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If You Had to Step Away Tomorrow, Would Your Business Survive the Week?
Let’s be honest:
You’ve got a plan for your taxes.
Maybe a plan for hiring.
A plan for marketing.
But what happens when life throws a curveball at you?
What if you get sick?
What if a parent needs sudden care?
What if your kid has a health emergency, or burnout hits hard, or the unexpected just… shows up?
Here’s the truth no one tells small business owners:
You are the business, until you’re not.
And if there’s no plan for that?
Cash flow stops. Projects stall. Clients walk.
All while your inbox keeps piling up like nothing happened.
This Isn’t Dramatic. It’s Real.
Over the last year, we’ve worked with clients who:
Spent weeks in the hospital with zero financial backup plan
Had no one else who knew how to access vendor accounts or send invoices
Faced sudden health diagnoses and scrambled to “teach” someone how to run payroll
Lost months of revenue—not because the work wasn’t there, but because they weren’t
What You Can Do—Now—To Safeguard Your Business (and Your Sanity)
1. Automate Where You Can, Document What You Must
Who knows how to pay your vendors?
Can someone else send an invoice if needed?
Do you have a written SOP (standard operating procedure) for the basics?
Even a shared Google Doc or password manager could buy you time and prevent panic.
2. Build a Cash Flow Buffer—This Is Exactly What It’s For
Emergency funds aren’t just for personal finances.
3–6 months of basic business expenses—payroll, rent, software, etc.—can be a lifesaver when you hit pause.
Even if it’s not “extra” money, spreading out recurring payments or trimming non-essentials can start building this buffer quietly.
Pro tip: Reassess your retained earnings and owner draws with your accountant now, while things are stable.
3. Create a Continuity Cheat Sheet (Even If You Don’t Call It That)
At a minimum, document:
Key client contacts + project statuses
How to access financial accounts
Where to find insurance, payroll, and vendor contracts
Who to call in your absence
Doesn’t have to be formal—just findable.
4. Designate a Backup Person—Even If They’re Not “The One”
You don’t need a full-blown succession plan yet.
But you do need someone who can step in short-term: a spouse, a trusted team member, a business partner, or even a fractional operations person.
It’s not about giving up control. It’s about giving your business a chance to breathe without you.
This Is About Peace of Mind, Not Paranoia
We know—this isn’t the fun stuff.
It’s not growth. It’s not launch-day energy.
But it’s real. And for most small business owners, it’s overdue.
When you plan for the “what if,” you free yourself up to focus on the “what’s next.”
Not Sure Where to Start? We Can Help.
If this stirred something in you, and you're realizing your business couldn’t function without you, it might be time for a cash flow review and light continuity plan.
We can help you:
Map your current financial dependencies
Optimize your operating cash flow
Build a sustainable, documented backup plan
And turn “what if” into “we’ve got this”
Contact our office to talk about continuity, cash flow, or just building a business that doesn’t fall apart if you need a moment to step back.
Because you're not just the business owner. You're a human.
And humans need room to be human sometimes.
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Benefits of having a business advisor
Your CFO, Reimagined as a Financial Doctor
Diagnosing root causes, prescribing solutions, and guiding your property business toward long-term wealth.
Our CFO | Advisor
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.
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Raquel Deodanes, MS, CPA
Co-Founder✅ 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.
Frequently Asked Questions
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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.
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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.
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