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Some headlines say a recession’s coming.
Others say the economy’s surprisingly strong.
Meanwhile, you’re over here trying to run a business and wondering if you should be stepping on the gas or tapping the brakes.
Here’s the truth:
No matter what happens next, cash flow will decide who weathers the storm... and who gets caught off guard.
Because even in good times, businesses don’t fail because of a lack of profit.
They fail because they run out of cash.
If you’re a small or mid-sized business owner, now’s the time to tighten up — without panicking.
Here’s how.
It sounds obvious.
But a lot of small businesses don’t have a real grip on:
How much cash is actually coming in (and when)
How much cash is going out (and where it’s going)
How long they could operate if sales slowed down tomorrow
Get serious about cash flow forecasting.
Look 3, 6, even 12 months ahead.
And don’t just build one forecast, build a few:
A "best case" scenario
A "most likely" scenario
A "tighten the belt" scenario
Because hope isn’t a strategy.
Options are.
When cash is flowing, it's easy to get loose.
Monthly subscriptions pile up.
That extra part-time hire feels harmless.
You add a few "nice to haves" to the office or the marketing plan.
Now is the time to get ruthless — not scared, but smart.
Audit every expense
Kill anything that doesn’t directly drive revenue or efficiency
Renegotiate contracts where you can
Delay non-critical upgrades and investments
Think lean, not cheap.
Cut fat, not muscle.
Cash flow isn't just about how much you earn.
It’s about when you collect and when you pay.
Speed up your inflows:
Invoice immediately (not at the end of the month)
Offer small discounts for early payments
Enforce payment terms politely but firmly
Slow down your outflows:
Negotiate longer payment terms with vendors
Take full advantage of any grace periods without damaging relationships
Time payments carefully without risking penalties
In uncertain times, timing matters as much as totals.
You don’t need a war chest worthy of a Fortune 500 company.
But you do need a buffer.
Even setting aside one month’s operating expenses can buy you precious time if sales slow or unexpected costs pop up.
Three months? Even better.
Cash reserves give you options — the option to keep your team, maintain inventory, market strategically — when others are panicking.
Start small if you have to.
Consistency wins.
Will we get a recession? A boom? A little of both?
No one knows for sure.
What matters is being ready either way.
The businesses that survive uncertain times aren’t necessarily the biggest, or even the smartest.
They’re the ones that can bend without breaking.
Flex your offers if customer demand shifts
Watch your inventory levels carefully
Keep marketing, but double down on what works
Stay close to your customers and suppliers
And most of all, keep calm.
Panic is expensive.
You don't have to figure this out alone.
Our team helps small and mid-sized businesses map out cash flow strategies, budget smarter, and build scenario plans that keep them resilient, no matter what the economy throws their way.
If you want more confidence, more clarity, and a stronger financial cushion for the road ahead, we’re ready to help.
Contact us today to get started.
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Diagnosing root causes, prescribing solutions, and guiding your property business toward long-term wealth.
Raquel is a passionate business owner. Now, she is returning to her grassroots with a twist - guiding clients with her expertise as a CPA, she can advise your company as your trusted CFO and Advisor.
✅ CPA with Real-World Experience – I help property managers stay profitable, tax-efficient, and cash flow positive.
✅ Tax Strategist – Former advisor at California’s revenue agency.
✅ Trusted by 4,000+ Businesses – Experience across CA, FL, TX, NV, and beyond.
✅ Real Estate Investor – I understand the financial realities of property management.
✅ Entrepreneur – I’ve built businesses and know the challenges you face.
We diagnose financial inefficiencies, treat problems like poor cash flow or rising costs, and guide you to long-term financial health. That includes cleaning up your books, forecasting cash flow, optimizing operations, and helping you grow your portfolio with confidence — just like a doctor builds a custom care plan for a patient.
Bookkeepers record transactions. CPAs file your taxes. We connect the dots — helping you understand your numbers, strategically improve them, and make smarter decisions throughout the year. We work alongside your existing team to drive performance, not just compliance.
If you're unsure where your cash is going, struggling with rising costs, planning to scale, or just tired of reacting instead of planning — now is the right time. We help you get ahead of problems, not just clean up after them.
Clients typically see improved cash flow, cleaner books, higher NOI, better financial reporting, and a lot less stress at tax time. More importantly, you gain clarity, confidence, and control over your business — and a partner who helps you grow it.
Let us take away your stress and give you back your time. Choose your perfect package today.
Dedicated finance expert
Bookkeeping with accrual basis
Includes P&L, balance sheet, and cash flow statements
Includes everything in Base, PLUS
Industry KPIs and financial ratios
Monthly virtual 1-hr meetings
Monthly rolling budget forecasts
Includes everything in Base, CORE
Budget vs. actuals variance analysis and review
Payroll and HR Platform