RGDM OS
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Financial Dashboard

CFO Agent — QuickBooks data · March 2026

2026-01 2026-02 2026-03 2026-04 2026-05 2026-06

RGDM closed March 2026 with $18,846 in revenue and $15,813 net income (83.9% margin). Revenue split: DK Law $12,500, Nordanyan Law $6,346. Gross margin at 100.0% remains well above the 55-60% industry benchmark. Revenue declined -4.2% month-over-month. 1 CRITICAL risk(s): Client Concentration — DK Law at 66.3%.

Revenue
$18,846
▼ 4.2% MoM
Net Income
$9,188
Net Margin
48.8%
Cash
$13,040
Cash Runway
4.3 months
Owner Draws
$16,060
42 transactions

Client Revenue

NO
Nordanyan Law
$6,346
Revenue Share
34%
Direct Margin
100%
Fully Loaded
84%
DK
Dk Law
$12,500
Revenue Share
66%
Direct Margin
100%
Fully Loaded
84%

Risk Flags

1 active
CRITICAL Client Concentration score 20

DK Law at 66.3%

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

KPI Scorecard

Gross Margin
55-60% 100.0%
Net Margin
20-30% 48.8%
Mrr
growing $18,846
Avg Revenue Per Client
growing $9,423
Client Concentration
<25% DK Law at 66.3%
Dso
<35 days 0 days
Current Ratio
>1.5 0.37
Cash Runway
>6 months 4.3 months
Operating Cash Flow
positive $15,813
Software Cost Pct
<20% 8.6% ($1,627)
Contractor Cost Pct
<30% 0.0% ($0)
Revenue Growth Mom
positive -4.2%

Expense Breakdown

$9,658 total
Kda
$2,539
Rent
$1,666
Maven Media
$1,500
Anthropic
$1,484
QuickBooks Payments Fees
$596
Gohighlevel
$333
Ladwp
$214
Skool
$208
Spectrum
$202
Manus
$200
Verizon
$190
Quickbooks
$112
Fal
$80
Google Workspace
$50
Perplexity
$40
Godaddy
$39
Canva
$30
Blotato
$29
Webflow
$29
X Developer
$25
Adobe
$20
Bank Service Fee
$18
Hedra
$15
Wispr
$15
Elevenlabs
$10
Webmobilefirst
$9
Railway
$5

Full Itemized Cost Breakdown

✓ Ties to statement Operating: $9,658

Source: 20260331-statements-8715-.pdf (Chase checking 8715). Every line categorized via categorization.yaml. Operating expense = Cost of Services + Overhead + Professional + Contractors + Education. Owner draws, credit-card payments & personal spend are shown separately (not business expenses).

Cost of Services (client-delivery tools)
$1,823.39
Anthropic $1,484.39
Manus $200.00
Fal $80.00
Blotato $29.00
Hedra $15.00
Elevenlabs $10.00
Railway $5.00
Overhead (agency tools, utilities, rent, fees)
$3,587.47
Rent $1,665.61
QuickBooks Payments Fees $595.86
Gohighlevel $332.99
Ladwp $213.72
Spectrum $202.50
Verizon $189.53
Quickbooks $112.00
Google Workspace $50.40
Perplexity $40.00
Godaddy $39.37
Canva $30.00
Webflow $29.00
X Developer $25.00
Adobe $19.99
Bank Service Fee $17.50
Wispr $15.00
Webmobilefirst $9.00
Professional Services
$2,538.97
Kda $2,538.97
Contractors (1099)
$1,500.00
Maven Media $1,500.00
Education / Community
$208.00
Skool $208.00
Personal (owner, commingled card) (not operating expense)
$2,656.75
Dining $1,431.99
Cash $400.00
Zelle $375.00
Dmv $278.32
Starlink Pers $120.00
Personal Subs $35.97
Apple Bill $15.47
Taxes (state/federal) (not operating expense)
$3,153.00
Taxes (state/federal) $3,153.00
Credit-Card Payments (debt paydown) (not operating expense)
$3,852.88
Credit card payment (autopay) $2,952.00
Credit card payment (Chase) $900.88
Owner Draws (transfers to personal) (not operating expense)
$16,140.00
Owner draw (transfer to personal) $16,140.00
Needs Review (uncategorized) (not operating expense)
$1,585.60
Amazon $1,274.73
Apple.Com/US 800-676-2775 $272.04
Utari $20.00
Fanshield-Teak Refun Fanshield.Com $15.88
Orig CO Name:Prpbossol Conv F Orig ID:1841393599 Desc Date: CO Entry Descr: $2.95

Rent (JV Crenshaw) & home utilities (Spectrum, Verizon, LADWP) are shown at 100% here; KDA sets the business-use % at tax time (accountable-plan reimbursement). Credit-card interest is carried on the card statements (financing cost), not shown as operating expense. Amazon stays under per-charge review by design.

Balance Sheet Snapshot

Total Cash
$10,511
CC Debt
$35,674
Net Position
$-25,163
AR Outstanding
$0
Account Balances
AMEX Blue Bus Plus (1000) $-10,359.43
AMEX Bus Platinum (3005) $-5,805.57
Apple Credit Card $4,211.92
Bus Credit Line (1001) $500.00
Business Gold Card (1004) $-2,948.63
Chase Checking (8715) $10,510.85
Chase Ink Card (6183) $-10,743.17
R. Guerrero (1624) $-10,528.79

Revenue Trend

Data generated: 2026-04-05T09:00:08 · CFO Agent v4.0.0
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.