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CFO Financial Dashboard

Diosana Group LLC (S-Corp) | Personal | CreekHouse Airbnb
CONFIDENTIAL -- Admin access only. This dashboard contains sensitive financial data. All figures are templates/estimates unless marked "verified". Update with actual QuickBooks/bank data monthly.
Last reviewed: Never
CFO Overview
Personal (JRD)
TPJG / Business
CreekHouse / Airbnb
Tax Planning
Total Revenue
$0
All entities combined
Total Expenses
$0
COGS + OPEX + Personal
Net Income
$0
Revenue - Expenses
Tax Reserve
$8,274
DG TAXES X5292/X6094
Quarterly Tax Est.
$0
Next payment due
PF Compliance
--
10/15/40/35 target

Rollup P&L Summary (Monthly)

Entity Revenue COGS/Expenses Net Income PF Compliance
TPJG Diosana Group LLC $0 $0 $0 --
Personal JRD $0 $0 $0 N/A
CreekHouse Airbnb $0 $0 $0 N/A
TOTAL $0 $0 $0 --

Monthly Revenue vs Expenses (12-Month Trend)

End of Month Processing Checklist

Progress saves automatically. Reset at start of each month.

    Knowledge References

    PLEX Guide Resource Library Profit First Allocations Financial Constitution Tax Consolidation IRIS/Fynanc Synthesis M1 Portfolios

    Income Sources (Monthly)

    SourceMonthlyAnnualNotes
    Owner's Compensation (W-2 Salary)$1,375$16,50040% PF via Paychex, net after 31.48% withholding = ~$962/net biweekly
    Shadow Loan Streams (6 active)$3,023$36,276SoFi x2, Discover, Citibank 0%, NLG FlexLife, BofA Corp CC
    M1 Dividends$218$2,6164.8% yield on $54,673 portfolio (target 8%)
    Bank Bonus Income$145$1,740Various bank bonuses / promos
    Total Personal Income$4,761$57,132

    Accounts

    BofA Primary Checking
    Checking
    TBD
    HW Sweep x6903
    M1 Sweep
    $98.61
    HW IRIS LOC x1791
    LOC @ 11.75%
    TBD
    HYCA 4.25%
    High-Yield Cash
    TBD
    M1 Finance x9138
    Investment
    $115,457
    HW Reserves Savings x9545
    Savings
    TBD
    Schwab Simplified x6856
    Retirement
    $20,815
    Schwab ROTH x6547
    Retirement (Roth)
    $14,317
    AuguStar/Constellation IUL
    Cash Value Life
    $62,744
    NLG FlexLife Policy
    IUL (NLG LS1918838)
    $17,900

    Personal P&L (Monthly Template)

    CategoryAmountNotes
    INCOME
    Owner's Comp (Net)W-2 net (pre withholding)
    Shadow Loan Income6 active streams
    M1 DividendsMonthly avg
    Bank BonusesPromos
    Total Income$4,761
    EXPENSES
    Housing (1605 Malvern)Rent / Mortgage
    UtilitiesElectric, gas, water
    Insurance (Personal)Auto personal portion, renter's
    Food / Groceries
    TransportationGas, maintenance, auto loan
    Health / WellnessRx, supplements, biohacking
    Subscriptions / EntertainmentStreaming, gym, misc
    Spa / Personal CarePer Joe's spending pattern
    Total Expenses$0
    NET INCOME (Personal)$0

    Personal Balance Sheet

    CategoryBalanceNotes
    ASSETS
    Bank Accounts (Cash)$21,700Personal cash (from Money Date 3/9)
    M1 Finance x9138$115,45719 holdings, $400 margin used
    Schwab Simplified x6856$20,815Retirement
    Schwab ROTH x6547$14,317Roth IRA
    AuguStar IUL Cash Value$62,744Premium $2,874.47/yr
    NLG FlexLife IUL$17,900LS1918838, $2K contributions
    Total Assets$252,933
    LIABILITIES
    HELOC x5919$161,803Was $312K Aug 2024. Target: $0
    Credit Cards (Discover, Amex DG)$51,500Incl TaxAlchemy $5K Amex
    M1 Margin$400$23,856 available
    Total Liabilities$213,703
    NET WORTH$39,230Money Date 3/9: $49,332 (recheck)

