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Financial Clarity Diagnostic
A focused review of cash flow, profitability, reporting gaps, and near-term risks.
- Financial health assessment
- Priority risks and opportunities
- 90-day action plan
Business financial consulting
Know where your business stands—and what comes next.
Keltner Financial helps owner-led businesses improve cash visibility, understand profitability, build reliable forecasts, and make better growth decisions.
No pressure. No generic sales pitch. Start with the decision you are trying to make.
ForecastingCash-flow planningProfitability analysisManagement reporting
The gap we close
Your bookkeeping tells you what happened. Your financial plan should tell you what to do next.
Many growing businesses have accurate books but still make major decisions with incomplete information. Revenue may be rising while cash tightens. A profitable service line may be subsidizing an unprofitable one. Hiring may feel urgent without a model showing when the added payroll becomes sustainable.
Keltner Financial converts historical records into decision-ready forecasts, dashboards, and practical operating conversations.
How our approach is differentThree ways to engage
Start with the level of clarity your business needs now.
Each engagement is designed to produce usable decisions—not a thicker binder.
Most practical starting point
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Forecasting & Reporting Build
A custom operating model that connects budget, cash, KPIs, and monthly review.
- Rolling forecast
- 13-week cash plan
- Management dashboard
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Ongoing FP&A Support
Monthly financial planning and decision support without adding a full-time finance hire.
- Monthly performance review
- Forecast updates
- Scenario analysis
A disciplined process
From scattered numbers to a repeatable decision system.
Good financial planning is not a one-time spreadsheet. It is a management rhythm.
- 1Understand the business
Clarify the operating model, owner priorities, and decisions at stake.
- 2Organize the financial picture
Reconcile the information needed for useful analysis—not unnecessary complexity.
- 3Build the forward view
Translate assumptions into cash, margin, and operating scenarios.
- 4Create the management rhythm
Set a practical monthly cadence for review, accountability, and course correction.
Free planning tool
Pressure-test your next 13 weeks of cash.
Use the interactive planner to estimate weekly cash movement and spot the first point where your operating cushion becomes uncomfortable.
Open the cash-flow plannerOwner-focused insights
Finance explained through real operating decisions.
Why a profitable business can still run out of cash
Profit is not a bank balance. See how receivables, inventory, debt, and growth can create a cash squeeze.
Read the guide →How to build a 13-week cash-flow forecast
A practical framework for turning weekly inflows and outflows into an early-warning system.
Read the guide →Five reports every owner should review monthly
Move beyond the income statement and build a compact management package that drives action.
Read the guide →Founding client program
Help shape the firm. Receive a focused introductory engagement.
We are opening a limited number of early engagements for owner-led businesses willing to provide direct feedback. Any published case study or testimonial requires explicit permission, and results will never be invented or overstated.
Ask about founding-client availabilityStart with the decision
You do not need a larger accounting report. You need a clearer financial decision.
Tell us what you are trying to understand, fund, fix, or grow.
Book a financial clarity call