Cash Flow Planning and Control for Small Business Owners by Kelsa Dickey and Jill Emanuel

Introduction

Cash Flow Planning and Control for Small Business Owners is a comprehensive specialty toolkit from the Financial Coach Academy, created by Kelsa Dickey (MBA, founder and CEO of Financial Coach Academy) and Jill Emanuel (Certified Financial Coach Mentor). This advanced training program equips financial coaches with proven frameworks and client-ready resources to guide small business owners through cash flow challenges, from separating business and personal finances to planning for business emergencies and future growth. The toolkit includes 15 video lessons and 28 downloadable resources organized across 13 focused modules.

Here's What You Get

This specialty toolkit provides everything financial coaches need to confidently serve small business owner clients.

Course Stats:

15 video lessons | 28 downloadable PDFs | 4 spreadsheets | 2 images | 8h 56m of content | 1.87 GB total

✅ Video Training Modules: 15 comprehensive video lessons covering cash flow planning, business financial organization, tax preparation, savings strategies, and emergency preparedness

✅ Toolkit Workbook: Complete workbook with all handouts and frameworks consolidated in one resource

✅ Client Worksheets and Spreadsheets: 4 Excel templates including the Plan Ahead Method business templates, business savings tracker, prep worksheet, and investing quick sheet

✅ Step-by-Step Handouts: 28 downloadable PDF guides covering topics from separating finances to working with tax professionals

✅ Bonus Resources: Toolkit seal graphics (transparent and white versions) for professional branding

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What You Will Learn in Cash Flow Planning and Control for Small Business Owners

✅ Separate business and personal finances using the Financial Coach Academy's proven frameworks to create clarity for business owner clients

✅ Interpret financial statements to quickly identify the most critical coaching focus areas for small business clients

✅ Guide business owners to pay themselves confidently without guilt or fear of cash flow shortfalls

✅ Navigate revenue shortfalls with specific coaching strategies when business income drops unexpectedly

✅ Control business cash flow using the proprietary Plan Ahead Method designed specifically for business owners

✅ Coach clients through fluctuating revenue scenarios common in seasonal and variable-income businesses

✅ Collaborate effectively with tax professionals using privacy release protocols and coordinated planning strategies

✅ Implement organizing strategies tailored to the unique documentation and recordkeeping needs of business owners

✅ Help business owners save for the future beyond operational expenses, including investing guidance and retirement planning

✅ Prepare clients for business emergencies with contingency planning frameworks and insurance considerations

✅ Apply the Plan Ahead Method with ready-to-use business templates and real-world client examples

✅ Deliver structured coaching conversations using the included client worksheets and discussion guides for each specialty area

Who Should Take Cash Flow Planning and Control for Small Business Owners?

• Financial Coaches Working with Entrepreneurs — You've been coaching W-2 employees successfully, but when business owner clients come to you, you feel uncertain about addressing their unique cash flow challenges like separating business and personal finances, managing fluctuating revenue, or planning for quarterly taxes. This toolkit gives you the specific frameworks and client worksheets to confidently guide solopreneurs and small business owners.

• Accountants and Bookkeepers Expanding into Coaching — You handle the numbers and tax preparation for small business clients, but you want to provide forward-looking financial coaching and cash flow planning beyond compliance work. This program teaches you how to have coaching conversations about paying themselves, saving for growth, and planning ahead using methods designed specifically for business owners.

• Financial Coach Academy Graduates Seeking Specialization — You've completed foundational financial coach training and want to develop a specialty niche serving small business owners. This toolkit is part of the Financial Coach Academy's advanced specialty series, providing the depth and client-ready resources needed to market yourself as a business financial coach.

• Business Coaches Adding Financial Expertise — You coach entrepreneurs on strategy, operations, and growth, but you recognize that cash flow stress is often the root cause holding clients back. This program equips you with the financial coaching tools and frameworks to address money management as an integrated part of business coaching, without needing an accounting degree.

Complete Curriculum Breakdown

Module 6.1: Cash Flow Planning and Control for Small Business Owners

This introductory module sets the foundation for the specialty toolkit, outlining the unique financial coaching needs of small business owners and how this training equips coaches to address cash flow challenges.

• Lesson 6.1: Cash Flow Planning and Control for Small Business Owners (2m 4s)
• Financial Coaching Toolkit Welcome Video (17m 30s)
• Financial Coaching Toolkit Overview (23m 23s)

Module 6.2: Separating Business and Personal Finances to Create Clarity

Learn how to guide business owners through the critical step of separating business and personal finances, using structured worksheets to create clarity and eliminate confusion.

