κlarity

Know your numbers. Own your future.

Expert financial consulting for small businesses and individuals. Clear numbers. Honest guidance. Built for you.

For business owners For personal finance

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You work hard. You stay busy. The money still isn't where it should be.

Klarity fixes that.

Two paths. One practice.

FOR BUSINESS OWNERS

You run the business. The finances run you.

You work hard. You stay booked. And at the end of the month the money still isn't where you expected it. You don't need another app. You need Klarity.

What you get:

  • •Monthly financial consulting
  • •Plain-language reports
  • •Cash flow management
  • •Profit First system
Get started — business

FOR PERSONAL FINANCE

You earn well. But your money has no system.

You're building your financial life — paying off debt, trying to save, wondering how to actually start investing. You've never had anyone sit down and help you build a real plan.

What you get:

  • •The KLARITY Wealth System (7 steps)
  • •Debt payoff plan
  • •Savings automation
  • •Investment education (not advice)
Get started — personal

Two frameworks. One practice.

Proven systems — built by Klarity.

FOR BUSINESS OWNERS

The PROFIT Method

A 6-step system: Picture → Rate → Organize → Flow → Improve → Thrive. Takes your business from financial chaos to clear, profitable, and cash-healthy.

Explore the The PROFIT Method

FOR PERSONAL FINANCES

The KLARITY Wealth System

A 7-step system: Know → Liberate → Automate → Reserve → Invest → Track → Your life. Builds your complete financial system — automatically.

Explore the The KLARITY Wealth System

See It In Action

This is what you get.

A real snapshot from a real session. Plain language, clear numbers, and exactly what to do next.

Klarity Financial Consulting  ·  Klarity Core Deliverables
Acme Plumbing LLC — Monthly Financial Package
June 2026  ·  DEMO — sample data only
Simple Numbers scorecard — June 2026
Overall health score: 74 / 100 Good — 2 items need attention
Gross Profit Margin
54.9%
Target: ≥ 50%
✓ On target
Net Profit Margin
17.8%
Target: ≥ 10%
✓ On target
Owner Compensation
20.8%
Target: ≥ 10% of revenue
✓ On target
Debt Service Ratio
9.3%
Target: ≤ 10% of revenue
! Watch — approaching limit
Cash Reserve (weeks)
2.6 wks
Target: ≥ 4 weeks of expenses
✗ Below target — build reserves
Revenue per Job
$1,920
Target: ≥ $1,500
✓ On target
Scorecard consulting notes
✗Cash reserves at 2.6 weeks — priority 1. Goal: reach 4 weeks ($34,000) within 6 months. Set aside $1,200/month into a reserve account now.
!Debt service at 9.3% — fine today but leaves no room for growth debt. Plan to pay down the equipment loan by Q1 2027.
✓Gross and net margins both on target. Pricing is working — don't discount jobs to fill slow weeks.
June 2026 — Monthly financial snapshot
Revenue
$38,400
+12% vs May
Gross Profit
$21,100
54.9% margin
Net Profit
$6,820
17.8% margin
Cash in Bank
$22,140
Above floor ✓
Profit & loss — June 2026
CategoryJun 2026May 2026YTD
Service Revenue$38,400$34,200$201,800
Cost of services
Labor (subcontractors)$8,200$7,400$44,100
Materials & supplies$6,900$6,100$36,800
Vehicle & equipment$2,200$2,200$13,200
Gross Profit$21,100$18,500$107,700
Operating expenses
Owner salary$8,000$8,000$48,000
Insurance$420$420$2,520
Software & subscriptions$547$547$3,282
Marketing$800$600$3,900
Loan payment$3,560$3,560$21,360
Other$953$820$5,140
Net Profit$6,820$4,553$23,498
Consultant insights — June 2026
✓Revenue up 12% over May — strong month. The seasonal push is working.
✓Gross margin at 54.9% — above the 50% target. Materials cost stayed controlled despite higher volume.
!Net margin at 17.8% — healthy but the loan payment ($3,560/mo) is compressing it. Discuss refinancing at month 9.
→Next 30 days: watch subcontractor costs — labor as % of revenue crept from 21% to 21.4%. Small now, watch the trend.
Profit First allocation — June 2026 revenue: $38,400
Monthly Revenue
$38,400
Jun 1 deposit
Profit Account
$1,920
5% — untouchable
Account allocations this month
Account Target % Current % Amount
Profit 5% 5% $1,920
Owner Pay 30% 30% $11,520
Tax 12% 12% $4,608
Operating Expenses 55% 58% $22,272
Total 100% 105% $38,400
Profit Account
Your reward for running a profitable business. Distributed quarterly. Never touch it early.
Owner Pay Account
Your market-rate salary paid to yourself twice a month like clockwork.
Tax Account
Set aside every deposit so tax bills never surprise you again.
Operating Expenses
Everything that runs the business. If it's not in this account — you can't spend it.
Profit First consulting notes
✓All 4 accounts funded this month — the system is working exactly as designed.
!OpEx at 58% vs 55% target — loan payment is the driver. Focus on paying it down to bring this back in line.
→Q3 goal: move Profit % from 5% to 7% as revenue holds above $35K/month. That's an extra $768/month into profit.
13-week direct cash flow — Jun 1 to Aug 24, 2026
Opening
$18,500
Week 1 cash
Projected Close
$22,140
Week 13 end
Safety Floor
$8,000
Min comfortable cash
Weekly summary
WeekInflowsOutflowsNetBalance
Cash flow consulting notes
✓Balance above $8,000 floor in 11 of 13 weeks — solid cash foundation.
!Weeks 4 and 8: quarterly tax payments hit. Set aside $230/week now into a dedicated tax account.
→Average weekly inflow: $10,035. Invoice same-day on every job to maintain this rhythm.
Prepared by Klarity  ·  klarityfinances.com  ·  Demo — sample data only

No ongoing commitment required.

Book The Klarity Session — $300Personal finance session — $197

90 minutes

90 minutes changes everything.

You keep it forever

Your numbers. Your document. Yours to keep forever.

Action, not analysis

Every session ends with 3 specific things to do in the next 30 days.

Free · No sign-up

Use the tools. Even if you never hire us.

Free Calculators

Profit First, debt payoff, and investment simulator. Free. No sign-up.

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Free Resources

Guides, frameworks, glossary, and tools. Plain language. Always free.

Open resources

What clients say

BUSINESS
"They looked at my numbers and immediately found revenue I was leaving on the table from underpricing. That one conversation changed how I price everything."
— HVAC Contractor
PERSONAL
"I finally have a system. I know exactly where my money goes, my debt has a payoff date, and I'm actually saving for the first time in years."
— Marketing Professional
BUSINESS
"I used to dread looking at my finances. Now I actually look forward to our monthly calls."
— Landscaping Business Owner

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Your financial life. Finally on track.

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