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

What This Course Delivers

Cash Flow Planning and Control for Small Business Owners is a specialty training toolkit by Kelsa Dickey, CEO of the Financial Coach Academy and author of The Financial Coaching Playbook. The program teaches financial coaches how to guide small business owners from reactive cash flow firefighting to proactive financial control using Dickey's Plan Ahead Method framework. Includes 15 video lessons, 28 PDF resources, 4 spreadsheet templates, and over 9 hours of content totaling 1.87 GB.

Course Contents at a Glance

🎬 15 Video Lessons — 8h 56m 25s total runtime

📕 28 PDF Resources — Workbooks, handouts, worksheets, and planning templates

📊 4 Excel Spreadsheets — Client-ready tracking and planning tools

🖼 2 Images — Toolkit seals and branding assets

💾 Total Download: 1.87 GB

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

✅ How to help business owners separate their business and personal finances for clearer decision-making and improved financial analysis

✅ The Plan Ahead Method for controlling business cash flow by categorizing expenses based on timing rather than traditional expense categories

✅ Techniques for coaching business owners on how to pay themselves confidently without depleting business reserves or creating cash flow gaps

✅ Strategies for navigating revenue shortfalls while maintaining operational stability and avoiding panic-driven decisions

✅ Methods for interpreting business financial statements to determine the most effective coaching focus areas for each client

✅ How to help clients understand and manage fluctuating revenue patterns common in seasonal or project-based businesses

✅ Frameworks for coaching business owners on organizing financial records and systems to reduce overwhelm and improve financial clarity

✅ Approaches for helping business owners prepare for financial emergencies and build sustainable business savings strategies

✅ Best practices for working with tax professionals as part of a comprehensive business financial coaching relationship

✅ Investment planning strategies specifically designed for business owners balancing personal wealth building with business growth needs

Who Is Cash Flow Planning and Control for Small Business Owners Designed For?

• The Financial Coach Ready to Serve Business Clients — You've mastered personal finance coaching but feel unqualified when business owners ask for help with their company finances. You turn away these clients or provide generic advice that doesn't address business-specific cash flow challenges. This toolkit gives you the frameworks, worksheets, and coaching methods to confidently serve the small business market and expand your client base into a higher-value niche.

• The Established Coach Overwhelmed by Business Complexity — You have business owner clients who mix personal and business money, creating financial chaos you can't untangle. Their profit-and-loss statements confuse them, they don't know how much to pay themselves, and revenue fluctuations trigger constant financial anxiety. This program teaches you the separation strategies and Plan Ahead Method that transform that complexity into clarity without requiring you to become a CPA.

• The Practitioner Building Specialty Expertise — You want to position yourself as the go-to financial coach for entrepreneurs and small business owners in your market. General financial coaching credentials aren't enough to stand out. This toolkit provides the specialized training, client-ready templates, and proven methodologies that establish you as a credible expert in business cash flow management and attract premium clients.

• The Money Coach Struggling with Business Cash Flow Conversations — Your business owner clients ask questions you can't answer: “How much should I save for taxes?” “Can I afford to hire someone?” “Should I take this profit distribution?” You deflect to their accountant or give cautious non-answers. This training equips you with the specific frameworks for addressing these questions confidently and helping clients make informed decisions.

• The New Coach Seeking Competitive Advantage — You're entering a crowded financial coaching market and need differentiation. Most coaches avoid business clients because they lack the tools and knowledge. This specialty training gives you immediate access to resources and methods most coaches don't have, allowing you to serve an underserved market segment from day one.

Full Curriculum Breakdown

This toolkit is structured as Specialty Area 6 within the Financial Coach Academy's comprehensive training system, focusing exclusively on cash flow planning and control for small business owners.

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

Introduction to the specialty area covering the unique challenges business owners face with cash flow management and why traditional personal finance approaches fail for business finances.

• 6.1 VIDEO: Cash Flow Planning and Control for Small Business Owners (2m 4s)
• 📕 Resources: Toolkit Handout 6.0 — Toolkit Workbook (comprehensive 111-page workbook)

Module 6.2: Separating Business and Personal Finances to Create Clarity

The fundamental framework for helping business owners establish clear boundaries between personal and business money, eliminating the financial confusion that prevents sound decision-making.

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

Module 6.3: Interpreting the Finances to Determine Your Coaching Focus

How to analyze business financial statements and metrics to identify the most impactful coaching priorities for each unique client situation.

