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:
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.
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 picked even one, 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?
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.
Kind words
What clients say
Nobody taught you to read your numbers. Let's fix that, together.
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My signature offer
The 6-Week Profit Clean-Up
A high-touch, custom program that turns your business into a profitable one.
One hour a week for six weeks, built around your business.
What makes it different
High-touch
One-on-one with me, every week. Not a course and not a group program.
Custom
Every plan is built around your business and what you want fixed.
Your team included
If you have a team, I work with them directly to get what I need, so less of it falls on you.
A Wall Street eye
16 years studying hundreds of companies, big and small. I've seen what the well-run ones do differently, and I bring that to your business.
What we work on
Clean up your numbers
Set up a simple way to track what's coming in and going out, so you know what you're spending and what you're actually making.
Increase your profit
Find out what's making you money and what isn't. Cut what isn't worth it, raise prices where you need to, and keep more of every sale.
Fix your cash flow
Set money aside in the good months so the slow ones don't hurt. Get paid faster, pay suppliers on better terms, and get out of the debt cycle for good.
Pay yourself well
Set up a plan to pay yourself consistently and well, not just whatever's left over.
Get your time back
Put simple systems in place so the business doesn't need you for everything. Then use that time for your family, yourself, or growing the business.
How it works
We get to know your business
I listen first. You walk me through how things really run and where it hurts.
I build your custom plan
It covers everything you want fixed, plus a few things I'd add after seeing your numbers.
We clean it up together
We meet one hour a week to work through the plan and make decisions. If you have a team, I work with them directly, so less of it falls on you.
We keep going, if it makes sense
After the six weeks, we can keep meeting once or twice a month to review your numbers and make decisions together.
What you walk away with
- Organized numbers you understand
- Prices that cover your costs and leave you a profit
- A plan to get paid faster
- A plan for paying yourself
- More freedom, whether that's time for your life or room to grow your business
This is right for you if you:
- Have a real business that's already selling
- Are working hard but not keeping enough of what you make
- Want to understand your numbers without becoming a finance person
- Want more freedom, and to sleep better at night instead of worrying about the business
- Are ready to make some changes
Let's see if the 6-Week Profit Clean-Up is a fit for your business.
Book a free callAbout me
I'm Karen.
For 16 years I worked 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 actually backed it up.
Why I do this
It was a career a lot of people would have happily stayed in. But I wanted to do something more meaningful, and I kept asking myself why small businesses don't have someone helping them with their finances the way big companies do.
The owners I talk to work incredibly hard and do great work. But a lot of them aren't making much, and nobody ever showed them why. They don't need more hustle. They need to understand what's actually happening with their money.
My favorite moment is when someone finally sees the problem clearly, because once you know what's causing it, you can fix it. Numbers come naturally to me, and I want to use that to make the world a little better, one business at a time.
A few things I love
My faith in God grounds me and shapes how I treat people.
My husband and our three boys. My favorite people.
You'll find me on the course or the court any chance I get.
A proud Badger and a Packers fan. Go Pack Go.
If you think we'd work well together, I'd love to get to know you.
Book a free callContact
Let's talk about your business.
The easiest way to start is a free call. Get to know me, and let's see if we're a good fit.
What to expect on the call
- You tell me about your business and what's on your mind.
- I ask a few questions about how things run today.
- We talk about whether the 6-Week Profit Clean-Up makes sense for you.
- If it's not a fit, I'll tell you, and point you in the right direction for what your business needs.
Book a free call
Pick a time that works for you.
Prefer email?
Karen@monarch-finance.com
Rather I reach out to you?
Leave your details and a little about your business, and I'll get back to you.
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