Monarch FinanceMonarch Finance

Karen Dean · Fractional CFO

You built a business. Now let's make it profitable.

One that pays you well and doesn't take over your life.

I help small business owners see what's actually happening with their money, so they can make more, keep more, and build a business that fits the life they want.

Types of businesses I work with:

Construction CompaniesRemodelersHVAC, Plumbing & ElectricalLandscapersReal Estate AgentsEcommerce BrandsRetail Shops

I work with a small number of owners at a time. This call is for us to get to know each other and see if we're a good fit.

Karen Dean smiling outdoors

Which one sounds like you?

These are the types of owners I work with. Pick the one that feels most like you.

"My business feels chaotic."

I'm not sure what I'm spending money on or how we're really doing, and I'm stuck doing tasks that shouldn't be mine.

"I work hard, but the money isn't following."

I keep working more, and my bank account doesn't budge.

"We're busy, but cash keeps running out."

A big month gets spent, a slow month hits, and I cover the gap with debt.

"I pay myself last."

I thought owning a business would build wealth. After everyone else gets paid, there's not much left for me.

"I work more than I want to."

I want to work less, but I don't know how. Every time I step back, the business takes a step back too.

"I want to grow, but it feels risky."

Can I even afford to hire someone new? I'm not sure what it would take.

If you can relate to one or more, the good news is that you're in the right place, and it can be fixed.

Nobody ever handed you a playbook for the money side of your business.

That's why these problems keep showing up. Most owners were taught to chase revenue. Almost nobody was taught to look at profit, or to pay themselves first.

And being busy doesn't mean being profitable. You don't have to grind more to make more. You can choose the life you want, with more time for your family, your health, and the things you love, and fit the work around it.

Once you see what's really going on, you can fix it for good. This is exactly why I created the 6-Week Profit Clean-Up.

Here's how we fix it

The 6-Week Profit Clean-Up

A high-touch, custom program that turns your business into a profitable one.

  • Clean up your numbersKnow what you're spending and what you're actually making.
  • Increase your profitKeep more of every sale.
  • Fix your cash flowSet money aside in the good months, get paid faster, and get out of the debt cycle.
  • Pay yourself wellConsistently, not just whatever's left over.
  • Get your time backFor your family, yourself, or growing the business.

Questions I help you answer

Why am I booked out and still short on cash?

Can I afford to take on another crew or hire?

Am I charging enough to actually make money?

How much can I safely pay myself?

Where is my money actually going, and what can I cut?

Why is the business doing well, but I don't feel it in my bank account?

Karen Dean smiling outside an office building

Hi, I'm Karen.

I spent 16 years on Wall Street analyzing companies. My favorite part was looking at what a company said it was doing, then digging into the numbers to see if they backed it up. Now I do that for small businesses, and I love it.

When I'm not in spreadsheets, I'm on a golf course or a paddle court, cheering on the Badgers and Packers, or hanging out with my husband and three boys. Faith and family come first for me.

Nobody taught you to read your numbers. Let's fix that, together.

Book a free call

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