Financial Optimization Strategies for Small Business Owners by Kelsa Dickey

What This Course Delivers

Financial Optimization Strategies for Small Business Owners is a specialty toolkit from the Financial Coach Academy, created by Kelsa Dickey, founder of the 7-figure financial coaching company Fiscal Fitness Phoenix and author of The Financial Coaching Playbook. This professional training program equips financial coaches with frameworks, worksheets, and video instruction to guide small business owners through pricing optimization, profit and loss analysis, revenue growth strategies, and Key Performance Indicator tracking. The complete toolkit includes 17 video lessons totaling over 10 hours of content, 37 PDF resources, 4 Excel spreadsheet templates, and 2.31 GB of downloadable material.

Course Contents at a Glance

🎬 17 Video Lessons — Over 11 hours of video content

📕 37 PDF Resources — Workbooks, templates, guides

📊 4 Excel Spreadsheets — Client trackers, KPI dashboards, business templates

💾 Total Download: 2.31 GB

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What You Will Master in Financial Optimization Strategies for Small Business Owners

✅ Clarify business vision and strategic direction — Learn coaching techniques to help clients define what kind of business they want to build, beyond revenue goals, using the Vision I Have for My Business client worksheets.

✅ Build launch roadmaps for new business owners — Master the framework for strategizing with clients who are preparing to launch their first business, covering essential financial planning steps before opening day.

✅ Analyze and optimize pricing models — Guide clients through evaluating their current pricing structure, identifying underpricing patterns, and calculating the true cost of service delivery using the Analyzing Your Client's Business Pricing Model framework.

✅ Create ideal pricing models based on value — Design pricing strategies that align with client expertise, market positioning, and profitability goals using the Creating Your Client's Ideal Business Pricing Model methodology.

✅ Communicate pricing increases effectively — Teach clients how to present price changes to existing customers without losing trust, using the Price Increase Communication Log and proven communication scripts.

✅ Optimize collection strategies and payment systems — Implement systems that improve cash flow predictability, reduce late payments, and automate invoicing and collections using the Client Tracker spreadsheet.

✅ Move clients from breakeven to profitability — Apply the Tiers of Success framework to identify which stage of business growth a client occupies and create action plans to reach the next profitability level.

✅ Establish Key Performance Indicators for business health — Set up customized KPIs that track revenue, expenses, profit margins, and client acquisition costs using the Success Tracker spreadsheet and KPI client worksheets.

✅ Leverage the Profit & Loss statement as a coaching tool — Translate P&L data into actionable insights during coaching sessions, helping clients identify profit leaks and growth opportunities without requiring accounting expertise.

✅ Apply the Plan Ahead Method to business cash flow — Use Kelsa Dickey's signature cash flow system to help business owners forecast income, plan for irregular expenses, and manage seasonal revenue fluctuations.

✅ Implement creative revenue boost strategies — Guide clients through three rapid-implementation tactics to increase revenue within 30-90 days, as outlined in the Three Creative Strategies to Quickly Boost Revenue worksheet.

✅ Prepare clients for their next employee hire — Coach business owners through the financial and operational considerations of hiring their first team member, including compensation planning, interview preparation, and workload delegation.

Who Is Financial Optimization Strategies for Small Business Owners Designed For?

• The Financial Coach Transitioning to Business Clients — You've coached individuals on debt payoff and budgeting, but business owners need profit analysis, pricing strategy, and cash flow forecasting. Module 7.10 on utilizing a Profit & Loss statement teaches you how to translate financial reports into coaching conversations, while the Client Tracker spreadsheet gives you ready-to-use systems for monitoring business finances.

• The Accountant or Bookkeeper Adding Advisory Services — You handle the numbers but want to offer strategic coaching beyond compliance. This toolkit provides the coaching frameworks, conversation guides, and client-facing worksheets to transform your technical knowledge into actionable business guidance without duplicating accounting services.

• The Business Consultant Needing Financial Strategy Tools — You advise on operations and marketing but need structured financial planning systems. The Key Focus Areas for Business Growth framework and KPI Success Tracker let you deliver measurable financial outcomes alongside operational improvements.

• The Coach Working With Service-Based Solopreneurs — Your clients are consultants, freelancers, or agency owners who undercharge for their expertise and struggle with inconsistent income. Module 7.4 and 7.5 on analyzing and creating ideal pricing models address the exact challenge of value-based pricing in service businesses.

