Cash Allocation Guide40 clients at $1,500 a month is $720,000 a year.
Your clients ask the same question every month: how much can I safely take out? Cash Allocation Guide answers it with math. It sets the owner draw, gives every remaining dollar a job, and hands the client a monthly report card.
Your clients are making this decision blind.
They know what happened last month. They still don't know what to take, what to hold for taxes, or what the rest of the cash should do. You're already the one they ask.
Cash Allocation Guide turns that question into a repeatable engagement across your whole book. No CFO required.
Capital allocation is the most important job your clients have. Almost none of them were taught it.
"After ten years on the job, a CEO whose company annually retains earnings equal to 10% of net worth will have been responsible for the deployment of more than 60% of all the capital at work in the business."
Not rules of thumb. A capital-allocation system.
Computed for each business
No fixed percentages. The engine works from each client's actual taxes, debt, reserves, and owner pay. Different business, different answer.
Every dollar in strict priority
Taxes and operating needs first, then reserves, then owner pay, then growth. The way real capital structures work, not envelopes.
Proof they followed the plan
Recommended versus actual, every client, every month. Value you can show, not just describe.
Built for how owners are really paid
Reasonable salary versus distributions, the pass-through tax reserve, owner catch-up. Advice that holds up in April.
How it fits your firm's workflow
It sits on top of the books you already keep. No new ledger, no double entry, no change to how you close or file.
- 1
You close the month like always
QuickBooks stays your source of truth. Nothing changes about how you post, reconcile, or close.
- 2
It reads the closed numbers
Cash, income, expenses, debt, and the balances the allocation depends on. Read-only, and it never writes back.
- 3
The engine computes the allocation
Every dollar gets a job in strict priority: the tax reserve, operating minimum, obligations, reserves and cushion, owner pay and catch-up, distributions, then what stays retained.
- 4
You review and adjust
You add what the books don't hold: a known upcoming outlay, a tax nuance, the owner's plans.
- 5
The owner decides and moves the money
The product never touches a bank account. The owner makes the transfers, on your advice.
- 6
It records recommended versus actual
The report card builds month over month. That's the proof you show the client and bill against.
Works with your tax plan
- Respects the S-corp split: reasonable W-2 salary versus distributions, so comp planning stays defensible.
- Sizes the pass-through tax reserve every month, so quarterly estimates are funded and April holds no surprises.
- Sits between your bookkeeping and your tax plan. It decides what the cash does in the middle. It does not prepare or file returns.
What it does
- Reads the closed books, read-only
- Decides how the month's cash is allocated, in strict priority
- Sizes the tax reserve and separates salary from distributions
- Keeps the recommended-versus-actual record
What it never does
- Do your bookkeeping or the monthly close
- Prepare or file tax returns
- Move money or touch bank accounts
- Post, edit, or change anything in QuickBooks
It reads QuickBooks Online read-only and you can disconnect anytime. See our Privacy Policy for how data is handled.
You already have a dozen of these in your book.
- Owner-operated, roughly $250K to $5M in revenue
- Taxed as an S-corp (the current sweet spot)
- On QuickBooks Online
- Profitable, with real cash to allocate each month
- Overdraws and starves the tax reserve, or underdraws and traps cash
- No CFO and no board. Just you, their accountant
- Keeps asking you "how much can I safely take out?"
Every one is an advisory engagement you haven't sold yet.
What founding firms get
- The platform: run the monthly allocation across your entire book from one console.
- The deterministic engine: consistent, defensible, versioned math.
- Client-ready deliverables: the monthly report card and the owner report.
- Done-with-you onboarding: we run your first client's allocation with you.
- Founding pricing, locked for as long as you stay.
- A direct line to shape the roadmap.
One advisory client covers it. Everything after is margin.
We work with you hands-on until you land your first engagement.
We're taking a small founding cohort.
Founding firms get the best client results, pricing locked in for as long as they stay, and a say in what we build. When the cohort is full, the next one opens later.
Or email support@edwardmarshall.com with a note about your firm.