FOR DIGITAL CREATORS, COACHES, AND SERVICE PROVIDERS
A bookkeeper for your books. A strategist for your decisions.
Weekly books, a plan for your money, and someone to ask "should I do this?"
Bookkeeper and contract CFO since 2017. Finance coach to 100+ online businesses.
Every business needs bookkeeping. The most important part of your business, the money you earn, needs to be in the hands of someone you can trust.
But most bookkeeping only does half the job.
It records what you earned and what you spent, so your taxes can get filed. That matters, but it was built for tax compliance, not business decisions.
It tells you what happened last month. It doesn't tell you where you are today, or help you plan proactively for what's next.
So the P&L shows up, you skim it, and you forget about it until the next one. Or you're still piecing it together in a spreadsheet and hoping it adds up. Either way, if you still have no idea whether you can afford to pay yourself more or make a big purchase, this is why.
"It's the application of wisdom and strategy that actually makes working with Emily stand out."Julie Chenell
Founder of Digital Insiders and co-founder of Funnel Gorgeous
What if your bookkeeping did more?
Clean, current books, plus someone who helps you turn them into confident decisions.
That's The Flo System.
How The Flo System Works
A bookkeeper and a strategist with CFO experience, all in one relationship.
Bookkeeping alone isn't enough. I know, I've been doing it since 2017. For years I built the strategy side from scratch for every client. So I turned it into one system, and now every client gets it from day one.
1. Bookkeeping
The foundation every business needs, designed to support decision making.
Weekly books. Your QuickBooks, updated weekly instead of monthly. Most bookkeepers reconcile once a month, which means for three weeks out of every four, your books are fiction. Here, the number you're looking at on a Wednesday is real.
Monthly reports, plus dashboards you can check 24/7. Your P&L, balance sheet, and statement of cash flows every month. Plus a dashboard built around your actual offers: revenue by product, churn, monthly recurring revenue, customer lifetime value, and more, all updated in real time and available 24/7. It shows you what QuickBooks can't.
Tax support, all year. Quarterly estimated tax reminders with the money already set aside. 1099s handled. Your accountant gets clean books from me instead of a shoebox of receipts from you.
2. Financial Strategy
This is how your numbers turn into strategic decisions. It's the kind of guidance businesses usually hire a CFO for, built right into your monthly service.
Annual goal setting. Once a year we set real targets: owner pay, tax savings, business savings, and whatever else matters to you. Most planning starts with the business and treats the owner as whatever's left over. We start with you. Then we check in on your progress mid-year and adjust if needed.
A monthly cash flow plan. Move this much to taxes, this much to savings, pay yourself this, leave this in the business. Not one account and a prayer.
An AI assistant for faster insights. Ask it anything about your numbers, like how this launch compared to the last one. It runs on your own data, not general advice off the internet, so the insights you get are specific to your business, and so are the decisions we make from them.
Someone to ask. Ask me questions or book a call whenever you need. Can I pay myself more this quarter? Is now the right time to hire? Will this launch get me closer to my goals? Send questions in Slack anytime and I'll answer every Tuesday and Thursday. And when you want to dig into something bigger, book a 30-minute strategy call.
Put it all together, and you stop guessing.
Your books are accurate and up to date, your dashboards show what's happening right now, and you have a plan for your money with someone in your corner to help you make the call. A bookkeeper for your books, and a strategist for your decisions.
The FloFinancial Difference
| Traditional bookkeeping | FloFinancial | |
|---|---|---|
| Answers the question | “What happened last month?” | “What happened, how close am I to my goals, and what should I do next?” |
| Books updated | Monthly | Weekly |
| Reporting | A monthly P&L and Balance Sheet | Monthly reports (P&L, Balance Sheet, Cash Flow Statement), plus real-time dashboards with 8+ pages of revenue, product, and customer insights |
| Planning | Usually not included | Annual goals and monthly cash flow recommendations to reach your goals |
| Support | Email questions about your reports | Ask questions in Slack anytime, plus unlimited 30-minute strategy calls |
Most business owners are paying for traditional bookkeeping and wondering why they still feel unclear and overwhelmed.
The person behind the numbers
Hi, I'm Emily, founder of FloFinancial. I started as a bookkeeper in 2017 and grew into contract CFO and people operations work, but bookkeeping has always been my bread and butter. I have a systems brain and I'm a proud numbers nerd.
For 7 years I was the bookkeeper, and then the contract CFO, for popular online brands such as Funnel Gorgeous, Digital Insiders, and Geekpack. Along the way I was doing the same for 10+ other businesses, and coaching 100 members on their finances inside the Digital Insiders program. So I've seen what works in online businesses, and what quietly drains them.
The other half of this money work is empathy, and it often matters more than spreadsheets. Almost everyone carries some baggage about money.
So my job is really twofold: clean data and a safe place to look at it.
