Business & Personal Financial Planning for Small Business Owners
You’re an ambitious female entrepreneur. You’ve built a business you’re proud of, and you're juggling a lot—including managing the finances for both your business and personal life. You’re making money, but it's not just about earning more. You want freedom with your money! You’re ready for a more purposeful relationship with your finances—one that brings you ease, flexibility, and true wealth. And you know that working harder isn’t the solution anymore. Instead, it’s time to create a holistic plan that aligns your business and personal finances, transforming how you think about money and wealth.
You’ve been struggling with…
Understanding where your business stands financially and getting organized with your accounts, expenses, and income tracking.
Knowing how much to pay yourself and when, so you’re not just working but actually benefiting from your business's success.
Understanding where your money is going each month—and how to use it to build real financial freedom.
Setting the right pricing strategy that reflects the value of your work while driving profitability.
Managing cash flow effectively and feeling secure that your business can handle slower periods or growth spurts.
Knowing when and how to reinvest in your business to keep it growing without sacrificing your financial stability.
What you really desire is…
Clear, organized systems for managing your business finances and personal wealth, so you feel in control and confident.
A consistent pay strategy that allows you to enjoy the financial rewards of your hard work.
Clarity on how to price your services in a way that reflects your value and boosts your profits.
A strong handle on cash flow, ensuring that you can cover expenses, pay yourself, and plan for taxes with ease.
A financial roadmap that shows you exactly when to reinvest in your business and how to grow without jeopardizing your financial stability.
The freedom to focus on what you love in your business, knowing your financial foundation is strong and secure.
“I am entering 2022 with a fearless mindset and a $100K increase in my net worth.”
“It is not an exaggeration to say that my last year working with Whitney has been a life changer. I never could put my finger on why things weren’t coming together for my finances and my business until I started coaching with Whitney. I had worked unsuccessfully with a financial coach, and I also worked with a business coach whose answer to everything was “raise your prices.” My work with Whitney finally brought everything together. Under her guidance, I did raise my prices, but we also focused on raising the value that I brought to my clients.
The results speak for themselves. I am entering 2022 with a fearless mindset and a $100K increase in my net worth. I have doubled my revenue and am poised to do that again next year, and I have savings and investments for the first time in my life, and I have also been able to increase my charitable contributions. Best of all, I have my Money Map and a framework so that I can confidently make financial AND business decisions. I cannot thank you enough.”
-Patricia R., Business Owner, Public Speaker, Coach
Hi, I’m Whitney. I can help.
I’m a Certified Financial Planner and Business Finance Coach. For the first seven years of my financial planning career, I struggled with managing my own money. It wasn’t until I overhauled my financial mindset and put clear systems in place that I was able to step into my financial power and create lasting freedom. Now, I live a financially free life on a 10-acre ranch in Wimberley, Texas, and I’ve built a business that truly supports the life I want. I transformed my financial reality, and you can too.
Business Finance Coaching is designed to help you gain control of your business finances, build wealth, and create a financial plan that supports your personal and professional goals.
Unlike other financial coaching programs, this approach focuses not just on your numbers, but on aligning your business finances with your long-term vision. We’ll look at three key dimensions:
Financial Clarity: Getting organized, managing cash flow, and pricing your services to reflect your true value.
Strategic Growth: Knowing when and how to reinvest in your business, ensuring sustainable growth without sacrificing financial stability.
Wealth Building: Developing a plan that supports your personal wealth-building goals, from retirement planning to creating income streams outside of your business.
The Holistic Money process empowers you to fully step into the value of your business while creating financial security in both your personal and professional life. After working together, you’ll have the clarity, confidence, and systems in place to grow your business and achieve financial freedom—both in your business and beyond.
“I increased my net worth by $100,000 since working with Holistic Money! ”
The biggest block holding me back was that I believed I had to keep myself small to keep others safe. I now believe that I can celebrate my successes and be my whole self while also lifting others up around me.”