• 6.3 VIDEO: Interpreting the Finances to Determine Your Coaching Focus (25m 39s)
• 📕 Resources: Toolkit Handout 6.3 — Interpreting the Finances to Determine Your Coaching Focus

Module 6.4: Helping Business Owners Pay Themselves Confidently

The specific methodologies for coaching clients on owner compensation strategies that balance business cash flow needs with personal financial requirements.

• 6.4 VIDEO: Helping Business Owners Pay Themselves Confidently (40m 10s)
• 📕 Resources: Toolkit Handout 6.4 — Helping Business Owners Pay Themselves Confidently

Module 6.5: Navigating a Revenue Shortfall

Strategies for guiding business owners through periods of decreased income without panic, maintaining operational stability while making strategic adjustments.

• 6.5 VIDEO: Navigating a Revenue Shortfall (48m 0s)
• 📕 Resources: Toolkit Handout 6.5 — Navigating a Revenue Shortfall

Module 6.6: Controlling Business Cash Flow

Core principles and questioning frameworks for helping clients identify cash flow leaks, inefficiencies, and opportunities for improved financial control.

• 6.6 VIDEO: Controlling a Business Cash Flow (57m 2s)
• 📕 Resources: Toolkit Handout 6.6 — Questions to Help Control a Business Cash Flow

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

Deep dive into applying the proprietary Plan Ahead Method framework specifically for business finances, including client-ready templates and implementation strategies.

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

Module 6.8: Coaching on Planning Ahead as a Business Owner

Practical coaching methodologies for teaching business owners how to implement and maintain proactive cash flow planning systems.

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

Module 6.9: Helping a Client Understand Their Fluctuating Revenue

Specialized approaches for coaching clients with seasonal, project-based, or variable income streams to manage cash flow predictably despite revenue fluctuations.

• 6.9 VIDEO: Helping a Client Understand Their Fluctuating Revenue (33m 23s)
• 📕 Resources: Toolkit Handout 6.9 — Helping a Client Understand Their Fluctuating Revenue

Module 6.10: Working With Tax Professionals

How to collaborate effectively with accountants and tax preparers as part of a comprehensive client support team, including privacy protocols and communication frameworks.

• 6.10 VIDEO: Working With Tax Professionals (30m 10s)
• 📕 Resources:
• Toolkit Handout 6.10 — Working With Tax Professionals
• Toolkit Handout 6.10a — Privacy Release Notice Client Worksheet

Module 6.11: Organizing Strategies for Business Owners

Systems and methods for helping overwhelmed business owners create sustainable financial organization practices that reduce stress and improve clarity.

• 6.11 VIDEO: Organizing Strategies for Business Owners (15m 32s)
• 📕 Resources: Toolkit Handout 6.11 — Organizing Strategies for Business Owners

Module 6.12: Helping a Business Owner Save for the Future

Investment and wealth-building strategies specifically designed for business owners who must balance personal financial goals with business capital needs.

• 6.12 VIDEO: Helping a Business Owner Save for the Future (1h 9m 33s)
• 📕 Resources:
• Toolkit Handout 6.12 — Coaching on Investing
• Toolkit Handout 6.12a — Investing Quick Sheet Client Worksheet

Module 6.13: Preparing for Business Emergencies

Frameworks for coaching business owners on emergency preparedness, business continuity planning, and building financial buffers against unexpected disruptions.

• 6.13 VIDEO: Preparing for Business Emergencies (38m 26s)
• 📕 Resources: Toolkit Handout 6.13 — Preparing for Business Emergencies

Additional Course Resources

• Financial Coaching Toolkit Welcome Video (23m 23s)
• Financial Coaching Toolkit Overview (17m 30s)
• Toolkit Seal White (JPG branding asset)
• Toolkit Seal Transparent (PNG branding asset)
• 16 additional PDF handouts covering supplementary training materials and reference guides

About Kelsa Dickey

Kelsa Dickey spent 7 years as a financial advisor and corporate accountant before recognizing that traditional financial services failed to address the behavioral and emotional aspects of money management. In 2010, she walked away from her securities and insurance licenses to start her own business as a financial coach, launching Fiscal Fitness Phoenix at a time when virtually no one was practicing financial coaching as a distinct profession.

