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Hi, I'm Jessica Howard.
I help self-employed individuals and small business owners
manage their money with confidence, so they can focus on what they love.

Managing the money side of your business can feel overwhelming, especially when you’re self-employed. Fluctuating income, mixing personal and business expenses, and planning for taxes can leave you feeling stuck. I’ve been there, and I’m here to help.

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With over 13 years in finance and accounting operations, an MBA, and the lessons I’ve learned as a business owner, I have the knowledge and tools to help you streamline your finances and find solutions that work for you.

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I’m passionate about helping self-employed individuals and small business owners like you take control of your finances. Together, we’ll simplify your money, reduce the stress, and create a plan that helps you focus on what matters most - your business and your life.

Does any of this feel familiar?

You didn’t start your business to feel buried in money stress, but here you are, trying to juggle it all and feeling like it’s never enough. If any of this sounds familiar, you’re in the right place:

Working from Home

Fluctuating income makes planning impossible.

One month you’re up, the next you’re barely scraping by.

Taxes are a constant source of anxiety.

You’re never sure if you’re setting aside enough or even what counts as a business expense.

Your finances feel like a guessing game.

You’re not sure where your money is going or why you’re not getting ahead.

You’re overwhelmed by the chaos.

Co-mingled personal and business finances make it hard to stay organized, let alone make confident decisions.

If you’re tired of spinning your wheels and ready for a better way, I can help.

Here’s How We’ll Simplify Your Finances Together

I’m not here to tell you what to do with your money. I’m here to help you figure out what works for you and your business. Together, we’ll create a plan that makes managing money less stressful and more effective. Here’s how we’ll do it:

Break It Down

We’ll simplify your finances into clear, manageable steps so you can stop feeling overwhelmed.

Make It Personal

We’ll create a plan based on your goals, lifestyle, and what matters most to you.

Stay on Track

I’ll help you stay accountable and adapt as your business and finances evolve.

This isn’t a quick fix. It’s a partnership. With my guidance and your effort, you’ll gain control of your money and feel more confident in the decisions you make.

Your First Step to Simplifying Your Money

Cash Flow Reset Session

Managing your money doesn’t have to be stressful or overwhelming. Let’s work together to create a simple plan that will help you feel confident and in control of your money.

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In the Cash Flow Reset Session, we’ll work together to create Your Cash Flow Game Plan. This simple, personalized plan will help you feel confident and in control.

Here’s how it works:

Before We Meet: You’ll fill out a short questionnaire and a financial worksheet. This helps us focus on your priorities and goals.

During the Session:

We’ll separate your personal and business finances so you know exactly where your money is going.

We’ll set up an owner’s paycheck to create stability, even if your income fluctuates.

We’ll create a plan for taxes so you’re prepared and not caught off guard.

Together, we’ll build a 90-day plan with clear steps, specific dollar amounts, and timelines that fit your goals.

I’ll teach you The Plan Ahead Method™, an easy system to stay in control of your money and decisions.

The Plan Ahead Method™ is a trademark of Fiscal Fitness Phoenix.

What You'll Get:

Your Cash Flow Game Plan: A step-by-step 90-day plan personalized to your goals and priorities.

Confidence and Control: Strategies to manage spending, plan for taxes, and handle income ups and downs.

Practical Tools: Templates, simple budgeting tips, and automations to make managing money easier.

Ongoing Clarity: A system to help you make better decisions and reduce financial stress.

Cash Flow Reset Session Details:

For Self-Employed and Small Business Owners: Includes personal and business finances (2.5 hours) | $449 Investment

For Individuals or Couples: Focused on personal finances (2 hours) | $349 Investment

Are you curious about how the Cash Flow Reset Session works? Schedule a free Q&A Call to learn more about the session and how it can help you.

With Your Cash Flow Game Plan, you’ll finally feel in control of your money. You don’t have to do it alone. I’m here to help. Let’s take the first step toward simplifying your finances and creating stability for your business and your life.

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Let’s create a plan for your money that fits your life, helps you reach your goals, and builds a secure future.

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