Lawn & Land — Financial Dashboard

Payroll & Contractors 13 people — 38.5% of revenue	$80,596 est. from salaries
Advertising & Marketing Facebook ads, Google, Quantum — 20.4% of revenue	$49,183
Software & Tools HighLevel, ClickUp, Ahrefs, Whitespark, etc. — 10.6% of revenue	$25,557
Outside Services / Consulting EOS implementor, Driven Consulting, 7FA coaching	~$26,994
Legal & Accounting CPA, legal fees	$835
Vehicle & Travel Vehicle insurance, gas, hotels	$2,763
Total Est. Expenses	~$210,760

Key Observations

Margin is tight but fixable

At 12.5% net margin you're $30K net on $241K revenue YTD. Your cost structure is largely fixed — payroll doesn't scale with new clients. Adding 3-4 clients at $2,400/mo adds ~$86K/year revenue with near-zero added cost. That alone takes margin to 18-20%.

AMEX balance needs a plan

$37,368 sitting on AMEX at ~20% APR costs ~$620/month in interest if you're carrying it. That's $7,400/year in pure waste. If this is being paid monthly in full it's fine — but if it's revolving, it should be priority #1 to clear with the Profit account.

Payroll is healthy, not the problem

34.7% of MRR on people is actually below the agency industry average of 35-50%. Your team is well-sized for your current revenue. The issue isn't people cost — it's revenue per employee. At $98,967 MRR across 13 people, you're at $7,613/person. Industry target is $10K+.

February was your best month ever

$91,379 in February. That's the highest monthly revenue on record and essentially $1.1M ARR if sustained. Understanding what drove February vs. January ($83K) is worth analyzing — was it a new client batch, upsells, or timing of Stripe payouts?

Action Items

⚠️

Fix QuickBooks bookkeeping Gusto payroll isn't posting to QB P&L. Your books show $109K net income when the real number is ~$30K. Your accountant needs to set up Gusto journal entry sync — 30 min fix that makes your financials accurate.

🔍

Classify the Kia as a fixed asset $20K vehicle sitting in "Ask My Accountant" should be booked as a depreciable asset. This affects your tax liability — probably worth $4-5K in deductions over time.

📋

Audit software stack ($25K/yr) HighLevel ($9,772), Fishhook Marketing ($3,750), ClickUp ($3,389), Ahrefs ($1,132), Whitespark ($3,830/yr), PRBot AI ($994). That's $22K on tools. Are all of them actively used? Cutting 2-3 unused tools saves $3-6K/year.

📈

Revenue per employee target You're at $7,613 MRR per team member. Getting to $10K/person (industry benchmark) means either adding ~$30K MRR or getting to that point naturally as you grow without adding headcount.

✅

Profit First is working $27,249 in your Profit account and $5,667 in Taxes set aside. The system is doing what it's supposed to. Keep the Tuesday dispersal discipline — it's your best financial habit.