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The Financial Navigator

A smaller Christmas, a clearer plan

January 9, 2026 Stephanie & Kris Smith Comments Off on A smaller Christmas, a clearer plan

I don’t know how your holidays went, but ours looked a little different this year. Things were quieter, simpler, and honestly… better. After getting laid off earlier in the year, we made a decision to have a “smaller” Christmas. Fewer gifts. Less running around. No chaos and no pressure. What did this look like? Just […]

Getting to the Bottom Line

Cash Flow Confessions: “I Have Way Too Many Subscriptions” with Kate Gilbert

January 9, 2026 Stephanie & Kris Smith Comments Off on Cash Flow Confessions: “I Have Way Too Many Subscriptions” with Kate Gilbert

Episode Overview Welcome to the first episode of Cash Flow Confessions, a new segment on Getting to the Bottom Line with your host, outsourced CFO Stephanie Smith. In this real-talk mini-series, we spotlight raw and relatable financial challenges that business owners are quietly facing—and how they’re solving them. In this kickoff conversation, Stephanie sits down […]

Getting to the Bottom Line

Plan Your Profit for the New Year with Stephanie Smith

January 2, 2026 Stephanie & Kris Smith Comments Off on Plan Your Profit for the New Year with Stephanie Smith

Episode Overview Start 2026 with purpose, clarity, and a solid plan for your business success. In this solo kickoff episode of Getting to the Bottom Line, host Stephanie Smith, CFO and founder of New Light Financial Solutions, shares her expert process for setting realistic and impactful financial goals. Whether you’re aiming to increase revenue, streamline […]

Getting to the Bottom Line

How to Unlock Employee Engagement and Drive Profit with Glenn Bostock

December 5, 2025 Stephanie & Kris Smith Comments Off on How to Unlock Employee Engagement and Drive Profit with Glenn Bostock

Episode Overview Glenn Bostock shares how he transformed a cabinet‑making business into a culture‑centered company by treating employees with dignity, rewarding transparency, and focusing on continuous improvement. Discover why a “Human Business” isn’t just better for people — it’s better for profits too. Watch About Human Business on YouTube https://youtu.be/O_nSngiB5VM Listen About Human Business on Buzzsprout […]

The Financial Navigator

From $200 to $41,000: What we learned the hard way

November 14, 2025 Stephanie & Kris Smith Comments Off on From $200 to $41,000: What we learned the hard way

Back in September, we hit one year in our new house. (yay!) And this week? We’ve had contractors coming by every day. That’s because most new builds come with a one-year warranty. And right now, we’re finally getting around to all the little things we knew we needed to get fixed, but that weren’t urgent […]

Getting to the Bottom Line

How Warm Marketing Builds Real Business Growth with Billy Sammons

November 7, 2025 Stephanie & Kris Smith Comments Off on How Warm Marketing Builds Real Business Growth with Billy Sammons

Episode Overview Stephanie Smith interviews Billy Sammons, founder of Live Local Warm Marketing, to explore how entrepreneurs can grow their business by building authentic community relationships through warm marketing techniques. Watch About Warm Marketing on YouTube https://youtu.be/k_Ay6eCbZJs Listen About Warm Marketing on Buzzsprout Show Notes What You’ll Learn in This Episode: What warm marketing is […]

The Financial Navigator

A spooky cost hiding in plain sight

October 31, 2025 Stephanie & Kris Smith Comments Off on A spooky cost hiding in plain sight

Today is Halloween, and our boys (6 and 9) are already buzzing with excitement. They’ve got their costumes picked out, bags ready, an their neighborhood walk plans mapped out. Now, we are not a “scary Halloween” kind of household. We don’t need any creepy clowns and cobwebs in our lives. We like to keep it […]

Getting to the Bottom Line

Six Cash Flow Drivers Every Owner Should Know

October 24, 2025 Stephanie & Kris Smith Comments Off on Six Cash Flow Drivers Every Owner Should Know

Episode Overview In this episode, Stephanie is joined by Kris Smith to discuss six key drivers that directly impact cash flow in your business. Learn how to improve your financial health without needing more sales. Watch About Cash Flow Drivers on YouTube Listen About Cash Flow Drivers on Buzzsprout Show Notes Stephanie Smith, host of […]

The Financial Navigator

The $22,000 leak that no one saw coming

October 17, 2025 Stephanie & Kris Smith Comments Off on The $22,000 leak that no one saw coming

Last week, I got one of those letters no homeowner wants to see. It was from our neighborhood HOA, and it started out pretty routine. But about halfway through the letter, our eyes landed on the number. $22,367 Apparently, there had been a major water leak underground. No puddles, no warning signs. Just a slow, […]

The Financial Navigator

Chaotic week? These 5 numbers will keep you steady.

October 3, 2025 Stephanie & Kris Smith Comments Off on Chaotic week? These 5 numbers will keep you steady.

This week has been a test. We had the stomach bug make an appearance in the house – not once, but twice. There have been more loads of laundry than I care to count. Sleep has been… optional. And somehow, through it all, life has kept marching on: work deadlines, client calls, soccer practice, and […]

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