RGDM OS

Financial Dashboard

CFO Agent — QuickBooks data · January 2026

RGDM closed January 2026 with $18,871 in revenue and $10,012 net income (53.1% margin). Revenue split: DK Law $12,500, Nordanyan Law $6,371. Gross margin at 100.0% remains well above the 55-60% industry benchmark. 1 CRITICAL risk(s): Client Concentration — DK Law at 66.2%. 2 warning(s): Low Cash Runway; Contractor Cost Creep.

Revenue
$18,871
Net Income
$10,012
Net Margin
53.1%
Cash
$9,001
Cash Runway
1.0 months
Owner Draws
$8,556
33 transactions

Client Revenue

NO
Nordanyan Law
$6,371
Revenue Share
0%
Direct Margin
100%
Fully Loaded
0%
DK
Dk Law
$12,500
Revenue Share
0%
Direct Margin
52%
Fully Loaded
0%

Risk Flags

3 active
CRITICAL Client Concentration score 20

DK Law at 66.2%

Diversify revenue by onboarding new clients. Target: no client >25% of revenue.

WARNING Low Cash Runway score 12

Cash covers 1.0 months of expenses (target: >6 months)

Accelerate AR collection and tighten expense controls.

WARNING Contractor Cost Creep score 9

Contractors at 31.8% ($6,000) of revenue

Evaluate contractor ROI. Develop AI replacements per Phase 6 roadmap.

KPI Scorecard

Gross Margin
55-60% 100.0%
Net Margin
20-30% 53.1%
Mrr
growing $18,871
Avg Revenue Per Client
growing $9,435
Client Concentration
<25% DK Law at 66.2%
Dso
<35 days 0 days
Current Ratio
>1.5 0.25
Cash Runway
>6 months 1.0 months
Operating Cash Flow
positive $10,012
Software Cost Pct
<20% 2.5% ($473)
Contractor Cost Pct
<30% 31.8% ($6,000)

Expense Breakdown

$8,858 total
Contractors
$6,000
Interest Paid
$595
QuickBooks Payments Fees
$564
Office Supplies & Software
$473
Meals & Entertainment
$262
Legal & Professional Services
$206
Payroll Processing Fees
$117
Gas and Fuel
$85
Client Gifts
$55
Bank Charges & Fees
$16

Agency Software & AI Costs

$473 total
Total
$473
2.5% of revenue
AI Tools
$335
1.8% of revenue
Software
$103
0.5% of revenue
Claude AI
$100
QB recorded*
AI Tools Breakdown
Manus AI $200.00
Claude AI (Anthropic) $100.00
Utari AI $20.00
Wispr Flow $15.00
Agency Software Breakdown
Google Workspace $50.40
Webflow $29.00
Canva $15.00
Extension (Mobile First) $9.00

* QB recorded amount only. Actual Claude API usage (~$1,650/mo) exceeds QB charges. Real-time tracking via Anthropic Admin API coming soon.

Balance Sheet Snapshot

Total Cash
$7,631
CC Debt
$35,480
Net Position
$-27,848
AR Outstanding
$0
Account Balances
AMEX Blue Bus Plus (1000) $-10,271.84
AMEX Bus Platinum (3005) $-5,699.05
Apple Credit Card $4,211.92
Bus Credit Line (1001) $500.00
Business Gold Card (1004) $-2,948.63
Chase Checking (8715) $7,631.22
Chase Ink Card (6183) $-10,743.17
R. Guerrero (1624) $-10,528.79

Revenue Trend

Data generated: 2026-02-22T03:54:29 · CFO Agent v1.0.0
How to Read This Report

Revenue is total client billings for the month. Net income = revenue minus all expenses (contractors, tools, subscriptions). Margin = net income / revenue as a percentage.

Cash runway is how many months the business can operate at current expense levels with available cash. Below 3 months is a warning; below 1 month is critical.

Client breakdown shows revenue per client with base retainer vs. performance bonuses separated. High bonus-to-base ratios mean strong performance-tied revenue.

Software & AI costs track the tools powering the agency — Anthropic API, hosting, subscriptions. These are the primary variable costs; keeping them low relative to revenue maintains the high-margin advantage.

Risk flags highlight financial concerns: concentration risk (too much revenue from one client), margin compression, or expense anomalies.