Send Me Your Questions!

One client. Half your revenue. Great relationship. Solid work. And then they get acquired, a vendor review happens, and they're gone in 90 days.

That's concentration risk. And it doesn't announce itself until it's already happening.

In this episode, Melissa breaks down the 50% client problem, where else concentration risk hides in your business, and four practical moves to start building resilience without blowing up what's working.

There's homework. It's short. The number might make you a little uncomfortable. That's intentional.

In This Episode

• What concentration risk actually is and why the warning sign is 20%
• Why "they're not going anywhere" is not a risk management strategy
• Vendor and revenue stream concentration: the ones founders miss
• Four moves to build resilience gradually and intentionally
• Your homework: one calculation that tells you a lot

Homework

Pull your revenue from the last 12 months. Calculate what percentage each client represents. If anything is above 20%, you have information worth acting on.

No Se Habla Taxes is the podcast for creative agency owners who want to understand the financial side of their business — without drowning in spreadsheets. Hosted by CPA and fractional controller Melissa Armstrong, each episode unpacks real operational finance questions through candid stories and practical insight. Subscribe to the newsletter at steadyhandaccounting.com for episode recaps and financial insights delivered straight to your inbox.

Not sure if your business is healthy or just busy? No Se Habla Confusion is a $500 financial assessment for creative agencies on QBO doing $300K–$3M. I dig into your numbers, find the gaps, and tell you exactly where you stand. Email info@steadyhandaccounting.com — subject line: No Se Habla Confusion.

Let's connect!

LI: https://www.linkedin.com/in/armstrongmelissacpa/

Website: https://steadyhandaccounting.com/

Send Me Your Questions!

The Emotional Side of Agency Finances

We're not opening a spreadsheet in this episode. We're talking about feelings.

After years of sitting across from agency founders and looking at their numbers, one thing is clear: the math is almost never the problem. The feelings about the math — that's where everything gets stuck. The fear that you're not charging enough. The avoidance that keeps you from opening your books for weeks. The pricing decisions made from anxiety instead of data.

In this episode, Melissa gets into the emotional drivers that quietly run the show in your business — and what it actually looks like to move from fear-driven decisions to data-driven ones. Because the data is almost always less scary than the story your brain is telling at midnight.

If any of it feels uncomfortably relatable, that means it landed the way it was supposed to.

No Se Habla Taxes is the podcast for creative agency owners who want to understand the financial side of their business — without drowning in spreadsheets. Hosted by CPA and fractional controller Melissa Armstrong, each episode unpacks real operational finance questions through candid stories and practical insight. Subscribe to the newsletter at steadyhandaccounting.com for episode recaps and financial insights delivered straight to your inbox.

Not sure if your business is healthy or just busy? No Se Habla Confusion is a $500 financial assessment for creative agencies on QBO doing $300K–$3M. I dig into your numbers, find the gaps, and tell you exactly where you stand. Email info@steadyhandaccounting.com — subject line: No Se Habla Confusion.

Let's connect!

LI: https://www.linkedin.com/in/armstrongmelissacpa/

Website: https://steadyhandaccounting.com/

Send Me Your Questions!

"I'm just not a numbers person."

If you've said that — or thought it — this episode is for you.

In Episode 3, Melissa Armstrong gets personal. As a CPA who has spent her career helping creative founders understand their finances, she still found herself believing she wasn't on top of her own business money. It took validation from her commercial banker and her business advisors before she could let that story go.

Sound familiar?

This episode unpacks where the "I'm bad at numbers" belief comes from, what it's actually costing your business, and why financial confidence has nothing to do with being good at math.

In this episode:
— Why creative founders carry the "I'm not a numbers person" story
— The difference between financial language and financial intelligence
— What avoidance really costs you (and it's not what you think)
— What financial confidence actually looks like — and how close you already are

No Se Habla Taxes is the podcast for creative agency owners who want to understand the financial side of their business — without drowning in spreadsheets. Hosted by CPA and fractional controller Melissa Armstrong, each episode unpacks real operational finance questions through candid stories and practical insight. Subscribe to the newsletter at steadyhandaccounting.com for episode recaps and financial insights delivered straight to your inbox.

Not sure if your business is healthy or just busy? No Se Habla Confusion is a $500 financial assessment for creative agencies on QBO doing $300K–$3M. I dig into your numbers, find the gaps, and tell you exactly where you stand. Email info@steadyhandaccounting.com — subject line: No Se Habla Confusion.

Let's connect!

LI: https://www.linkedin.com/in/armstrongmelissacpa/

Website: https://steadyhandaccounting.com/