Make a plan for your money.
Make room for your life.

Work with Lori Mercaldi, EA, a Certified Profit First Professional, to implement a practical cash flow system for your service-based business. Financial Tally supports coaches, consultants, creatives, agency owners, therapists, and other professional practices virtually nationwide from Durham, North Carolina.

Let’s talk about your business ↗

From busy to intentional

Revenue is only part of the story.

Your business can be bringing in money while you still feel unsure about paying yourself, covering expenses, or preparing for a slow month. A useful cash flow plan connects those everyday decisions to your goals.

I help you put the Profit First method into practice with a system built around how your business actually operates.

Build a consistent approach to paying yourself.
Set money aside for profit and taxes.
Understand what is available for operating expenses.
Plan for uneven revenue and future priorities.

Personalized implementation

A system you understand.
Support to keep using it.

Start with your numbers.

We review your financial information and complete an initial profit assessment to understand your current cash flow.

Build your allocation plan.

We establish practical starting allocations and guide the setup of bank accounts to give each part of your cash a purpose.

Review and adjust.

Through ongoing advisory conversations, we review progress, discuss decisions, and adapt the plan as your business changes.

Who this is for

Your expertise is your business.

Established and ready for structure.

A good fit for businesses generating $300,000+ in annual revenue whose owners want a clearer system and ongoing guidance.

Coaches and consultants may need to navigate variable income. Agencies may be balancing payroll and contractors. Practice owners may want more consistent owner’s pay alongside the demands of caring for clients.

More than a set of percentages.

We connect your allocation rhythm to real decisions: what you can spend, when to build reserves, and how your business can better support you.

Accounting review and tax planning can support that work when appropriate to your engagement.

A little more clarity

Your questions, answered.

Who will guide my Profit First implementation?

You’ll work with Lori Mercaldi, EA, founder of Financial Tally and a Certified Profit First Professional. Lori helps service-based business owners set up their Profit First accounts and allocations, build consistent habits, and review their cash flow as the business changes.

Can I work with you outside Durham, North Carolina?

Yes. Financial Tally provides virtual Profit First consulting nationwide. The service is designed for established service-based businesses whose owners want ongoing guidance with profit, owner’s pay, taxes, and operating expenses.

Do I have to know Profit First before we begin?

No. I’ll explain the method and guide implementation step by step.

What if my income changes from month to month?

We build the plan around your revenue pattern and discuss reserves, allocation timing, and adjustments as needed.

Is this a one-time setup or ongoing support?

Implementation establishes the foundation. Ongoing advisory support helps you review results, build habits, and adjust your plan. We’ll discuss the right scope during the discovery and proposal process.

How do I find out about pricing?

Start with the questionnaire and a discovery conversation. If we’re a fit, I’ll prepare a proposal based on the support your business needs.

Your next step

Let’s bring more clarity to your business.

Tell me about your goals, your cash flow, and the support you’re looking for.

Let’s get started

Make a plan for your money.Make room for your life.