Project Details
Emergency Fund Sprint
Goldenleaf partnered with Harbor & Pine Studio to build an emergency fund and insurance roadmap so the partners could focus on client work without worry.
We audited every account, consolidated payments, and mapped monthly transfers that respected their $45,000 operating budget while keeping payroll steady.
Client
Harbor & Pine Studio
Category
Personal & Business Planning
Budget
45,000$
Date
November 19, 2022
Using the Goldenleaf Emergency Fund framework we modeled reserve targets and surfaced the exact deposits required each Friday to stay on track.
Within eight weeks the studio moved from reactive bookkeeping to a calm cadence with reconciled accounts, quarterly coverage reviews, and a living plan that adapts as revenue shifts.
How the plan came together
Every deliverable tied back to clarity, care, and growth—the Goldenleaf pillars—so the owners know what to do today while keeping the long-term roadmap visible.
Cash-Flow Clarity Map
Segmented every deposit, retainer, and subscription so the team knows what is safe to spend and what feeds the runway.
Protection Baseline Review
Benchmarked disability, final expense, and key-person coverage so the studio and each family stayed protected.
Automation Guardrails
Built scheduled transfers into high-yield savings and CD ladders plus alerts when balances drift outside the plan.
Team Finance Playbook
Documented close tasks, owner draws, and KPIs so everyone knows how to run the numbers each month.