Schulz Advisory
Financial Health Portal
Business owners need to know the score for their business finances. Use this portal to track your business's financial health and take the next step in your business.
The 8-Step FinOps Ladder
Every business owner follows the same progression as they build financial systems, and each step builds on the last. Click any step to see what it covers.
Legal & Compliance Foundation
Clear the decks before anything else. Every tax return filed, every government notice resolved, every balance either paid or on a payment plan. Compliance issues compound — they're the first thing to clear.
Financial Separation & Structure
Draw a clean line between business and personal. Dedicated accounts, proper insurance, and — for S-Corps — a documented reasonable owner salary. These structural basics protect both you and the business.
Bookkeeping Rhythm & Profitability
No financial metric is reliable until the books are current. This step adds a profit goal and tracks whether the money you invoice is actually getting collected.
Tax Strategy & Documentation
Stay ahead of the IRS — pay estimated taxes on schedule, keep clean records for every deduction, and do an annual review with your advisor to make sure no strategy is being left on the table.
Financial Stability & Reserves
A business without reserves is one bad month away from crisis. Build a cash cushion and keep debt at a level the business can comfortably service from revenue.
Profitability Trend
Profitable today isn't enough — the business should be getting more profitable over time. This step measures whether revenue is growing and expenses are staying in check year over year.
Wealth Building
Once the business is stable and profitable, put the profits to work. Retirement contributions are one of the highest-leverage moves for small business owners — they reduce your taxes now and build wealth for later.
Legacy & Protection
Protect what you've built. Key person insurance keeps the business running if you can't work. An estate plan ensures your business transfers — or winds down — on your terms.