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Aquarian Bookkeeping Co.
  • Home
  • Chaos to Calm Audit
  • The Calm Books Package
  • Small Business Blog
  • The 90 Day Financial plan

You're Working Too Hard to Still Feel Broke

 If your business is generating real revenue but the money keeps  disappearing — and you can't explain where it goes — this is the  engagement that finally answers that question and tells you exactly what  to do about it. 

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Only 2 engagements accepted per month. Current availability
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Does This Sound Familiar?

You're Not Bad at Business. You Just Haven't Had Anyone Look at Your Numbers With Fresh Eyes.

 Most small business owners who come to me aren't failing — they're  exhausted and confused. They're doing the work. They're billing the  clients. They're showing up every single day. And at the end of the  month, they can't figure out why it doesn't add up. 

 I had a good year, but I have nothing to show for it in my bank account. 

 The more jobs I take, the more stressed I feel about money. 

 I pay myself inconsistently — whatever's left at the end of the month, if anything. 

 I got a tax bill I wasn't remotely prepared for. 

 I raised my prices and I'm still not keeping more money than before. 

 I don't actually know what my business costs me to run every month. 

I know something is wrong. I just don't know exactly what — or where to even start."

What's Usually Happening

There Are Only a Few Reasons a Business Makes Money Without the Owner Keeping It

 

After years of forensic bookkeeping and financial analysis, I can  tell you that the mystery almost always traces back to one or more of  the same root causes. The challenge is that without looking at your  specific numbers, you can't know which one — or how many — apply to you.


That's the entire point of this engagement: to look.

💸Pricing that doesn't cover actual costs

🔁No clear separation between business and personal

💸Pricing that doesn't cover actual costs

 Most small business owners price based on what feels right or what the  market charges — not what their business actually costs to operate. Even  a small gap here compounds fast. 

📊Overhead creep that never got reviewed

🔁No clear separation between business and personal

💸Pricing that doesn't cover actual costs

 Subscriptions, tools, vendor costs, and operating expenses that made  sense once but haven't been evaluated in years. Every dollar here is a  dollar that doesn't reach you. 

🔁No clear separation between business and personal

🔁No clear separation between business and personal

🔁No clear separation between business and personal

 This single issue creates more financial confusion for small business  owners than almost anything else — and it distorts every financial  metric you'd try to use to make decisions. 

📅Cash flow timing problems

👁No system for knowing what's actually happening

🔁No clear separation between business and personal

 Revenue and expenses don't always land in the same month. What looks  like a good month on paper can still leave you short if the timing isn't  actively managed. 

👁No system for knowing what's actually happening

👁No system for knowing what's actually happening

👁No system for knowing what's actually happening

 Without a simple, consistent tracking structure, you're managing your  business by gut feel. That works — until it suddenly doesn't. 

Right Fit

This Engagement Is Built for You If…

 

This is a one-time diagnostic and planning  engagement for small business owners who are genuinely committed to  understanding and changing their financial situation. I'm not here to  judge — I'm here to find it and fix the map.


  • You own a service-based, trade, or contractor business doing between $100K and $800K in annual revenue
  • You feel like you're working hard but not building any real financial cushion or stability
  • You've had at least one year of business operations and have financial history to analyze
  • You're open to honest feedback about your pricing, your overhead, and how your money is actually flowing
  • You use QuickBooks Online, or have some form of organized financial records we can work from
  • You're ready to receive a prioritized action plan and actually implement it — or hand it to your bookkeeper or team

This is not the right fit if…

 You're in the first year of business with very limited financial  history, you need someone to manage your finances on an ongoing basis  (check out my monthly bookkeeping options), or you're not in a position  to act on what you find. This engagement is for people who are ready to  move. 

Ready to Stop Guessing and Start Knowing?

Book a free 30-minute call and let's talk about what's happe
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What You Receive

 

A Diagnosis, a Direction, and a Plan You Can Actually Use


This isn't a report you file away. This  is a working document that tells you exactly what to change, in what  order, and what to expect when you do. Everything is specific to your  business — not a template.

01 Full Financial Diagnostic Review

01 Full Financial Diagnostic Review

01 Full Financial Diagnostic Review

 A deep analysis of your last 6 to 12 months of financials — Profit &  Loss, cash flow, overhead structure, pricing, and owner compensation —  looking specifically for where money is leaking or stalling. 

02 Root Cause Identification

01 Full Financial Diagnostic Review

01 Full Financial Diagnostic Review

 A clear breakdown of the 3 to 5 specific issues most responsible for  your financial frustration — not general advice, but "here is exactly  what is happening in your numbers." 

03 Custom 90-Day Action Plan

01 Full Financial Diagnostic Review

04 Custom Tracking Spreadsheet

 A prioritized, step-by-step plan for what to change first, second, and  third — built around your specific business, your capacity, and what  will move the needle fastest for you. 

04 Custom Tracking Spreadsheet

05 Two 45-Minute Strategy Calls

04 Custom Tracking Spreadsheet

 A simple, done-for-you spreadsheet built specifically for your business —  so you have a consistent way to see your numbers clearly going forward  without needing an accounting degree. 

05 Two 45-Minute Strategy Calls

05 Two 45-Minute Strategy Calls

05 Two 45-Minute Strategy Calls

 One call at delivery to walk through the findings and plan together. One  follow-up call 30 to 45 days in, so we can review progress,  troubleshoot, and adjust the plan if needed. 

06 Written Findings Report

05 Two 45-Minute Strategy Calls

05 Two 45-Minute Strategy Calls

 A summary document you keep — covering the diagnosis, the root causes,  and the plan — so your spouse, business partner, or future bookkeeper  can understand exactly what was found and what needs to happen. 

