What if your books could talk—and actually tell you how to grow? We sit down with Allocate Financial Services founder Ken Rigby to unpack how clean, timely bookkeeping paired with practical advisory turns confusion into clarity for small business owners who juggle too much and decide too late. No fluff, just the systems, rhythms, and decisions that move a business from fragile to resilient.

Ken shares why he built a B2B bookkeeping and advisory firm after a hard lesson in real estate investing, and how that experience shaped his no-nonsense approach to forecasting, margins, and cash flow. We walk through the mistakes many owners make—DIY QuickBooks that never stays current, year-end scrambles that inflate costs, and a blind spot for reading financial reports—and replace them with a monthly cadence that highlights what matters: cash on hand, aging receivables, cost of goods sold, and realistic runway. You’ll hear how his team flags early warnings, models scenarios, and helps owners choose between hiring, pausing, or pricing differently before pressure turns into crisis.

We also dive into today’s headwinds: tariffs, supply delays, and uneven hiring. For import-reliant retailers and restaurants, Ken emphasizes liquidity, tighter inventory turns, and vendor negotiations. For service businesses like contractors and clinics, he covers value-based pricing, deposits, and scheduling that protects margins. And we tackle the classic question: is marketing an expense or an investment? The answer lives in the numbers—tie spend to outcomes, adjust quickly, and keep what works.

If you’re launching or leveling up, Ken outlines a simple foundation: form the right entity, secure three to six months of capital, set up your chart of accounts properly, and commit to monthly closes with a brief advisory review. That’s how you stop guessing and start steering. Want to build profit on purpose and sleep better at night? Subscribe, share this with a fellow owner, and leave a review with the one metric you plan to track every month.

Allocate Financial Services
Ken Rigby
Elmwood Park, NJ, USA
(551) 326-8389
[email protected]
allocatefinancial.com