Harbor & Pine Studio came to Goldenleaf to build a three-month reserve without disrupting client projects or payroll. We mapped their subscriptions, retainers, and variable expenses so the founders knew exactly how much cash belonged to safety versus growth.

Together we set a $45,000 reserve target, automated Friday transfers into a high-yield account, and staged reminders for quarterly insurance reviews. The team can now glance at one dashboard and see how today’s invoices feed future stability.

We started with a reconciliation sprint, noting every payment that reused the same card and every retainer that hit without an invoice. Once the data lived in one sheet, we layered rules: percent-to-savings, percent-to-taxes, and a fixed owner draw that never jeopardized payroll.

Goldenleaf now meets with the studio once a quarter to recalibrate the plan. We revisit spend against goals, update the emergency target, and check that disability and final expense policies still match household needs. The runway is living, flexible, and trusted.

Marina Solis, Creative Director

Goldenleaf gave us permission to slow down, look at the numbers, and still feel like artists. The plan is simple, visual, and lets us do our best work without second-guessing payroll.