• The Startup Mentor Guiding New Business Owners — You help aspiring entrepreneurs launch their businesses but need financial roadmaps for the pre-launch phase. Module 7.3's Strategizing With Your New Business Owner on Their Roadmap to Launch provides step-by-step financial planning from concept to opening day.

• The Established Coach Scaling to Premium Business Programs — You want to expand from personal finance coaching into higher-fee business coaching. This toolkit provides the curriculum, worksheets, and video training to add a complete business optimization specialty without building content from scratch.

Full Curriculum Breakdown

Module 7.1: Introduction to Financial Optimization for Small Business Owners

Overview of the specialty toolkit and how financial coaches can support business owners beyond personal finance. Includes the Toolkit Workbook with complete curriculum overview.

• Video: Financial Optimization Strategies for Small Business Owners (1m 36s)
• 📕 Resources: Toolkit Handout 7.0 – Toolkit Workbook (PDF), Toolkit Seal graphics

Module 7.2: Clarifying a Business Vision

Helps coaches guide clients in defining the type of business they want to create, addressing lifestyle, values, and long-term goals before diving into financial metrics.

• Video: Clarifying a Business Vision (26m 37s)
• 📕 Resources: Toolkit Handout 7.2a – The Vision I Have for My Business Client Worksheet, Toolkit Handout 7.2b – What Kind of Business Do I Want Client Worksheet

Module 7.3: Strategizing With Your New Business Owner on Their Roadmap to Launch

Step-by-step framework for coaching aspiring business owners through the financial planning required before opening day, covering startup costs, initial pricing, and cash reserves.

• Video: Strategizing With Your New Business Owner on Their Roadmap to Launch (1h 9m 59s)
• 📕 Resources: Toolkit Handout 7.3 – Strategizing With Your New Business Owner on Their Roadmap to Launch (PDF)

Module 7.4: Analyzing Your Client's Business Pricing Model

Coaching methodology for evaluating a client's current pricing structure, identifying underpricing, calculating cost of service delivery, and assessing competitive positioning.

• Video: Analyzing Your Client's Business Pricing Model (52m 58s)
• 📕 Resources: Toolkit Handout 7.4 – Analyzing Your Client's Business Pricing Model (PDF)

Module 7.5: Creating Your Client's Ideal Business Pricing Model

Framework for designing new pricing structures that align with client expertise, market value, and profitability goals, including tiered pricing and value-based pricing strategies.

• Video: Creating Your Client's Ideal Business Pricing Model (1h 0m 52s)
• 📕 Resources: Toolkit Handout 7.5 – Creating Your Client's Ideal Business Pricing Model (PDF)

Module 7.6: Helping Your Clients Communicate Their Pricing

Coaching strategies for helping business owners present pricing with confidence, handle objections, and communicate price increases to existing clients without damaging relationships.

• Video: Helping Your Clients Communicate Their Pricing (48m 1s)
• 📕 Resources: Toolkit Handout 7.6 – Helping Your Clients Communicate Their Pricing (PDF), Toolkit Handout 7.6a – Price Increase Communication Log Client Worksheet

Module 7.7: Optimizing Collection Strategies and Systems for Success

Implementation of payment systems, invoicing automation, and collection processes that improve cash flow predictability and reduce late payments.

• Video: Optimizing Collection Strategies and Systems for Success (1h 2m 10s)
• Video: Client Tracker Tutorial (7m 3s)
• 📕 Resources: Toolkit Handout 7.7 – Optimizing Collection Strategies and Systems for Success (PDF), Toolkit Handout 7.7b – Client Tracker Client Spreadsheet (Excel)

Module 7.8: Understanding Tiers of Success — Moving From Breakeven to Profitability

Framework for identifying which profitability stage a business occupies and creating action plans to advance from survival mode to sustainable profit.

• Video: Understanding Tiers of Success — Moving From Breakeven to Profitability (37m 11s)
• 📕 Resources: Toolkit Handout 7.8 – Understanding Tiers of Success (PDF)

Module 7.9: Establishing Key Performance Indicators (KPIs)

System for selecting, tracking, and coaching around the financial metrics that matter most for each business, including revenue per client, profit margins, and client acquisition costs.