Why Me

I Know What It's Like to Look at a Business's Numbers and Know Something Doesn't Add Up

 

I'm Elizabeth Richey, founder of Aquarian Bookkeeping Co. I've spent  eight years in bookkeeping and forensic accounting — which means a  significant portion of my career has been spent looking at businesses  where the numbers tell a different story than the owner believes.


Before bookkeeping, I spent seven years in real estate, where  reading financial documentation was part of every deal. I built and  eventually sold my first bookkeeping firm, Huskey Consulting. I now run  Aquarian Bookkeeping Co. and serve as the full-charge finance manager  nation wide small business owners, just like yourself.


What I bring to this engagement is pattern recognition. I've  seen the same financial problems across dozens of businesses in  different industries, and I know how to quickly identify which ones are  yours — and which lever to pull first.


I also know what it's like to be the person who's responsible  for making the numbers work. My husband owns a small mechanic shop. I  help him track his profitability, evaluate his pricing, and set  realistic income goals. I don't just do this professionally — I live it  personally.


  • QuickBooks Online Certified Specialist 
  • 8+ years bookkeeping, forensic accounting & financial analysis 
  • 7 years in real estate — financial documentation & deal analysis 
  • Built and sold Huskey Consulting — multi-client bookkeeping firm 
  • Remote-friendly, based in Arkansas, serving clients across the U.S.  

One More Thing I Want to Be Honest With You About

 

I'm not going to tell you this is easy. If your business has been  unprofitable or barely profitable for years, there are real things that  need to change — and some of them require effort, discipline, and  possibly some uncomfortable decisions.


What I can promise is that I'll tell you the truth. I won't  sugarcoat what I find, and I won't give you generic advice that could  apply to any business. Everything I deliver is specific to your numbers,  your situation, and what's actually achievable for you in the next 90  days.


That honesty is what makes this worth $1,985. Not the hours — the clarity.

How It Works

From First Call to 90-Day Plan — Simple and Focused on You

From your discovery call to your second strategy call, most clients move through this engagement in about 6 to 8 weeks total.

Free 30-Minute Discovery Call

1

 We talk about what's happening in your business, what you've already  tried, and whether this engagement is the right fit. I'll be direct with  you — if I think something else would serve you better, I'll tell you. 

Access & Intake

2

 You provide read-only QuickBooks access and complete a short intake form  that helps me understand your business model, your owner pay structure,  and what "success" looks like for you. Payment is confirmed at this  stage. 

Deep Diagnostic Work

3

 I spend 7 to 10 business days going through your financials — not  skimming, actually reading them. Looking for patterns, pricing gaps,  overhead creep, and the specific places your money is going that it  shouldn't. 


Delivery Call — The Truth Conversation

4

 We meet for 45 minutes. I walk you through exactly what I found, answer  every question, and hand you the custom spreadsheet and 90-day plan.  This is where things start to become clear. 

30-Day Follow-Up Call

5

 About a month into your 90-day plan, we meet again. You tell me what's  working, what isn't, and what questions have come up. We adjust and  refine. Then you keep going. 

One Engagement. One Price. Real Answers.

The cost of staying confused about your finances is far higher than $1,985. This is the investment that ends the guessing. 

The 90-Day Financial Turnaround Plan

 $1,985 


One-time investment. No retainer. No recurring fees.

⚠ Only 2 engagements accepted per month — current availability is limited.

 

  • Full financial diagnostic review of last 6–12 months
  • Root cause identification — 3 to 5 specific findings
  • Custom 90-day prioritized action plan
  • Custom tracking spreadsheet built for your business
  • Written findings and summary report
  • Two 45-minute strategy calls (delivery + 30-day follow-up)
  • Delivered in 10–14 business days from kickoff

No payment required to book your discovery call. Payment by
book your free call to get started

Questions Worth Answering

My books are really messy. Can you still work with them?

 Possibly — it depends on the degree. If the books are a year or more  behind or significantly disorganized, a cleanup project may need to come  first so that the diagnostic work is based on accurate data. We'll  determine this together on the discovery call, and I'll tell you  honestly what needs to happen before we can move forward with the  turnaround plan. 

I don't use QuickBooks. Does that matter?

 QuickBooks Online is my primary platform. If you're using another  accounting software, send me a note before we schedule the discovery  call and we'll figure out whether your data is accessible in a way that  works for this engagement. 

What if I already know what most of my problems are?

 Then this engagement confirms and prioritizes them — and often reveals  one or two more that weren't on your radar. Knowing what's wrong and  knowing which one to fix first are two different things. The 90-day plan  answers the second question, which is usually the harder one. 

Will you also fix the problems, or just identify them?

 This engagement identifies, prioritizes, and plans. The implementation  is yours to execute — or to delegate to your bookkeeper or team using  the plan I provide. If you want someone to manage your finances on an  ongoing basis after this, I do offer recurring bookkeeping services and  we can talk about whether that's the right next step. 

My business is tiny. Is $1,985 really worth it?

 If this engagement helps you understand where even $500/month in profit  has been disappearing, it pays for itself in four months and keeps  paying after that. The size of the business doesn't change the value of  the diagnosis — it changes the size of the numbers in the report. I work  with businesses across a wide range of revenue, and the clarity this  engagement produces is the same regardless of scale. 

When do I pay?

 After the discovery call, once we've both confirmed this is the right  engagement for your situation. I'll send a Stripe invoice and we  schedule the kickoff once payment is confirmed. No payment is required  to book or attend the discovery call. 

You Deserve to Know Where Your Money Is Going

You've worked too hard to keep wondering. Book a free 30-min
Book your free 30 minute call

No commitment required. No pitch. Just an honest conversation about your business.


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  • Chaos to Calm Audit
  • The Calm Books Package
  • Small Business Blog
  • The 90 Day Financial plan

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