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The EDGE Membershipwith Karen G. Adams
$149/month incl. GST · Cancel anytimeJoin The EDGE Membership
The EDGE Membership · For business owners who want to grow

Too Big to Wing It.Too Small to Need a CFO.

Weekly training and education that shows you how to run the business you’ve built by the numbers — not the bank balance.

  • Weekly training in plain English
  • Live Q&As with Karen G. Adams
  • The EDGE Business Health Check included
Join The EDGE MembershipCancel anytime · $149/month incl. GST
The EDGE Membership with Karen G. Adams – Too Big to Wing It. Too Small to Need a CFO.
40 Years in Financial ServicesBuilt on The FM101 MethodWorks Alongside Your Accountant
Sound familiar?

Too Big to Wing It.

You’ve built something real. Good team, steady work, a name people trust. But the way the business is being run hasn’t kept up with the business itself.

01

We’re flat out and fully booked.

So why doesn’t the bank account show it?

02

Busy isn’t the same as profitable.

And I can’t tell which jobs actually make money.

03

I check the bank app before I say yes.

To a hire, a new ute, even a pay rise for myself.

04

BAS and tax always seem to land as a surprise.

The money was there… until it wasn’t.

05

Hours run over and variations slip through.

Time we worked, but never billed.

06

I’ve done the job. Now I’m chasing the money.

Slow payers set the pace of my cashflow.

07

I quote on experience and gut feel.

I’ve never properly costed the job.

08

There’s nobody to ask.

I’m the one who’s meant to know.

09

My accountant tells me what happened.

But I have to decide what to do this week.

If you nodded along to a few of these, you’re not behind.

Nobody ever taught you how to financially manage a business. You’ve made it work with experience, instinct, your accountant and whatever’s in the bank. That works — until the business becomes too big to wing it.

And here’s the good news

Too Small to Need a CFO.

You don’t need a full-time CFO on the payroll. You need to understand your own numbers well enough to make the call yourself — on pricing, cash, wages and what to fix first.

That’s a skill you can learn. The EDGE Membership teaches it in plain English, one practical lesson a week.

Join The EDGE MembershipCancel anytime · $149/month incl. GST

We don’t replace your accountant. We make you better at running the business.

Your accountantThe numbers are right.
Your bookkeeperThe records are right.
The EDGE MembershipYou know what to do with them.
What’s included

Everything You Get — and What It Means for You

01
What you get

Weekly training and education

Know what to do next — not just what happened.

One practical lesson a week on running a business: pricing, cashflow, margins, wages, debtors and planning. Plain English, a worked example and a clear next step you can use straight away.

02
What you get

Live Q&As with Karen G. Adams, with recordings

Never stuck on your own with a question again.

Bring the quote, the number or the decision that’s bugging you and talk it through. Every session is recorded, so you can watch it back whenever suits.

03
What you get

A members’ community space

Stop being the only one who’s meant to know.

Business owners working on the same things. Ask the question, share what worked and keep each other moving.

04
What you get

The past lesson library

The right lesson, ready when the business needs it.

Every past lesson in one place. Pricing a big job? BAS coming up? Thinking about a hire? Go straight to the topic.

05
What you get

The EDGE Business Health Check — included

Know exactly where to start.

Score the business across Profit & Pricing, Cashflow, CEO Visibility, Systems & Freedom and Growth, and find the one area to fix first. It’s included with your membership.

All of this for $149 per month, including GST.
Billed every 30 days · Cancel anytime
How it works

One Method. Every Decision.

Every lesson follows the FM101 Method. Learn it once and use it on every decision.

1
SEE

Where the business really is

Profit, cash, margins, debt, capacity and team performance — the real picture, not the bank balance.

2
UNDERSTAND

What’s driving the result

Pricing, labour, productivity, customer mix, discounting and waste.

3
DECIDE

Turn information into a decision

Pricing, hiring, investing, what to stop and what to fix first — made on purpose.

4
ACT

Make it part of the rhythm

Build financial management into the weekly, monthly and quarterly rhythm of the business.

What that looks like on a real job

Fictional example, for illustration only: a $4,000 job costing $3,200 leaves $800 before overheads. If it runs a day over and those hours aren’t charged, a big slice of that $800 is gone — and the bank balance won’t tell you. Inside The EDGE Membership you learn to SEE it on your own jobs, UNDERSTAND why it happened, DECIDE on a price or a variation rule, and ACT on it from next Monday.

The shift

From Busy Operator to Confident CEO

From
Winging it
Bank-balance management
Overwhelmed
Reactive
Confused
Busy
Revenue chasing
Working harder
Business Operator
→
→
→
→
→
→
→
→
→
To
Running the business by the numbers
Financial management
Focused
Strategic
Confident
Productive
Performance driven
Leading better
CEO

It’s not about becoming an accountant. It’s about becoming the CEO of the business you already own.

