations with massive budgets.

The reality is that growing businesses often benefit the most from having strategic financial guidance.

Questions like:

• Can we afford to hire another employee?
• Is now the right time to expand?
• How will this investment affect our cash flow?
• Are we on track to hit our goals?

These are not just financial questions. They're business decisions.

CFO services help turn financial data into practical insights so leaders can make informed decisions with greater confidence.

Because it's not about the size of your business.

It's about having the information you need to make the right move at the right time.

What business decision are you trying to make right now?

Learn how CFO guidance can support smarter business decisions at 🔗 club.capital