The Financial Team You Need If Your Business Makes Under $100K

You started your business because you’re damn good at what you do.

Whether you’re a designer, a salon owner, a consultant, or a creative, your zone of genius is what drives your income, your impact, and your joy. But running a business doesn’t mean doing it all yourself—especially when it comes to your numbers.

Not sure if you really need a bookkeeper yet? Wondering if hiring a CPA is overkill at your level? Curious how to start paying yourself without screwing up your taxes?

Even early on, the right financial support can help you pay yourself, plan ahead, and stay out of hot water.

In this post, we’ll break down the must-have financial roles for businesses making under $100K—what’s essential now, what can wait, and how to get support without overhiring.

Here’s who you actually need on your team if you’re making less than $100K a year.

1. Financial Coach

Don’t wait until you’re “making more” to get support.

A financial coach can help you:

• Pay yourself consistently (even if it’s just $2K a month)
  
• Organize your money
  
• Build a spending and savings plan based on your goals
  

This kind of guidance early on can help you avoid financial chaos later.

2. Tax Preparer or CPA

Your taxes get real, real fast—especially if you’re a sole prop, LLC, or S-corp.

Even if you only see your CPA once a year:

• Make sure your taxes are filed correctly
  
• Maximize deductions and credits
  
• Avoid nasty surprises from the IRS
  

3. (Maybe) a Bookkeeper

Hot take: You probably don’t need a bookkeeper—yet.

You might need one if:

• You sell products or run an e-commerce shop
  
• You manage payroll or commission-based contractors
  
• You deal with multi-state sales tax
  

You probably don’t need one if:

• You’re a service-based solopreneur with a few monthly invoices
  
• You’re already tracking expenses with software or a spreadsheet
  

Instead, consider a year-end cleanup or quarterly check-in.

💡 Bottom line: Start lean, but start smart. The right financial guidance now builds the foundation for sustainable growth later.

💬 Ready to stop guessing and start building real financial clarity?
You don’t have to figure this out alone. If you’re not sure where to start or what support makes the most sense for your business, let’s talk.