09/17/2026
Recently, a client came to me because she was starting a new business based on something she is passionate about.
She was ready to do everything “the right way.”
Form an LLC.
Get an EIN.
Set up accounting software.
Create all the systems from day one.
Before doing any of that, I wanted to understand her business first. We talked about what she was doing, the potential liabilities, where she was in her business journey, and what she actually needed right now.
After our conversation, I advised her to start by operating the business under her own name instead of forming an LLC just yet. I also recommended keeping her business transactions separate from her personal account and using a simple Excel spreadsheet to track the business activity for now.
That’s it.
No unnecessary setup costs.
No software subscription she doesn’t need yet.
No complicated system to maintain while she is still building the business.
When the business grows to the point where additional structure makes sense, we can set those things up.
Sometimes the best advice is not another service. Sometimes it’s simply, “You don’t need that yet.”
I’m not here just to get the job done.
I want to get it done right, recommend what actually makes sense for my clients, and help them avoid unnecessary costs and complexity—so they can focus their time, energy, and money on growing their business.