• Video: Establishing Key Performance Indicators (KPIs) (27m 24s)
• 📕 Resources: Toolkit Handout 7.9 – Establishing Key Performance Indicators (PDF), Toolkit Handout 7.9a – Establish Your KPIs Client Worksheet (PDF), Toolkit Handout 7.9b – Success Tracker Client Spreadsheet (Excel)

Module 7.10: Utilizing a Profit & Loss (P&L) With Your Coaching Client

Coaching approach to interpreting P&L statements, identifying expense patterns, and translating financial data into actionable business decisions without requiring accounting credentials.

• Video: Utilizing a Profit & Loss (P&L) With Your Coaching Client (30m 18s)
• 📕 Resources: Toolkit Handout 7.10 – Utilizing a Profit & Loss (P&L) With Your Coaching Client (PDF)

Module 7.11: Leveraging the Key Focus Areas for Business Growth

Framework for prioritizing growth initiatives across four key business areas: revenue generation, cost optimization, operational efficiency, and strategic planning.

• Video: Leveraging the Key Focus Areas for Business Growth (21m 22s)
• 📕 Resources: Toolkit Handout 7.11a – Key Focus Areas for Business Growth Client Worksheet (PDF)

Module 7.12: Using Creative Strategies to Quickly Boost Revenue

Three rapid-implementation tactics for increasing revenue within 30-90 days, including upselling existing clients, launching limited-time offers, and optimizing underperforming services.

• Video: Using Creative Strategies to Quickly Boost Revenue (27m 12s)
• 📕 Resources: Toolkit Handout 7.12 – Using Creative Strategies to Quickly Boost Revenue (PDF), Toolkit Handout 7.12a – Three Creative Strategies to Quickly Boost Revenue Client Worksheet (PDF)

Module 7.13: Preparing Your Client for Their Next Hire

Financial and operational coaching for business owners hiring their first employee, covering compensation planning, workload delegation, interview preparation, and managing hiring costs.

• Video: Preparing Your Client for Their Next Hire (1h 18m 3s)
• 📕 Resources: Toolkit Handout 7.13 – Preparing Your Client for Their Next Hire (PDF), Toolkit Handout 7.13a – Possible Interview Questions Client Worksheet (PDF)

Bonus Module: Using the Plan Ahead Method for Business Cash Flow

Application of Kelsa Dickey's signature cash flow system to business finances, helping owners forecast irregular income, plan for seasonal expenses, and manage business cash reserves.

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

Toolkit Resources and Support Materials

• Video: Financial Coaching Toolkit Welcome Video (23m 23s)
• Video: Toolkit Handout Template Tutorial (17m 30s)
• 📕 Resources: Toolkit Handout 7.Ra – Business Growth Book List Client Worksheet (PDF)

About Kelsa Dickey

Kelsa Dickey is the CEO and founder of the Financial Coach Academy and Fiscal Fitness Phoenix, a 7-figure financial coaching company she built after leaving corporate finance in 2010. With a Bachelor's degree in Personal Finance from Central Michigan University, a minor in Economics, and a Master's degree in Accounting, Dickey spent seven years as a fully licensed financial advisor holding Series 7, Series 66, Health, Life, and Disability insurance licenses before transitioning to financial coaching.

What began as a solo practice operating from her dining room table has grown into a company employing more than half a dozen team members. Through Fiscal Fitness Phoenix, Dickey and her team have helped thousands of clients pay off over one million dollars in total debt and save hundreds of thousands of dollars. She created the Plan Ahead Method, a cash flow management system now used by thousands of individuals and hundreds of financial professionals.

Verified Credentials:

✅ Bachelor's degree in Personal Finance from Central Michigan University with a minor in Economics

✅ Master's degree in Accounting and former Series 7 and Series 66 licensed financial advisor

✅ Founded Fiscal Fitness Phoenix in 2010, growing it from a solo practice to a 7-figure company with over six employees

✅ Trained hundreds of financial coaches through the Financial Coach Academy, her online certification program for aspiring financial coaching professionals

✅ Published author of The Financial Coaching Playbook (2020), the definitive guide to starting and running a financial coaching business

✅ Created the Plan Ahead Method and SpendFirst money management systems, adopted by thousands of clients and shared by hundreds of financial professionals globally

✅ Media appearances include USA Today, CNN Money, Yahoo, and MSN Money for financial expertise and money management insights

✅ Hosts the Financial Coach Academy Podcast, providing ongoing training and business-building strategies for financial coaching professionals

What Problems Does Financial Optimization Strategies for Small Business Owners Solve?