10+ years in online business working with great businesses like:
"Emily is one of the hidden gems in what has made my companies work. In this world, in this age, and in these markets people have all kinds of shiny objects and tactics, but it's the application of wisdom and strategy that actually makes working with Emily stand out.
She has a really great blend of experience in finance, marketing, operations, leadership, and team dynamics. If you want to add a strategic, thoughtful person to your team, Emily is an excellent choice."Julie Chenell
Founder of Digital Insiders and co-founder of Funnel Gorgeous
"Emily has a unique ability to look at situations from a lot of different angles and bring information to me in a succinct, yet empathic and actionable way. I know I can ask her questions and she'll draw on her experience to respond in an honest and nonjudgmental way."Julia Taylor
Founder of GeekPack
Built for lean, intentional businesses. Probably you if you’re a…
Digital Creator
Courses, memberships, or a product suite, and no clear read on which one is actually carrying the business.
Coach or Consultant
Revenue that moves in waves, and you've grown past what a spreadsheet and gut feeling can handle.
Service Provider
Hands-on delivery, and a nagging question about whether you can afford the next hire.
Not a fit for: large teams, inventory-heavy operations, or anyone shopping for the cheapest bookkeeper.
How to get started
STEP 01We'll go through where your books are, what you want your money to do, and whether this is a fit. If it is, I'll send you a quote for setup and the monthly ongoing work.
Book a discovery call
STEP 02QuickBooks set up properly and your accounts connected. Catch-up if you're behind. Your dashboard and AI assistant built. And together we set your annual goals and your first cash flow plan.
Setup, your first 30 days
STEP 03On-demand dashboard data, available 24/7. Weekly books, monthly reports, monthly transfer recommendations to keep you on track toward your goals, and Slack questions answered every Tuesday and Thursday.
Then we keep going
The Clean Slate Guarantee
Give it 60 days. If you don't want to keep going, tell me and I'll refund your first month. No reason needed, no forms. Just reply to any email.
By then your books will be current, your dashboard up, and your first full set of reports in hand. The setup fee covers work that's already done, so it isn't refunded. But that work stays with you: your QuickBooks, cleaned up and current.
A note on timing: I take on one new client a month
This isn't a marketing tactic. Setup is hands-on, so one new client is what I can do well while taking care of the clients I already have. When the spot is full, there's a waitlist for future months. So if "get my money sh*t together" has been sitting on your to-do list for a while, now's a good time to book a call. And if this month's spot is already taken, I'll save you the next one.
Questions people ask before we start
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Pricing comes in two parts. Setup is a one-time fee that starts at $1,500, plus a catch-up fee if your books are behind. Then, beginning after your first 30 days, the ongoing service ranges from $750 - $1,250 per month. Your exact pricing depends on how complex your business is and how far behind the books are, so we'll talk through all of that on the discovery call, and I'll send you a written proposal right after with your official pricing. You'll know the exact numbers before you commit to anything.
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Because a typical bookkeeper gives you clean books and a monthly P&L, and that's where it ends. That work was built for tax time. With me, you get the books plus CFO-level strategy: someone with a decade in online business who knows your numbers and helps you decide what to do with them. If clean books are all you want, a generalist bookkeeper is probably the right call, and cheaper.
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I'll pull regular sales by state reports so whoever files your sales tax has exactly what they need, and I can set up a simple payroll as an add-on project, billed separately. The filings themselves are compliance work that's best handled by your CPA, a filing service, or a payroll provider, so I leave those to the specialists and focus on your books and strategy.
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No, you should keep them. They file your tax return and advise on tax questions. I make sure they get clean books and that the tax money is already set aside, so there are no surprises in April.
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There are two forms of support: Slack and strategy calls. Send unlimited questions in Slack whenever they come up, and I answer every Tuesday and Thursday. If you'd like time on a call, I offer unlimited 30-minute strategy calls to clients so you always have the support you need.
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QuickBooks Online is preferred, but if you're well established in another tool we can discuss options on the call.
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Yes, and it stays yours. Your books live in your own QuickBooks Online account, and I use my own accountant login, so you never share your password. Your dashboard and AI assistant run on Data Curator, a partner platform, and the AI is read-only, so it can't change anything.
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Just give me 30 days notice. Your QuickBooks account is yours and stays with you, cleaned up and current. Your dashboard data is deleted within 90 days, or sooner if you ask. If you'd rather keep your dashboards, you can subscribe to Data Curator directly.
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Not a problem! It's common, and it's exactly why catch-up exists. Tell me how far back it goes and I'll scope it. You're not going to say a number that shocks me.
Most bookkeeping stops at your books. I help with the decisions.
If you've been skimming P&Ls or wrestling with spreadsheets and still guessing, that's not your fault. You were given tools built for tax time, when what you needed was help making decisions.
And if your books are a mess right now, that's exactly where we begin.
We'll go through where your books are, what you want your money to do, and whether this is a fit. If it isn't, I'll tell you.
I take on one new client a month. Let's talk!