RGDM OS
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Financial Dashboard

CFO Agent — QuickBooks data · April 2026

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

RGDM closed April 2026 with $6,279 in revenue and $5,503 net income (87.6% margin). Revenue split: Nordanyan Law $6,279. Gross margin at 100.0% remains well above the 55-60% industry benchmark. Revenue declined -66.7% month-over-month. 1 CRITICAL risk(s): Client Concentration — Nordanyan Law at 100.0%.

Revenue
$6,279
▼ 66.7% MoM
Net Income
$2,969
Net Margin
47.3%
Cash
$7,354
Cash Runway
9.5 months
Owner Draws
$11,336
32 transactions

Client Revenue

NO
Nordanyan Law
$6,279
Revenue Share
100%
Direct Margin
100%
Fully Loaded
88%

Risk Flags

1 active
CRITICAL Client Concentration score 20

Nordanyan Law at 100.0%

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

KPI Scorecard

Gross Margin
55-60% 100.0%
Net Margin
20-30% 47.3%
Mrr
growing $6,279
Avg Revenue Per Client
growing $6,279
Client Concentration
<25% Nordanyan Law at 100.0%
Dso
<35 days 0 days
Current Ratio
>1.5 0.21
Cash Runway
>6 months 9.5 months
Operating Cash Flow
positive $5,503
Software Cost Pct
<20% 1.5% ($91)
Contractor Cost Pct
<30% 0.0% ($0)
Revenue Growth Mom
positive -66.7%

Expense Breakdown

$3,310 total
Rent
$1,666
Anthropic
$431
QuickBooks Payments Fees
$220
Manus
$200
Verizon
$189
Quickbooks
$112
Spectrum
$101
Heygen
$59
Google Workspace
$50
Perplexity
$40
Blotato
$29
Webflow
$29
Godaddy
$26
Eversince
$25
Calendly
$24
Adobe
$20
Hedra
$15
Wispr
$15
Canva
$15
Bank Service Fee
$15
Skool
$9
Webmobilefirst
$9
Elevenlabs
$5
Tailscale
$5

Full Itemized Cost Breakdown

✓ Ties to statement Operating: $3,310

Source: 20260430-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)
$764.47
Anthropic $431.47
Manus $200.00
Heygen $59.00
Blotato $29.00
Eversince $25.00
Hedra $15.00
Elevenlabs $5.00
Overhead (agency tools, utilities, rent, fees)
$2,536.52
Rent $1,665.61
QuickBooks Payments Fees $219.77
Verizon $189.35
Quickbooks $112.00
Spectrum $101.25
Google Workspace $50.40
Perplexity $40.00
Webflow $29.00
Godaddy $26.18
Calendly $23.99
Adobe $19.99
Wispr $15.00
Canva $15.00
Bank Service Fee $15.00
Webmobilefirst $9.00
Tailscale $4.98
Education / Community
$9.00
Skool $9.00
Personal (owner, commingled card) (not operating expense)
$175.63
Dining $109.19
Personal Subs $35.97
Apple Bill $15.47
Zelle $15.00
Taxes (state/federal) (not operating expense)
$4,276.00
Taxes (state/federal) $4,276.00
Credit-Card Payments (debt paydown) (not operating expense)
$1,972.00
Credit card payment (autopay) $1,372.00
Credit card payment (Chase) $600.00
Owner Draws (transfers to personal) (not operating expense)
$11,336.00
Owner draw (transfer to personal) $11,336.00
Needs Review (uncategorized) (not operating expense)
$37.41
Utari $20.00
Amazon $10.96
Sq *Jurupa Area Recr Jurupa Valley $3.50
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
$9,767
CC Debt
$35,911
Net Position
$-26,144
AR Outstanding
$0
Account Balances
AMEX Blue Bus Plus (1000) $-10,543.92
AMEX Bus Platinum (3005) $-5,858.03
Apple Credit Card $4,211.92
Bus Credit Line (1001) $500.00
Business Gold Card (1004) $-2,948.63
Chase Checking (8715) $9,767.00
Chase Ink Card (6183) $-10,743.17
R. Guerrero (1624) $-10,528.79

Revenue Trend

Data generated: 2026-05-05T09:00:09 · 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.