FREE GUIDE + BONUS EXCEL SPREADSHEET
Before you hire, buy equipment, or add another expense, see what it could mean for your profit, cash, and workload.
Get the DIY CFO Toolkit—a practical guide and spreadsheet that help you run the numbers—so you can stop guessing which move your business can support.
Both included. Completely free. No appointment needed.
MAKE ROOM TO GROW
A practical framework for your next
hire, process change, or investment.
| Annual impact | Hire | Process | Pricing / mix |
|---|---|---|---|
| Profit change | −$15,000 | +$26,500 | +$63,000 |
| Hours saved / week | 18 | 12 | 10 |
01 Find the real bottleneck
02 Compare the tradeoffs
03 Test the downside
04 Set conditions to act
BUSY SHOULD NOT MEAN STUCK
You’re estimating after dinner, answering questions between jobs, and approving decisions your team can’t make without you.
A new hire might help. So might a better process, different pricing, outsourcing, or the right equipment. The expensive part is committing before you know what actually solves the problem.
Put your next move on paper before you put it on payroll.
TWO PRACTICAL TOOLS. ONE CLEARER DECISION.
A guided way to ask better questions, make your assumptions visible, and compare what you get for what you spend.
A step-by-step decision framework with a worked contractor example. Get clear on the problem, the tradeoffs, and the evidence you need.
Walk away with a decision you can explain.
An editable Excel workbook with four connected tabs, sample assumptions, and built-in formulas. Start with your current business and compare up to four options.
Walk away knowing what must be true for it to work.
A FRAMEWORK YOU CAN USE AGAIN AND AGAIN
Raise prices. Outsource work. Improve a process. Buy equipment. Add a role. Each choice changes the numbers—and what your business needs from you.
Use the guide to compare your options and the spreadsheet to see their potential impact before you commit.
Look beyond revenue. Compare expected margin, recurring costs, and the result left for the business.
Check the upfront cost against the cash cushion you want to protect.
Test weaker revenue, lower margins, or higher costs before they become your reality.
Set clear conditions for the decision—and check whether it solves the problem you started with.
FROM BIG MOUNTAIN FINANCIAL
I’m Robbie Oyama. I help contractors, trades, and service businesses understand their numbers and make more confident business decisions.
This toolkit brings that approach to a question every growing contractor faces: “What can I change so the business depends less on me?”
Robbie Oyama Owner, Big Mountain FinancialBEFORE YOU START
No. Compare a hire with process improvements, outsourcing, pricing or job-mix changes, and equipment purchases. The important question is which option addresses your specific bottleneck.
The guide walks you through the workbook in order. Blue cells are for your inputs; linked and calculated cells do the math. Start with the sample, then enter assumptions you can explain.
Bring annual revenue, gross margin, current owner hours, available cash, and a minimum cash balance you want to protect. For each option, estimate ongoing costs, upfront costs, revenue, and hours recovered.
No. It is a first-pass decision tool. The simplified model does not calculate collection lag or monthly cash timing. Seasonality, retainage, financing, taxes, and gradual revenue ramps may require a custom monthly forecast.
The DIY CFO Toolkit includes a practical decision guide and the bonus Scenario Spreadsheet for Excel. Sign up to receive both by email. No purchase or appointment is required.
YOUR NEXT DECISION DESERVES BETTER THAN A GUESS
Start with one bottleneck. Compare your options.
See what your business can support before you commit.
Decision guide + bonus Excel spreadsheet · $0