Over the past 15 years, Dickey has built Fiscal Fitness Phoenix into a 7-figure company employing more than half a dozen financial coaches. She founded the Financial Coach Academy in response to demand from other financial professionals seeking the training and frameworks she developed through her own practice.

Verified Credentials:

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

✅ Founder and CEO of Financial Coach Academy, which has trained over 600 financial coaches globally

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

✅ Creator of the Plan Ahead Method, a proprietary cash flow management framework used by coaches and clients worldwide

✅ Host of The Financial Coach Academy Podcast, providing weekly education on building profitable coaching businesses

✅ Founder of Financial Coaches Unite Facebook group with thousands of members across multiple countries

✅ Featured expert providing money insights for USA Today, CNN Money, Yahoo, and MSN Money

✅ Over 20 years of combined experience in financial advising, corporate accounting, and financial coaching

✅ Former holder of financial planning licenses for securities and insurance products before transitioning to coaching-only practice

Dickey's approach differs from traditional financial education by focusing on the coaching relationship rather than product sales, emphasizing behavioral change and client empowerment over prescriptive advice. Her training materials reflect real-world scenarios drawn from her own 7-figure coaching practice and the experiences of the hundreds of coaches she has trained.

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

“My business owner clients ask me questions I can't answer about their company finances” — This toolkit provides specific frameworks for the most common business financial questions coaches face: how much to pay yourself, whether you can afford a hire, how to handle revenue fluctuations, and when to take profit distributions. Module 6.4 on owner compensation and Module 6.6 on cash flow control give you concrete methodologies for addressing these questions with confidence rather than deflecting to an accountant.

“I can't help clients who mix their personal and business money into one confusing mess” — Module 6.2 teaches the separation strategies that transform financial chaos into clarity without requiring clients to become accounting experts. The included Prep Worksheet provides a client-ready tool for untangling mixed finances and establishing clean boundaries between business and personal accounts, making all future coaching dramatically more effective.

“Business owners panic when revenue drops and I don't know how to coach them through it” — Module 6.5 on navigating revenue shortfalls provides the specific coaching conversation frameworks and decision-making tools for guiding clients through income disruptions without reactive panic. The training covers how to prioritize expenses, communicate with stakeholders, and make strategic adjustments while maintaining operational stability.

“I want to work with business clients but I'm not a CPA and don't understand business finances” — This program is specifically designed for coaches who are not accountants. It teaches you how to coach business owners on cash flow management, decision-making, and planning without needing to prepare financial statements or provide tax advice. Module 6.10 covers how to work alongside tax professionals as part of a client's support team.

“My business owner clients have wildly fluctuating income and traditional budgeting doesn't work” — Module 6.9 addresses the unique challenge of variable revenue streams common in seasonal, project-based, and commission-driven businesses. The Plan Ahead Method taught in Module 6.7 organizes expenses by timing rather than category, specifically designed to handle income fluctuations that break traditional budgeting approaches.

“I turn away business owner prospects because I only know personal finance coaching” — This toolkit gives you immediate access to the specialized knowledge, client-ready templates, and proven methodologies you need to confidently serve small business owners. The 28 PDF resources include worksheets and handouts you can use with clients immediately, and the 4 Excel templates provide professional tools that establish credibility with business clients.

“My business owner clients don't know if they're actually making money or just staying busy” — Module 6.3 on interpreting finances teaches you how to help clients understand what their numbers actually mean and identify the most important metrics for their specific business. This training helps you guide clients from confusion about profitability to clarity about which financial levers actually matter for their success.

What Makes Cash Flow Planning and Control for Small Business Owners Different from Other Business Finance Training

The Plan Ahead Method Framework — Rather than teaching traditional business budgeting by expense categories (rent, payroll, supplies), this program centers on Dickey's proprietary Plan Ahead Method, which organizes business expenses by timing: when they hit you in real life. This timing-based approach handles revenue fluctuations more effectively than category-based budgets and reduces the complexity that overwhelms most business owners. The method includes client-ready spreadsheet templates and implementation coaching frameworks that coaches can deploy immediately.

Coaching Methodology Over Accounting Knowledge — Most business finance training teaches you to read financial statements and understand accounting principles. This toolkit assumes you're a coach, not a CPA, and focuses entirely on coaching conversations, frameworks, and tools for helping business owners make better decisions. Module 6.6 provides questioning strategies rather than analytical formulas, and Module 6.8 covers coaching implementation rather than financial analysis.