• Lesson 6.2: Separating Business and Personal Finances to Create Clarity (50m 12s)
• Toolkit Handout 6.2a: Prep Worksheet Client Spreadsheet (Excel)

Module 6.3: Interpreting the Finances to Determine Your Coaching Focus

This module teaches coaches how to quickly assess a business owner's financial situation and identify the highest-priority coaching focus areas.

• Lesson 6.3: Interpreting the Finances to Determine Your Coaching Focus (25m 39s)
• Toolkit Handout 6.3: Interpreting the Finances to Determine Your Coaching Focus (PDF)

Module 6.4: Helping Business Owners Pay Themselves Confidently

Address one of the most common pain points for entrepreneurs: determining how much to pay themselves and doing so without guilt or cash flow anxiety.

• Lesson 6.4: Helping Business Owners Pay Themselves Confidently (40m 10s)
• Toolkit Handout 6.4: Helping Business Owners Pay Themselves Confidently (PDF)

Module 6.5: Navigating a Revenue Shortfall

Equip clients with strategies to handle unexpected drops in business income, a critical skill for surviving economic downturns and seasonal fluctuations.

• Lesson 6.5: Navigating a Revenue Shortfall (48m 0s)
• Toolkit Handout 6.5: Navigating a Revenue Shortfall (PDF)

Module 6.6: Controlling a Business Cash Flow

This module introduces the core frameworks for helping business owners take control of their cash flow using strategic questions and planning tools.

• Lesson 6.6: Controlling a Business Cash Flow (57m 2s)
• Toolkit Handout 6.6: Questions to Help Control a Business Cash Flow (PDF)

Module 6.7: Using the Plan Ahead Method to Control Business Cash Flow

Learn the proprietary Plan Ahead Method, the Financial Coach Academy's signature framework for business cash flow planning, complete with templates and examples.

• Lesson 6.7: Using the Plan Ahead Method to Control Business Cash Flow (47m 1s)
• Toolkit Handout 6.7a: Plan Ahead Method Business Templates Client Spreadsheet (Excel)
• Toolkit Handout 6.7b: Plan Ahead Method Business Examples Client Spreadsheet (Excel)

Module 6.8: Coaching on Planning Ahead as a Business Owner

Develop the coaching skills to facilitate planning conversations with business owners, using the Plan Ahead Method in real client scenarios.

• Lesson 6.8: Coaching on Planning Ahead as a Business Owner (38m 21s)
• Toolkit Handout 6.8a: Business Savings Tracker Example Client Spreadsheet (Excel)

Module 6.9: Helping a Client Understand Their Fluctuating Revenue

Address the specific challenges of businesses with variable or seasonal income, teaching clients to manage fluctuating cash flow without panic.

• Lesson 6.9: Helping a Client Understand Their Fluctuating Revenue (33m 23s)
• Toolkit Handout 6.9: Helping a Client Understand Their Fluctuating Revenue (PDF)

Module 6.10: Working With Tax Professionals

Learn how to collaborate effectively with CPAs and tax preparers on behalf of clients, including privacy protocols and coordinated planning strategies.

• Lesson 6.10: Working With Tax Professionals (30m 10s)
• Toolkit Handout 6.10: Working With Tax Professionals (PDF)
• Toolkit Handout 6.10a: Privacy Release Notice Client Worksheet (PDF)

Module 6.11: Organizing Strategies for Business Owners

Help clients implement recordkeeping and organization systems tailored to the unique documentation needs of business owners.

• Lesson 6.11: Organizing Strategies for Business Owners (15m 32s)
• Toolkit Handout 6.11: Organizing Strategies for Business Owners (PDF)

Module 6.12: Helping a Business Owner Save for the Future

Guide business owners beyond operational cash flow to plan for long-term savings, investing, and retirement, even while running a growing business.

• Lesson 6.12: Helping a Business Owner Save for the Future (69m 33s)
• Toolkit Handout 6.12: Coaching on Investing (PDF)
• Toolkit Handout 6.12a: Investing Quick Sheet Client Worksheet (PDF)

Module 6.13: Preparing for Business Emergencies

Teach clients how to prepare for unexpected business disruptions with emergency funds, contingency planning, and appropriate insurance coverage.

• Lesson 6.13: Preparing for Business Emergencies (38m 26s)
• Toolkit Handout 6.13: Preparing for Business Emergencies (PDF)

Additional Resources

• Toolkit Handout 6.0: Toolkit Workbook (comprehensive PDF with all handouts consolidated)
• Toolkit Seal White 6 (JPG branding image)
• Toolkit Seal Transparent 6 (PNG branding image)

About Kelsa Dickey and Jill Emanuel

This specialty toolkit was created by two of the Financial Coach Academy's lead instructors, combining decades of financial coaching experience and proven client systems.