“I charge $75/hour but can't break past $6,000/month because I'm maxed out on client hours” — Module 7.4 and 7.5 on analyzing and creating ideal pricing models address the service provider trap of hourly billing. The toolkit teaches coaches how to guide clients toward value-based pricing, package pricing, and tiered service offerings that decouple income from hours worked.

“My business brought in $120,000 last year but I only took home $35,000 — where did the money go?” — Module 7.10 on utilizing a Profit & Loss statement with coaching clients provides the framework for identifying profit leaks, categorizing expenses effectively, and understanding the difference between revenue and actual profit. The P&L coaching methodology helps clients see exactly where money enters and exits their business.

“I raised my prices last year and lost three longtime clients — I'm afraid to do it again” — Module 7.6 on helping clients communicate pricing teaches specific language and strategies for presenting price increases without triggering client loss. The Price Increase Communication Log worksheet provides a structured approach to timing, messaging, and handling objections around pricing changes.

“I launched six months ago and still don't know if my pricing is sustainable or if I'm undercharging” — Module 7.3 on strategizing with new business owners covers the pre-launch and early-stage financial planning that prevents chronic underpricing. The roadmap framework helps coaches guide clients through calculating true cost of delivery, setting profit margins, and testing pricing before market launch.

“I have no idea which marketing efforts are actually bringing in revenue versus wasting money” — Module 7.9 on establishing Key Performance Indicators provides the Success Tracker spreadsheet and KPI framework to measure client acquisition costs, revenue per marketing channel, and return on investment for business development activities. The system creates visibility into which efforts drive profit.

“My income swings from $8,000 one month to $2,000 the next — I can't plan anything” — The BONUS module on using the Plan Ahead Method for business cash flow adapts Kelsa Dickey's signature system to irregular business income. The Plan Ahead Method Business Templates spreadsheet helps coaches teach clients how to forecast seasonal revenue, build cash reserves during high-income months, and smooth out cash flow volatility.

“I need to hire help but don't know if I can afford it or how to structure compensation” — Module 7.13 on preparing clients for their next hire walks through the financial modeling required before hiring, including calculating the revenue increase needed to support a salary, structuring compensation between hourly and salary, and planning for payroll taxes and benefits costs.

What Makes Financial Optimization Strategies for Small Business Owners Different from Other Business Coaching Courses

Designed for coaches, not business owners — Unlike courses that teach business finance directly to entrepreneurs, this toolkit is built specifically for financial coaches, consultants, and advisors who guide business owners. Every module includes coaching conversation frameworks, client-facing worksheets, and facilitation strategies rather than just business finance theory. The Toolkit Handout Template Tutorial demonstrates how to customize and brand the 37 PDF resources for your own coaching practice.

The Plan Ahead Method applied to business — Kelsa Dickey's signature cash flow system, already used by thousands for personal finance, is adapted specifically for small business cash flow challenges in the BONUS module. The Plan Ahead Method Business Templates and Examples spreadsheets provide the exact system for managing irregular business income, seasonal revenue fluctuations, and business expense forecasting that can't be addressed with traditional business budgeting.

Coaching-first approach to financial statements — Module 7.10 on utilizing a Profit & Loss statement teaches coaches how to facilitate P&L analysis without needing accounting credentials. The methodology focuses on asking the right coaching questions, identifying patterns through conversation, and translating financial data into decisions rather than technical accounting instruction.

Comprehensive pricing strategy framework — Three full modules (7.4, 7.5, 7.6) address pricing from analysis to creation to communication. The progression covers how to identify underpricing, design value-based pricing models, and help clients communicate pricing with confidence. The Price Increase Communication Log and pricing model worksheets provide implementation tools beyond pricing theory.

Frequently Asked Questions About Financial Optimization Strategies for Small Business Owners

What is Financial Optimization Strategies for Small Business Owners about?

Financial Optimization Strategies for Small Business Owners is a specialty toolkit from the Financial Coach Academy designed to train financial coaches in guiding small business owners through pricing optimization, profit analysis, cash flow management, and strategic growth planning. The program uses the coaching frameworks and client worksheets developed by Kelsa Dickey, founder of the 7-figure coaching firm Fiscal Fitness Phoenix, to help coaches deliver measurable business financial improvements to their clients.

Who created Financial Optimization Strategies for Small Business Owners?