Join The EDGE MembershipCancel anytime · $149/month incl. GST
Is it right for you?

Built for Business Owners Who Want to Grow

It’s for you if…

  • You’re in business, any business, and you want to know how to read your numbers with confidence
  • You want to understand what your numbers are telling you, so you can make better decisions
  • You want to grow a business that’s profitable, saleable and scalable
  • You want to keep building your business know-how with practical tips you can use straight away
  • You’re too big to wing it, but too small to need a full-time CFO
INCLUDED
The EDGE Business Health Check workbook by Karen G. Adams
Included with your membership

Start With The EDGE Business Health Check

Before you change a thing, see exactly where your business stands. Your membership includes The EDGE Business Health Check, so your first weeks start with the one area that will make the biggest difference.

  • Score five key areas: Profit & Pricing, Cashflow, CEO Visibility, Systems & Freedom and Growth
  • Get your EDGE Score out of 60, so you know where you sit and what to fix first
  • The Profit Leak Calculator: put a dollar figure on what pricing, unbilled time and slow payers are costing you
  • A 7-Day Reset plan: Reset, Rebuild, Reinforce, so you leave with clear next steps
  • About 20 minutes with an easy 11-page workbook
About The EDGE Business Health Check →
Meet your guide

Karen G. Adams

Small Business Performance Strategist · Founder, Financial Management 101

Good businesses, run by capable people, making big decisions off the bank balance. Not because they don’t care — because nobody ever taught them.

In 40 years in financial services, I’ve seen that pattern again and again.

That’s why I built the FM101 Method — and The EDGE Membership, so owners can learn it one week at a time, in plain English, alongside people who get it. I’m also the creator of The CEO Dashboard and The EDGE Business Health Check.

No jargon. No overwhelm. Just practical financial management.

Karen G. Adams signature
Karen G. Adams presenting The CEO Dashboard on a large screen
Join today

One Membership. Everything Included.

The EDGE Membership
Weekly training and education for business owners
$149
per month, including GST
Billed every 30 days · Cancel anytime
  • Weekly training and education on running a business
  • Live Q&As with Karen G. Adams, with recordings
  • A members’ community space
  • The past lesson library
  • The EDGE Business Health Check — included
Join The EDGE MembershipCancel anytime · $149/month incl. GST

The EDGE Membership is separate from The EDGE Small Business Program (6-week program).

Questions

Good Questions, Straight Answers

Is The EDGE Business Health Check included?

Yes. It’s included in your membership and it’s the best place to start, because it shows where the business stands today and the one area to fix first.

Is GST included in the price?

Yes. The EDGE Membership is $149 per month, including GST.

Can I cancel?

Yes. Your membership is billed every 30 days and you can cancel at any time.

I already have an accountant. Why would I need this?

Your accountant makes sure the numbers are right. The EDGE Membership teaches you how to run the business with them — what matters, what it’s telling you and what to decide next. It works alongside your accountant, not instead of them.

I’m not a numbers person. Will I keep up?

Yes. Everything is in plain English, with worked examples from real-world businesses. If you can read a quote, you can learn this.

What if I miss a live Q&A?

No problem. Every live Q&A is recorded, and the past lesson library is there whenever it suits you.

Will it work for my type of business?

Yes. It’s for anyone in business who wants to read their numbers and grow. Pricing, cashflow, margins and capacity apply whatever you sell and however big you are.

Is this the same as The EDGE Small Business Program?

No. The EDGE Membership is ongoing weekly training and education, billed monthly. The EDGE Small Business Program is a separate 6-week program.

How is this different from The CEO Dashboard?

The CEO Dashboard is a done-with-you build of a dashboard on your own numbers. The EDGE Membership is ongoing weekly training, education and community. Plenty of owners do both.

Is this financial advice?

No. The EDGE Membership is business education only. It isn’t financial, tax or legal advice. Talk to your accountant or a licensed adviser about your specific situation.

You’ve built a business that’s
Too Big to Wing It.Too Small to Need a CFO.

That’s exactly who The EDGE Membership is for.

Every Great Business Has an EDGE. Build Yours.

Weekly training, live Q&As and a community of owners learning to run the business by the numbers — not the bank balance.

Join The EDGE MembershipCancel anytime · $149/month incl. GST

P.S. Your membership includes The EDGE Business Health Check, so your very first step inside is to SEE where the business stands today — and start from there.

Karen x

Financial Management 101
Too Big to Wing It. Too Small to Need a CFO.

Perth, Western Australia

Contact

0430 348 933
[email protected]
financialmanagement101.com.au

Disclaimer: The EDGE Membership provides business education only. It is not financial, tax or legal advice, and it doesn’t replace advice from your accountant or a licensed adviser. Individual results will vary. Any examples are fictional and for illustration only.
© 2026 Financial Management 101 · Karen G. Adams
Join The EDGE MembershipCancel anytime · $149/month incl. GST