Kelsa Dickey is the founder and CEO of the Financial Coach Academy and Fiscal Fitness Phoenix. After spending 7 years as a financial advisor and corporate accountant, Kelsa quit her corporate job in 2010 to launch her own financial coaching business from scratch. At the time, financial coaching as a profession was virtually nonexistent, making her a pioneer in the field. In 2016, she created the Financial Coach Academy alongside her husband Michael to train other coaches in her proven methodologies.

Verified Credentials:

✅ MBA in Business from University of Phoenix (2005-2006)

✅ Founded Financial Coach Academy in 2016, which has trained hundreds of financial coaches

✅ Nationally recognized financial coach and CEO of Fiscal Fitness Phoenix

✅ 7 years of experience as a financial advisor and corporate accountant prior to coaching

✅ Host of The Financial Coach Academy Podcast

✅ Creator of proprietary coaching frameworks including the Plan Ahead Method

Jill Emanuel is a Certified Financial Coach Mentor and lead instructor at the Financial Coach Academy. Jill's journey into financial coaching began as a client of Kelsa Dickey. Despite a high household income with her husband Matt, they carried over six figures in student loan debt plus mortgage and car payments. When Matt lost his job, their financial situation became critical. Working with Kelsa transformed Jill's financial life, leading her to enroll in the first Financial Coach Academy cohort in 2017. Upon completion, Kelsa invited Jill to join the Fiscal Fitness Phoenix team.

Verified Credentials:

✅ Certified Financial Coach Mentor at Financial Coach Academy

✅ Completed Financial Coach Academy certification in 2017

✅ Lead Financial Coach at Fiscal Fitness Phoenix, working with individuals, couples, and solopreneurs

✅ FCA mentor coach, training and supporting new financial coaches

✅ Personal experience overcoming six-figure debt, providing authentic client perspective

What Problems Does Cash Flow Planning and Control for Small Business Owners Solve?

“I'm a financial coach who mainly works with W-2 employees, but when business owners come to me, I freeze up because I don't understand their unique cash flow challenges like quarterly taxes, fluctuating income, or how much to pay themselves.” — This toolkit provides 13 specialized modules with specific frameworks for business owner scenarios that traditional personal finance coaching doesn't address, including the Plan Ahead Method designed specifically for business cash flow and ready-to-use client worksheets for navigating revenue shortfalls.

“My business owner clients come to me overwhelmed because they've mixed their business and personal finances, and I don't have a clear system to help them separate everything without creating more confusion.” — Module 6.2 provides the exact prep worksheet and step-by-step process Kelsa and Jill use to guide clients through separating business and personal finances, creating clarity from day one of the coaching relationship.

“I work with entrepreneurs who don't pay themselves consistently because they're afraid of running out of money in their business, and I'm not sure how to coach them through that fear with actual numbers and planning.” — Module 6.4 addresses this specific pain point with frameworks for determining appropriate owner pay, managing guilt, and building confidence in paying yourself while maintaining healthy business cash flow.

“My small business clients have seasonal or fluctuating revenue, and the budgeting methods I teach personal finance clients just don't work when income varies by thousands of dollars each month.” — Modules 6.7, 6.8, and 6.9 teach the Plan Ahead Method specifically designed for variable income businesses, complete with Excel templates and real client examples showing how to manage cash flow when revenue fluctuates.

“I'm an accountant who handles the numbers for small business clients, but I want to provide proactive financial coaching conversations beyond just tax prep and compliance, and I don't know how to structure those coaching discussions.” — Every module includes specific coaching conversation frameworks and discussion guides, teaching you how to transition from reactive number-crunching to forward-looking coaching that addresses business owner psychology, not just spreadsheets.

“My business owner clients are so focused on survival and covering expenses that they never save for the future or invest, and I'm not equipped to help them plan for long-term wealth building while running a business.” — Module 6.12 provides a complete framework for helping business owners save and invest beyond operational needs, addressing retirement planning, business growth savings, and “nice to have” goals without sacrificing current cash flow stability.

What Makes Cash Flow Planning and Control for Small Business Owners Different

• The Plan Ahead Method — Unlike generic cash flow advice, this toolkit teaches the Financial Coach Academy's proprietary Plan Ahead Method, specifically designed for business owners with fluctuating revenue. The method includes ready-to-use Excel templates and real client examples, giving you a proven system you can implement immediately rather than trying to adapt personal finance budgeting tools to business scenarios.

• Client-Ready Resources, Not Just Theory — Every module includes downloadable worksheets, spreadsheets, and handouts you can use directly with clients. You're not just learning concepts; you're receiving 28 PDFs and 4 Excel tools that Kelsa and Jill use in their own financial coaching practice at Fiscal Fitness Phoenix, including prep worksheets, privacy release forms, and savings trackers.

• Business Owner Psychology, Not Just Numbers — The training addresses the emotional and psychological challenges unique to entrepreneurs, such as guilt around paying themselves, fear during revenue shortfalls, and overwhelm from mixed finances. Modules teach you how to facilitate coaching conversations that address mindset alongside mechanics.

