Six engagements. One honest page.
All services are provided virtually — no time-consuming hassle of driving or fighting traffic to meet.
Personal Financial Coaching
You work too hard to feel this broke. Why can't you ever get that credit card paid off?
- Ideal client
- Individuals and couples who feel trapped in their finances — young professionals, recent graduates, and partners who need one shared plan.
- Format and duration
- Three-month coaching program. 100% virtual.
What's included
- Baseline review of where your money actually goes
- A spending and saving system you can genuinely follow
- Debt-reduction sequencing and shared goal setting
- Regular coaching sessions with assigned next actions
- Accountability between sessions — without shame
What you walk away with
You leave able to read your own financial picture, run your own plan, and make decisions from confidence instead of fear.
What this is not
- Investment management or securities advice
- Bookkeeping or transaction data entry
- Any promise of a specific dollar result
Business Coaching
Self-employment is thrilling — but you shouldn't have to stop eating whenever you want to take a vacation.
- Ideal client
- Entrepreneurs moving from an idea, side hustle, garage, or kitchen table into a real operation.
- Format and duration
- Three-month coaching process. 100% virtual.
What's included
- Separating business money from personal money
- Financial processes that fit how you actually work
- Preparing for taxes before they arrive
- Owner time, boundaries, and paying yourself
- Accountability on the decisions you keep postponing
What you walk away with
You run the business instead of letting it run you, and you can explain your own numbers out loud.
What this is not
- Ongoing monthly reporting (that's Virtual CFO)
- Bookkeeping clean-up
- Guaranteed profitability
Virtual CFO
You're finally making it — but you're spending way too much time keeping company finances in order, and you don't even want to think about organizing tax documents.
- Ideal client
- Established small businesses that need real financial oversight without hiring a full-time CFO.
- Format and duration
- Ongoing engagement, delivered virtually. This service features various levels of involvement.
What's included
- A CPA reviewing your financial information
- Cash-flow visibility and financial reporting
- Strategic planning and decision support
- Staying ahead of important dates and deadlines
- Accountability at the ownership level
What you walk away with
You get higher-level financial operations and outside perspective, so you can focus on what you do best — running your business.
What this is not
- Investment management or regulated investment advice
- Full-time in-house CFO coverage
Specific Virtual CFO engagement tiers, scope, and pricing to be confirmed with Ben before publication.
Strategy Session
Stop relying on what your brother-in-law said. Start your business with confidence and avoid a mess you'll have to clean up later.
- Ideal client
- Hopeful entrepreneurs with specific questions.
- Format and duration
- One two-hour meeting, tailored to your questions.
What's included
- What you need to know about taxes for your situation
- Business processes and entity questions
- Pitfalls you weren't even aware of
- Direct answers to your WHY and HOW questions
What you walk away with
You leave educated on the decisions in front of you, instead of relying on Google to save you from failure before you begin.
What this is not
- Ongoing coaching or accountability
- Tax return preparation
- Legal advice
Professional Tax Preparation
Enjoy the confidence that it's been done correctly and your questions have been answered.
- Ideal client
- The over-worked and stressed self-employed business owner.
- Format and duration
- Federal and state income tax preparation for individuals and/or business entities. 100% virtual engagement.
What's included
- Secure document sharing
- Federal and state return preparation
- Your questions answered by a CPA
What you walk away with
You sit back knowing the IRS isn't going to come after you for checking the wrong box.
What this is not
- Bookkeeping or catch-up accounting
- Audit representation unless separately agreed
Business Launch Kit
Get your business off to a great start, stay focused on your passion, and avoid creating a mess.
- Ideal client
- The entrepreneurial-minded, launching on their own schedule.
- Format and duration
- Self-paced online course created by two CPAs, with more than 40 modules.
What's included
- 40+ no-nonsense modules on tax, money systems, risk management, mindset, and business management
- A streamlined process to ramp up faster with less headache
- A money management system for avoiding costly mistakes
- Bonus Microsoft Excel spending plan program
What you walk away with
You launch with the structure and vocabulary most first-time owners spend two years learning the hard way.
What this is not
- Personal coaching sessions
- Tax return preparation
Not sure which one? That's what the coffee chat is for.
Schedule free consultationCoaching services are educational and accountability-based. Ben Watson does not manage investments or provide regulated investment advice through Fiscal Fluency. No service guarantees debt elimination, savings, or profitability.