Client-Ready Implementation Tools — The 28 PDFs and 4 Excel spreadsheets are designed for immediate client use, not just coach reference. Each module includes worksheets, templates, and handouts formatted for professional delivery to clients, eliminating the need to create your own materials or adapt generic templates. The Privacy Release Notice, Prep Worksheet, and Plan Ahead templates are ready to incorporate into client engagements.

Behavioral Focus on Owner Compensation — Module 6.4 dedicates 40 minutes specifically to the psychological and practical challenges of business owners paying themselves, addressing the guilt, confusion, and cash flow concerns that accountants typically don't cover. This focus on the behavioral and emotional aspects of owner draws, salaries, and profit distributions reflects Dickey's coaching background rather than a purely financial planning approach.

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 for financial coaches who want to serve small business owner clients. The program teaches Kelsa Dickey's Plan Ahead Method for business cash flow management, strategies for separating business and personal finances, frameworks for coaching on owner compensation, and methods for navigating revenue fluctuations and business emergencies.

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

Kelsa Dickey, founder and CEO of the Financial Coach Academy, created this toolkit. Dickey is the author of The Financial Coaching Playbook, founder of the 7-figure Fiscal Fitness Phoenix coaching company, and has trained over 600 financial coaches globally. She holds an MBA in Business, spent 7 years as a financial advisor and corporate accountant, and has been featured as a money expert on USA Today, CNN Money, Yahoo, and MSN Money.

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

The complete program includes 15 video lessons totaling 8 hours 56 minutes, 28 PDF resources (including a comprehensive 111-page workbook), 4 Excel spreadsheet templates for client use, 2 branding image assets, and 1.87 GB of total content. The training covers 13 modules on topics from separating business and personal finances to working with tax professionals and preparing for business emergencies.

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

This training is designed for financial coaches who want to work with small business owners but lack the specialized frameworks and tools for business cash flow coaching. It serves established coaches expanding into the business market, new coaches seeking competitive differentiation, and any practitioner who currently turns away business owner prospects due to limited business finance expertise.

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

You will learn the Plan Ahead Method for organizing business cash flow by timing rather than categories, strategies for helping business owners separate personal and business finances, frameworks for coaching on owner compensation and self-payment, methods for interpreting business financial statements to determine coaching priorities, approaches for navigating revenue shortfalls and managing fluctuating income, and best practices for collaborating with tax professionals as part of a client support team.

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

The program is delivered as downloadable digital content including MP4/TS video files for 15 lessons, PDF documents for 28 handouts and workbooks, XLSX spreadsheet files for 4 client templates, and JPG/PNG image files for 2 branding assets. Total download size is 1.87 GB.

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

The core toolkit includes extensive client-ready materials: the 111-page Toolkit Workbook, Privacy Release Notice templates, Plan Ahead Method business templates and examples, Business Savings Tracker spreadsheet, Prep Worksheet, Investing Quick Sheet, and multiple coaching handouts for each of the 13 specialty areas covered in the training.

What is Kelsa Dickey known for?

Kelsa Dickey is known as the founder of the Financial Coach Academy, which has trained over 600 coaches globally, and as author of The Financial Coaching Playbook. She built Fiscal Fitness Phoenix into a 7-figure financial coaching company, created the Plan Ahead Method framework used by coaches worldwide, hosts The Financial Coach Academy Podcast, and founded the Financial Coaches Unite Facebook group with thousands of international members.

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

This program teaches coaching methodology rather than accounting knowledge, providing conversation frameworks and client-ready tools instead of financial analysis training. It centers on the proprietary Plan Ahead Method which organizes business expenses by timing rather than traditional categories, specifically designed to handle revenue fluctuations. The focus is behavioral and decision-making oriented rather than purely analytical, particularly evident in the dedicated module on the psychological aspects of business owners paying themselves.

Sources:

• Kelsa Dickey | Financial Coach Academy CEO
• The Financial Coaching Playbook | Financial Coach Academy
• The Financial Coaching Playbook: How to Easily Launch & Grow Your Coaching Business – Amazon
• Kelsa Dickey – Financial Coach Academy | LinkedIn
• Specialty Financial Coaching Toolkits by Financial Coach Academy
• Your Financial Crystal Ball: The Plan Ahead Method – Financial Coach Academy