Personal & Small-Business Cash Flow Analyst / Financial Operations Coordinator.

I’m looking for an experienced financial professional who can provide a clear weekly CEO Money Brief—a one-page snapshot of what money is available, what income is expected, what personal and business expenses are due, what needs to be reserved, and what is safe to move toward my financial goals. I want to be able to review one organized view each week, compare it with my budget, and make informed decisions without having to dig through multiple accounts, transactions, and due dates myself. At-A-Glimpse: I am a self-employed business owner managing household finances alongside multiple income streams and business expenses. My income is variable and arrives throughout the month from tutoring, education programs, gardening services, online teaching, and other client work. I am looking for a detail-oriented financial professional to help me maintain visibility, forecast cash flow, and make organized financial decisions. I do not need someone to access, move, pay, or withdraw money from any accounts. This role is about financial organization, forecasting, accountability, and recommendations. What I need help with - Maintain a clear personal-and-business financial dashboard using Monarch Money or a recommended app, a secure shared spreadsheet, or another appropriate read-only system - Track income received versus income expected - Track household bills, business subscriptions, recurring expenses, annual expenses, and upcoming due dates - Create and maintain a rolling 30-, 60-, and 90-day cash-flow forecast - Help me separate money for taxes, household expenses, business expenses, savings, and major goals Provide a concise weekly “CEO Money Brief” with: - What came in - What is due next - What needs attention - Recommended allocations - A realistic “safe to spend” amount - Warnings about upcoming cash-flow conflicts Review spending against my planned weekly/monthly budget and flag concerns early Help organize financial records and reports for my tax professional Help create a calendar of tax deadlines, renewals, annual bills, and predictable seasonal expenses Make recommendations, but leave all final financial decisions and transfers to me Important boundaries: - You will not have authority to move money, pay bills, access cards, or initiate transfers. - Access will be limited to read-only views, reports, exports, or a shared dashboard. This is not a replacement for a CPA, enrolled agent, attorney, investment advisor, or tax preparer. I may separately hire a qualified tax professional for tax filing and tax strategy. Ideal background: Bookkeeping, cash-flow management, financial operations, controller support, or fractional-CFO support for small businesses Experience with self-employed clients and irregular/variable income Comfortable keeping personal and business cash flow distinct while showing the full household picture Strong Excel or Google Sheets skills; Monarch Money familiarity is a plus or confidence in a recommended and reputable financial planning app Able to explain financial information plainly and make practical recommendations Highly organized, proactive, discreet, and comfortable creating repeatable systems Engagement: I would like to begin with a setup/audit phase, followed by ongoing support. Initial deliverables may include: Financial dashboard setup List of all recurring bills, subscriptions, due dates, and annual expenses Income tracker by source Tax-reserve and savings-goal tracker First 90-day cash-flow forecast Recommended weekly CEO Money Brief format Ongoing work would likely be approximately 2–5 hours per week to start, depending on the system and reporting needs. When applying, please answer: 1. What would your first 30 days look like for a client with variable income, household expenses, and multiple small-business income streams? 2. What tools would you recommend for a client who wants you to view and analyze finances but does not want to grant transaction or payment access? 3. Please share an example of a weekly cash-flow report or “safe-to-spend” recommendation you have created. Remember to black-out client-identifying information. 4. Do you have experience coordinating with CPAs or preparing organized records for tax filing?