Finally take control of your cash with a clear monthly plan that actually works.
Clarity, confidence, and consistent cash flow. Powered by a proven system built for small business owners.
You don't have a sales problem.
You have a cash control problem.
You're working hard.
Clients are happy.
Revenue is coming in.
So... why does it feel like your money's disappearing?
- You're not sure what you can pay yourself
- You wonder if growth is helping or hurting
- You make decisions based on gut, not data
- You're asking: "Where did all the money go?"
You don't need more spreadsheets.
You need a cash system and a guide who speaks your language.
That's what I do.
The Cash Flow Navigation System™
A clear, repeatable financial rhythm that shows you exactly where your business stands and what to do next.
As your Certified CFO™, I'll work with you monthly to guide your business through a proven cash-first framework that gives you:
A Scoreboard
So you know exactly what's working and what's not across your cash, revenue, and expenses.
An Action Plan
So you're always clear on your top financial priorities for the next 30 days.
A Monthly Rhythm
So you can move forward with confidence, one month at a time.
No stress. No guesswork. No surprise tax bills.
Just a system that helps you move forward one month at a time.
What You Get With Certified CFO Support
- 💬 A monthly meeting where we break down your numbers
- 📊 A visual Scoreboard showing your financial health
- 📋 A short, clear Action Plan for your next financial moves
- 🧠 Strategic guidance to grow with control
- 💡 Clarity on what to spend, save, and pay yourself, in plain English
- 🔁 A monthly rhythm that creates repeatable financial progress
I'm not replacing your bookkeeper or managing your finance team.
I'm your cash-focused financial partner, guiding you to smart, stable growth.
The Monthly Rhythm That Drives Cash Clarity
Every month, we follow the same five steps:
1. Review where your money went
We look at what actually happened last month. No judgment, just clarity.
2. Forecast where it's going next
We project the next 30 to 90 days so you're never caught off guard.
3. Update your color-coded Scoreboard
Green, yellow, or red. You'll know exactly where you stand.
4. Build your custom Action Plan
We identify your top 3 to 5 financial priorities for the next 30 days.
5. Meet for 60 minutes to review and plan next moves
We walk through everything together and you leave with complete clarity.
This is what it means to run your business like a CFO, even if you're still a team of one.
Your Cash Clarity Roadmap
The Engine Behind the System
The Cash Flow Navigation System™ works because of these 3 internal components:
1. Cash Routing Logic
Assigns every incoming dollar a job
You know exactly what to hold, spend, and pay yourself each month
Relief. You're no longer guessing or hoping the account will cover it
2. Rolling Cash View
Forecasts what cash will look like 30, 60, and 90 days out
You stop getting blindsided by tax bills, payroll, or surprise expenses
Confidence. You feel in control and ahead of your finances
3. Next-Move Guidance
Turns data into a focused 30-day plan
No more vague loops of "I should probably do something"
Clarity. You always know what to do next
This Is For You If…
- You're making good money but cash is still unpredictable
- You're not sure what your business can afford
- You want to grow but with control, not chaos
- You want guidance from someone who's been in your shoes
- You want a clear, monthly plan, not just another spreadsheet
What Clients Say
"Before this, I had no idea what I could actually pay myself. Now I know what's coming, what to hold, and what to do every month without guessing."
"My business isn't just surviving anymore. It's finally starting to pay me."
"Jemel gave me clarity in one hour a month that I hadn't had in 3 years of running this thing."
✅ Real business owners. Real clarity. Real control.
Let's Start With a Cash Clarity Call
You don't need to commit to anything yet.
Just book a free call and let's talk about where you are, where the money's going, and how we can fix the chaos.
You'll walk away knowing:
- What your numbers are really telling you
- What to prioritize in the next 30 days
- Whether Certified CFO support makes sense for you
Even if we don't work together, you'll leave that call with clarity.🔵 Let's Talk
About Jemel
I'm a Certified CFO™, REALTOR®, Tax Strategist, and Insurance Advisor.
I help small business owners like you take control of your cash, reduce tax stress, and build a business that pays them consistently.
If you're tired of not knowing what's really happening with your money, I'll help you get clear and stay that way.
Jemel Smith, Certified CFO™
Cash chaos isn't a character flaw. It's a system flaw.🔵 Let's Talk
Let's build a system that works, one month at a time.