Customer Jobs
Identify the functional, social, emotional, and basic-needs outcomes customers are trying to accomplish.
Job completionTime saved
Business net worth
$286,420 ↗ $18,740 · 7.0%
Connected accounts
Balances organized by business function
$394,720
B
Operating checking ···· 1984Business checking
$86,240Updated today
R
Tax reserve ···· 5401High-yield savings
$47,680Updated today
S
Strategic reserve ···· 2280Business savings
$20,900Updated yesterday
I
Business brokerage ···· 7729Taxable investment
$194,500Updated today
E
Retained earnings reserveBusiness equity allocation
$45,400Updated Aug 22
C
Business credit line ···· 9137Revolving credit
$41,30032% utilized
L
Equipment note ···· 0458Term loan
$67,000Updated Aug 20
Business planning focus
Choose an area to start a focused wealth-building conversation.
Business portfolio
Build the operating picture that compounds your business wealth.
Design a value proposition
Systematically achieve product fit by deliberately matching what your business offers with customers’ important needs, jobs, and problems. Capture the evidence that proves each connection.
Value Proposition CanvasComplete the customer profile and value map together.
◌Customer profileWhat matters to customers
Customer Pains
Capture the costs, frustrations, risks, obstacles, and negative consequences customers face while pursuing those jobs.
Churn rateFriction events
Customer Gains
Define the useful outcomes, savings, improvements, positive feelings, and successes customers expect or value.
Customer satisfactionRepeat purchase
◇Value mapWhat your business delivers
Products & Services
List and prioritize the tangible, digital, intangible, and financial offerings that help customers get their jobs done.
Offer adoptionRevenue per offer
Pain Relievers
Explain specifically how each offering reduces or removes customers’ key costs, frustrations, risks, and adoption barriers.
Cost avoidedTime to resolution
Gain Creators
Explain how each offering delivers or exceeds the benefits, outcomes, and positive experiences customers want.
NPSOutcome improvement
Profitability assumptions
Set the revenue, delivery-cost, growth, and operating-expense assumptions that drive the six-month income statement in Reports.
Revenue & cost-to-make assumptions
Each revenue line maps one-to-one to a revenue and COGS line in Reports.
Revenue line one · Advisory retainers
Revenue line two · Education programs
Operating expense assumptions
Set the opening monthly spend and expected month-over-month movement for each cost line.
Marketing programs
Platforms & software
Operations & administration
Income tax assumption
Apply a simplified effective tax rate to operating income in the report forecast.
Business operations
Arrange the areas of your business as a living mind map. Drag any branch, edit its details, and make the ownership model fit how you actually work.
Business owner / executive leadRivera Consulting Group
Operations⠿
Marketing⠿
Finance⠿
HR⠿
Compliance⠿
Data & Analytics⠿
Business area details
Operations
Responsible person · Steven Cox
Edit titles and owners directly in the node. Drag using the dotted handle to arrange relationships visually. Select N/A when an area does not apply.
A flexible map makes it easier to see functional relationships, capacity needs, and areas where leadership ownership should be strengthened.
Business culture
Connect how your organization works to the mission, vision, and market opportunity you are building toward.
Mission
Describe what your organization exists to do, who it serves, and the value it creates today.
Vision
Describe what you want the organization to become or accomplish over the long term.
Addressable market goals
Consider customer segments, geographic expansion, market share, members, revenue opportunity, and new categories.
Organizational culture mapping
Build your desired culture
Place the traits that matter most, then adjust the balance of culture you want to intentionally reinforce.
Structured foundation
20%Compliant
Rules, systems, process, and operational discipline.
Aspirational edge
40%Courageous
Purpose, trust, ownership, and bold innovation.
Minimize
5%Complacent
Low urgency and resistance to improvement.
Shared execution
35%Committed / Community
Teamwork, accountability, and collective performance.
Drag traits between quadrants to define where each behavior belongs. Drag a trait back to the library to remove it from the map.
Culture summary
Your desired culture
Your organization is primarily building toward a Courageous and Committed / Community culture.
This initial workspace is designed for your Desired Culture. Its structure is ready for a future Current vs. Desired comparison.
Business marketing
Marketing Conversion Planner
See what your marketing investment could reasonably produce using industry benchmark data. Plan from spend to leads, customers, and revenue—without inventing conversion assumptions.
How are you planning to reach customers?
Choose the primary method. Co-planner applies the matching benchmark methodology and shows its confidence level.
Configure social strategy
Conversion funnel
Click a stage to see the benchmark and data source behind it.
Select a stage to see calculation details.
Financial performance
Immediate revenue and lifetime value are kept distinct.
Marketing spend—
Cost per lead—
Customer acquisition cost—
ROAS—
Marketing ROI—
LTV : CAC—
Lifetime revenue potential—
Break-even customers—
Scenario comparison
Expected is emphasized; the outer columns show the range supported by the active benchmark record.
| Forecast | Conservative | Expected | High performance |
|---|
Active benchmark record
—
Marketing benchmarks are planning estimates based on published industry data. Actual results vary with offer, audience, creative quality, geography, competition, sales process, market conditions, and more. Use this as a planning model, not a guarantee.
Business records
Compliance repository
Keep the documents that support your legal, financial, and operating responsibilities in one organized place.
No file selected
Documents
Names can be set manually so every record is easy to recognize.
State registration certificateState filing · 284 KB
LegalProfessional liability insurancePolicy document · 1.2 MB
Insurance2026 tax reserve scheduleFinancial record · 86 KB
FinancialFiles added in this local preview are represented in the repository list. Secure storage and permissions can be connected in a future production release.
Profitability report
A six-month financial model for one business at a time.
Income statement model
Manual entry lines can be edited directly.| Account | ||||||
|---|---|---|---|---|---|---|
| Revenue | ||||||
| Advisory retainers | ||||||
| Education programs | ||||||
| Total Revenue | ||||||
| Cost of goods sold | ||||||
| Delivery contractors | ||||||
| Program materials | ||||||
| Total COGS | ||||||
| Total Gross Profit | ||||||
| Gross profit margin | ||||||
| Operating expenses | ||||||
| Marketing programs | ||||||
| Platforms & software | ||||||
| Operations & administration | ||||||
| Total Operating Expenses | ||||||
| Total Operating Income | ||||||
| Income tax expense | ||||||
| Net Income | ||||||
| Profit margin | ||||||
| Depreciation & amortization | ||||||
| EBITDA | ||||||
Derived lines are calculated from the manual-entry sub-line items above. Positive inputs are treated as expenses where shown.
Settings
Manage your profile, business-planning inputs, financial connections, and account support.
Account email
Use this email for account notices, reports, and support communications.
Income streams
Add a business or income stream to plan around. It will become available in both Portfolio and Reports.
Rivera Consulting Group Horizon Learning Co. Northstar Advisory
Connected bank accounts
Review financial accounts currently connected to your profile. You can connect another account or remove an inactive one.
B
Operating Checking ···· 1984Business checking · Synced today
ConnectedR
Tax Reserve ···· 5401High-yield savings · Synced today
ConnectedI
Business Brokerage ···· 7729Taxable investment · Synced yesterday
ConnectedBilling
Monitor your current Wealth Coplanner subscription and payment method.
Current planProfessional
Next billing dateSep 24, 2026
Monthly total$79.00
Payment methodVisa ···· 2048
Support
Get help with your account, connections, or business planning workspace.
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Our support team typically responds within one business day.