• Created by Practitioners for Practitioners — Kelsa Dickey pioneered financial coaching as a profession starting in 2010, and Jill Emanuel came to coaching after being a client herself. This isn't academic theory; it's the exact system they've used with hundreds of small business owner clients at Fiscal Fitness Phoenix and taught to Financial Coach Academy graduates since 2016.

Frequently Asked Questions About Cash Flow Planning and Control for Small Business Owners

What is Cash Flow Planning and Control for Small Business Owners about?

Cash Flow Planning and Control for Small Business Owners is a specialty training toolkit from the Financial Coach Academy that teaches financial coaches how to work effectively with small business owner clients. The program focuses on business-specific cash flow challenges including separating business and personal finances, managing fluctuating revenue, helping owners pay themselves, and using the proprietary Plan Ahead Method for business cash flow control.

Who created Cash Flow Planning and Control for Small Business Owners?

The toolkit was created by Kelsa Dickey, MBA and founder of the Financial Coach Academy, and Jill Emanuel, Certified Financial Coach Mentor. Kelsa founded the Financial Coach Academy in 2016 after pioneering financial coaching as a profession starting in 2010. Jill completed the Financial Coach Academy in 2017 and now serves as a lead instructor and mentor coach alongside Kelsa.

What is included in Cash Flow Planning and Control for Small Business Owners?

The program includes 15 video lessons totaling 8 hours 56 minutes, 28 downloadable PDF workbooks and handouts, 4 Excel spreadsheets (including the Plan Ahead Method business templates and business savings tracker), and 2 branding images. The complete package is 1.87 GB of content organized across 13 focused modules covering everything from interpreting business finances to preparing for emergencies.

Who is Cash Flow Planning and Control for Small Business Owners best suited for?

This toolkit is designed for financial coaches who want to specialize in serving small business owners and entrepreneurs, accountants or bookkeepers expanding into coaching services, Financial Coach Academy graduates seeking advanced specialty training, and business coaches who want to add financial coaching capabilities to their existing practice. It's particularly valuable for coaches who feel confident with W-2 employee clients but struggle with the unique cash flow challenges of business owners.

What will I learn in Cash Flow Planning and Control for Small Business Owners?

You'll learn how to separate business and personal finances using structured worksheets, interpret financial statements to identify coaching priorities, guide owners to pay themselves confidently, navigate revenue shortfalls and seasonal fluctuations, implement the Plan Ahead Method for business cash flow control, collaborate with tax professionals using privacy protocols, help business owners save and invest for the future, and prepare clients for business emergencies with contingency planning frameworks.

What format is Cash Flow Planning and Control for Small Business Owners delivered in?

The course is delivered as 15 downloadable video lessons in .ts and .mp4 formats, 28 PDF workbooks and guides, and 4 Excel spreadsheet templates. The complete package totals 1.87 GB and includes both training content for coaches and client-ready resources you can use directly in your coaching practice.

Does Cash Flow Planning and Control for Small Business Owners include any bonus materials?

The toolkit includes comprehensive bonus resources: a complete Toolkit Workbook (PDF) consolidating all handouts in one resource, two branding images (Toolkit Seal in both white JPG and transparent PNG formats) for professional use, and multiple client-ready spreadsheets including the Plan Ahead Method templates, business savings tracker, prep worksheet, and investing quick sheet.

What is Kelsa Dickey known for?

Kelsa Dickey is known as the founder and CEO of the Financial Coach Academy, which she created in 2016 and has trained hundreds of financial coaches since. She holds an MBA in Business from University of Phoenix and spent 7 years as a financial advisor and corporate accountant before pioneering financial coaching as a profession in 2010. She is a nationally recognized financial coach, hosts The Financial Coach Academy Podcast, and created proprietary frameworks including the Plan Ahead Method.

How is Cash Flow Planning and Control for Small Business Owners different from other business finance courses?

This toolkit focuses specifically on financial coaching skills for business owners, not general business finance or accounting. It teaches the proprietary Plan Ahead Method designed for fluctuating business revenue, includes 28 client-ready worksheets and tools used in Kelsa and Jill's actual coaching practice, and addresses business owner psychology and coaching conversations alongside financial mechanics. Unlike theoretical courses, this provides practitioner-tested systems from coaches who've worked with hundreds of small business clients since 2010.

Sources:

• Kelsa Dickey | Financial Coach Academy CEO
• Jill Emanuel | Money Coach | Financial Coach | Fiscal Fitness PHX
• Kelsa Dickey – Financial Coach Academy | LinkedIn
• Meet Jill Emanuel of Fiscal Fitness Phoenix – VoyagePhoenix