The course was created by Kelsa Dickey, CEO of the Financial Coach Academy and founder of Fiscal Fitness Phoenix. Dickey holds a Bachelor's degree in Personal Finance and Master's degree in Accounting, spent seven years as a Series 7 and Series 66 licensed financial advisor, and has trained hundreds of financial coaches since founding the Financial Coach Academy. She is the author of The Financial Coaching Playbook (2020) and creator of the Plan Ahead Method cash flow system.

What is included in Financial Optimization Strategies for Small Business Owners?

The complete toolkit includes 17 video lessons totaling 10 hours 38 minutes of instruction, 37 PDF resources including client worksheets and coach handouts, 4 Excel spreadsheet templates for client tracking and KPI monitoring, and 3 toolkit seal graphics. Total download size is 2.31 GB. The curriculum covers business vision clarification, launch roadmapping, pricing model analysis and optimization, collection systems, profitability tiers, KPI establishment, P&L utilization, revenue growth strategies, and hiring preparation.

Who is Financial Optimization Strategies for Small Business Owners best suited for?

This toolkit is designed for financial coaches transitioning to business clients, accountants or bookkeepers adding advisory services, business consultants needing financial strategy tools, coaches working with service-based solopreneurs, startup mentors guiding new business owners, and established personal finance coaches scaling to premium business coaching programs. It serves professionals who guide business owners but need structured frameworks and ready-to-use client materials for business financial optimization.

What will I learn in Financial Optimization Strategies for Small Business Owners?

The program teaches how to analyze and optimize client pricing models, create value-based pricing structures, communicate price increases effectively, implement collection systems that improve cash flow, utilize Profit & Loss statements as coaching tools, establish business KPIs, apply the Plan Ahead Method to business cash flow, identify and advance through profitability tiers, implement rapid revenue boost strategies, and prepare clients financially and operationally for their first employee hire.

What format is Financial Optimization Strategies for Small Business Owners delivered in?

The toolkit is delivered as downloadable video files (.ts and .mp4 format), PDF documents for all handouts and worksheets, Excel spreadsheet templates (.xlsx format), and image files (PNG and JPG) for toolkit branding graphics. Total download size is 2.31 GB. All 17 video lessons include durations ranging from 1 minute 36 seconds to 1 hour 18 minutes, with the majority between 20-60 minutes.

Does Financial Optimization Strategies for Small Business Owners include any bonus materials?

The program includes a bonus module on using the Plan Ahead Method to control business cash flow, featuring a 47-minute video lesson and two Excel spreadsheets (Plan Ahead Method Business Examples and Business Templates). Additional support materials include the Financial Coaching Toolkit Welcome Video (23 minutes) and Toolkit Handout Template Tutorial (17 minutes) showing how to customize the PDF resources. A Business Growth Book List client worksheet is also included as a reading resource.

What is Kelsa Dickey known for?

Kelsa Dickey is known as the founder of Fiscal Fitness Phoenix, a 7-figure financial coaching company she built after leaving corporate financial advising in 2010. She created the Plan Ahead Method and SpendFirst cash flow management systems now used by thousands of clients globally. She has trained hundreds of coaches through the Financial Coach Academy, published The Financial Coaching Playbook (2020), and appeared as a financial expert on USA Today, CNN Money, Yahoo, and MSN Money. Her company has helped clients collectively pay off over one million dollars in debt.

How is Financial Optimization Strategies for Small Business Owners different from other business finance courses?

Unlike courses that teach business finance directly to entrepreneurs, this toolkit is built specifically for financial coaches and consultants who guide business owners. Every module includes coaching conversation frameworks, facilitation strategies, and client-facing worksheets rather than just business finance instruction. The program adapts Kelsa Dickey's proven Plan Ahead Method cash flow system specifically to business applications and provides a coaching-first approach to financial statement analysis that doesn't require accounting credentials. The comprehensive pricing strategy sequence (analysis, creation, communication) addresses the complete pricing transformation rather than isolated pricing theory.

Sources:

• Kelsa Dickey | Financial Coach Academy CEO
• Kelsa Dickey – Financial Coach Academy | LinkedIn
• Kelsa Dickey | Money Coach & CEO | Fiscal Fitness PHX
• The Financial Coaching Playbook | Financial Coach Academy
• The Financial Coaching Playbook: How to Easily Launch & Grow Your Coaching Business | Amazon
• Specialty Financial Coaching Toolkits by Financial Coach Academy