Growth Advisors & Tax Consultants

Growth Advisors & Tax Consultants Want to get more great info? Click the link below:

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I’m Sheena your go-to Fractional CFO dedicated to helping women business owners take control of their finances, increase profitability, and scale with confidence.

09/22/2026

100 days to December 31.

OCTOBER — anything payroll-dependent.

S-corp wage corrections, W-2 wages for a retirement contribution. Payroll has to actually process. Late-December runs are real and they're stressful.

BY DEC 31 — the retirement plan.

Must EXIST. Funding can come later. The most commonly missed window I see.

BY DEC 31 — placed in service.

In use. Not ordered, not paid for.

BY DEC 31 — the accountable plan.

Adopted before you reimburse. Forward only.

BY DEC 31 — Augusta Rule meetings.

They have to actually happen.

JAN 15 — Q4 estimate.

Two calendar entries: one in October, one the first week of December.

Six of these are decisions. Not paperwork.

Want yours reviewed? Book a call — link in bio.

09/22/2026

The systems that got you to $500K are the exact systems costing you money at $2M.

Find yourself:

$0–500K — you can hold it in your head. That works, and it stops working without announcing it.

$500K–$1M — the tax bill outgrows the mental model. First real surprise usually lands here.

$1M–$2M — entity structure set at startup is now actively expensive. Owner pay is still a guess. Nobody owns the forward view.

$2M–$5M — every imprecision is now four figures a month. Complexity outgrew reporting.

Nothing breaks at any of these lines. That's the problem.

A dropped client breaks loudly, so you built systems. Finance never breaks loudly. It just quietly gets more expensive.

Which means the fix is never urgent.

And that is exactly why it's expensive.

Read a tier above and recognize yourself? Book a call — link in bio.

09/21/2026

There are four numbers a CEO should answer without opening anything.

Here are the four that actually run a company.

What can I safely distribute this quarter? Not what's in the account. What can leave without touching payroll, the reserve, or your floor.

What's my runway? Months you could operate if revenue stopped today. Owners who know this negotiate differently. You can hear it.

What's my gross margin? The number that says whether growing makes you money or makes you busy.

What will I owe in April? In September that's a decision. In March it's news.

Recall, not lookup. Because these get decided when a client asks for a discount or someone pitches you on a call.

Those moments don't wait for QuickBooks.

Could only answer one or two? Book a call — link in bio.

09/21/2026

Six leaks, one card. Work through one a week and you're done before the year is.

1. Pricing. Flat for three years while your costs rose. An 8% increase beats a deduction hunt every time — a deduction returns your rate, a price increase returns the whole margin, forever.

2. Entity structure. Set up when the business was a third of this size and never revisited.

3. Overhead accretion. Everything added for good reasons, nothing reviewed since.

4. Owner pay. No policy, so it's a monthly guess — either too little, or enough to raid the tax reserve.

5. Tax reserve. Not automated, so a profitable quarter still creates a scramble.

6. The missing forward view.

Six weeks. Starting this one.

All six with the fixes — Keep More Cash, $20, link in bio.

09/21/2026

A $2M business with no financial system isn't a bigger business.

It's a bigger blind spot.

Scale does not fix structure. Scale magnifies whatever structure already exists.

Pricing 10% too low? That's a $50,000 problem at $500K and a $200,000 problem at $2M. Same error. Four times the cost. Compounding.

Nobody projecting your tax? A $12,000 surprise is a hard month. A $60,000 surprise is a line of credit, then interest, then a worse spring.

Here's what makes it hard to catch: growth feels like progress, and partly is. Revenue up. Team bigger. Brand stronger.

All real. All hiding the fact that you're running the financial structure you built when the business was a quarter this size.

Keep More Cash — written for the size you are now. Link in bio.

09/20/2026

Your tax reserve percentage is not 30%.

30% is a number the internet made up. It's too high for some of you and dangerously low for others, and nobody who repeats it has seen your return.

Here's your actual number, in four minutes.

Pull last year's 1040.

Total tax (line 24) ÷ total income (line 9) = your effective rate.

That's your reserve percentage. Move it off every deposit, the day it arrives, into a separate account.

For most owners in this range it lands in the twenties — not thirty.

This is the first exercise in the book, and it's first on purpose. Every other decision sits on top of this one number.

Keep More Cash — link in bio.

09/20/2026

If your business makes $1M and you can't say where the cash went, you don't have a revenue problem.

Four places it hides. None appear in your profit number.

Receivables. At $1M, 45 days of AR is roughly $125,000 of your money sitting in other people's accounts. That's not a collections detail. That's a position.

Inventory or WIP. Cash you converted into something that hasn't sold. Left months ago. Profit won't see it until it moves.

Loan principal. A $5,000 payment might show $600 of interest. The other $4,400 leaves with no trace on your P&L. $52,800 a year, invisible.

Owner draws. Also not an expense. Take out $200,000 from a business that earned $200,000 and the P&L still shows full profit.

You're reading one statement and asking a question only the other two can answer.

Keep More Cash shows you how to find all four. Link in bio.

09/20/2026

Four pieces of tax advice going around right now. All four sound smart. All four will cost you money.

"Start an LLC to save on taxes."

An LLC is legal structure. By default it's taxed identically to a sole prop. The tax change comes from an election — a different form, a different decision.

"Buy a G-Wagon, it's a full write-off."

Over 6,000 lbs can qualify for accelerated depreciation. Removed from that sentence: over 50% business use, contemporaneous mileage records, deduction limited to business percentage, recapture if use drops.

"Put your kids on payroll, it's free money."

Real work. Reasonable wage. Actual payroll records. And the payroll tax treatment changes entirely depending on your entity.

"Never take a salary from your S-corp."

This is the one that gets people examined.

Notice the pattern.

All four are real strategies with the constraints stripped off.

The constraints are what keep it legal.

Every strategy in Keep More Cash comes with its constraints. Link in bio.

09/19/2026

Saturday, downtown, staring at a $16 sandwich.

Food cost at 30% — that's $5.

Labor at 30% — another $5.

$10 gone before they've paid for anything else.

Then rent on a downtown corner. Commercial kitchen utilities running all day. Insurance. Card processing at 3%. Waste. The POS subscription. Workers comp.

Maybe $2 left. On a good day, in a well-run shop, on a busy Saturday.

Which means every decision they make is a margin decision, whether they think of it that way or not.

Your business has this exact structure.

Most owners can tell me their revenue instantly and cannot tell me their gross margin.

Margin is the one that decides whether growth makes you money or just makes you busy.

Keep More Cash — link in bio.

09/19/2026

Four lines on your P&L are probably lying to you.

Not maliciously. Structurally, because of how the software categorizes by default.

Revenue booked but uncollected. Pull your AR aging. Anything over 30 days is revenue you're counting and can't spend.

Owner comp, invisible. If you take draws, your labor appears nowhere. Your profit includes the value of your own work, unpaid. Subtract what you'd pay someone to do your job. Look at the profit now.

COGS mixed into overhead. Gross margin becomes unreadable — and that's the number that tells you whether the model works, separate from whether overhead is bloated.

Uncategorized. Open it. Nobody ever does.

Every one of these makes the business look better than it is.

And you're pricing and hiring off those numbers.

Chapter 3 is this audit in full. Keep More Cash — link in bio.

Address

Coeur D'alene, ID
83814

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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