-Hannah Berle, Head of Onboarding and Maintenance at VRBO
Financial Freedom Coaching Includes:
Step 1: Get Organized
In this first phase, we’ll take a deep dive into organizing your business finances. You’ll streamline all your financial accounts, separate personal and business expenses, and clean up systems like QuickBooks. By the end of this phase, you’ll have:
A clear, organized financial system with easy access to all accounts.
Dedicated business and personal accounts, keeping everything separate.
Confidence in tracking income and expenses, ready for strategic financial decisions.
Step 2: Cashflow & Profit Clarity
Here, we focus on building financial stability and making sure you’re getting paid consistently. Using projections, we’ll map out expected income and expenses for the year and ensure your pricing reflects the true value of your work. By the end of this phase, you’ll have:
A solid plan for managing cash flow, including how to cover expenses and pay yourself.
Projections for your business’s financial future, giving you clarity on cash flow patterns.
A clear, strategic pricing model that boosts your profits and supports your financial goals.
Confidence in planning for taxes, so there are no surprises.
Step 3: Growth & Reinvestment Strategy
This phase is about long-term growth. We’ll work together to develop a strategy for reinvesting in your business and knowing when and how to scale. By the end of this phase, you’ll have:
A detailed plan for reinvesting profits into your business to fuel sustainable growth.
Clarity on when to hire, expand, or introduce new services.
A long-term financial roadmap that aligns with both your personal and business goals.
Monthly Strategy Sessions & P&L Review
After completing the core program, we’ll continue working together with monthly strategy sessions to ensure you stay on track and keep growing. In these sessions, we’ll review your Profit & Loss (P&L) statements, analyze your financial health, and make any necessary adjustments to your strategy. By reviewing your business’s financial performance each month, you’ll gain valuable insights into your cash flow, expenses, and profitability, ensuring continued growth and alignment with your goals.
Email Support
In between sessions, I’ll be your financial co-pilot, available via email to answer questions, provide guidance, or offer quick support when you need it.
Business Finance Coaching takes a highly personalized approach to your business and personal finances. This isn’t your typical financial planning. Our approach goes deeper, coaching you to transform your relationship with money and how you run your business. We focus on giving you clarity and confidence around your financial systems, empowering you to grow your wealth through smart business decisions and strategic investments.
Grow yourself. Grow your wealth.
While most coaches only focus on the practical aspects of wealth building, we go much deeper.
Inner Wealth
Inner wealth is the practice of cultivating an experience of inner abundance. Together, we’ll deep dive into your relationship with money. This exploration will reveal the reasons you’ve been blocking or inviting financial prosperity. With this awareness, you will align your inner worth with your external desires. Inner Wealth teaches you life-changing tools to relate to yourself, money and business (if applicable) in a new way. You’ll learn to how to navigate scarcity thinking, manage your negative thinking around money, and more consistently operate from a place of abundance.
Outer Wealth
Outer Wealth is the practice of creating an environment of external abundance. We will begin by identifying the financial results you want to create. Specifically, how much money do you want to earn, spend and keep. We’ll identify your financial priorities and then we will build your Money Map, or your financial management system to ensure the money you’re making is directed towards the life you want to live. Your Money Map will determine how much you save, spend and invest each month.
Higher Wealth
Higher Wealth is the practice of promoting your higher-self to the CEO of your money. Higher Wealth integrates your intuition and/or the spiritual elements of life into your business (if applicable) and money strategy. It relies on the principles of trust, faith, patience, rest, devotion and receiving. Without integrating Higher Wealth into money strategy, you will likely to fall into hustle, burnout, scarcity or pushy thoughts and feelings with money. Higher Wealth work acknowledges and addresses the systems of oppression (patriarchy, racism, ageism, sexism, etc) that influence our experience with money by exposing the foundational scarcity mindset from which these systems of oppression were built.