    Personal Monthly Cash Flow

    Entity Info

    Entity: Diosana Group LLC
    DBA: The Property Joes Group
    Election: S-Corp
    State: Texas (no income tax)
    Broker: Keller Williams Memorial
    Income Acct: DG INCOME CHK X6886

    Profit First Allocation

    10% P
    15% T
    40% COMP
    35% OPEX
    Bucket%AccountPurposeFixed Payload
    PROFIT10%DG PROFIT X2945/X6081Owner distributions, wealth buildingVariable
    TAXES15%DG TAXES X5292/X6094Tax reserve, quarterly estimatesVariable
    COMP40%DG COMP X2958Owner's compensation (W-2 salary)$16,200/mo
    OPEX35%DG OPEX X2961Operating expenses$13,291/mo

    Owner's Comp Fixed Payload: Employer Tax $1,224 + Employee Tax $3,432 + Net Take-Home $11,544 = $16,200

    OpEx Fixed Payload: Growth $4,291 (Buffini $2,240 + Marketing $2,051) + Debt $2,500 (HELOC-TPJG) = $6,791

    Revenue Sources

    SourceAvg/DealSplitNotes
    JRD Direct Commissions$13,500100% to PF$450K avg volume x 3% + $495/txn
    KLJ (Co-Lead) Deals$13,50070/30 (30% to PF)Target 3.0 units/mo
    DLO Deals$13,50060/40 (40% to PF)Target 2.08 units/mo
    EDE Deals$13,50060/40 (40% to PF)Target 1.0-2.0 units/mo
    SMT Deals$13,50060/40 (40% to PF)Target 1.0 unit/mo
    GAV Deals$13,50060/40 (40% to PF)Target 0.58 units/mo
    Toll Brothers (1099)Varies100% to PFSeparate 1099 from TB direct

    Revenue Formula: Volume x 3% + $495/txn - KW CAP (30% + 6% KWRI up to $2M) - $70 E&O - $10 KW Cares - Buyer $450 / Seller $750 OPEX

    JRD Monthly Production Tiers

    Minimum
    $1.5M
    $45,000 GCI
    Target
    $2.0M
    $60,000 GCI
    Stretch
    $2.5M
    $75,000 GCI

    Business P&L (Monthly Template)

    CategoryAmountNotes
    REVENUE
    JRD Direct CommissionsMinimum tier (adjust monthly)
    Team 30-40% Share~3 team deals x $13.5K x 30%
    Toll Brothers 1099When applicable
    Gross Revenue$0
    COGS (Agent Payouts)
    Team Agent Payouts (60-70%)70% of team deal GCI
    KW Cap / Royalty30% + 6% KWRI (until $2M cap)
    E&O Insurance ($70/deal)~4 deals x $70
    Total COGS$0
    GROSS PROFIT$0
    OPERATING EXPENSES (OPEX)
    Buffini CoachingMonthly coaching
    Marketing (LP + Homes.com)Luxury Presence $1,500 + Homes.com ~$551
    Virtual AssistantQBO 51560
    Labor / Payroll ProcessingW-2 wages, Paychex fees
    Software / TechQBO 64500
    HAR/MLS DuesQBO 65400, ShowingSmart, etc.
    Phone/Cell (AT&T)QBO 64100
    InternetQBO 64700
    Insurance (Business)$2,814/yr / 12, QBO 69000
    Health Insurance (S-Corp)$5,508/yr / 12 (1040 Line 17)
    HELOC Payment (TPJG/DG LLC)$2,500/mo — Diosana Group LLC portion
    Total OPEX$0
    NET INCOME (Business)$0

    HELOC Debt Destruction Tracker

    Starting Balance
    $312,000
    August 2024
    Current Balance
    $161,803
    48% destroyed
    Monthly Payment
    $3,500
    TPJG $2,500 + CreekHouse $1,000
    Months to Zero
    ~18
    At $9K/mo base
    48% Paid Down

    Profit First Allocation (Visual)

    Property Details

    Address: 1814 Creek
    Type: Airbnb Rental
    Revenue: ~$2,500/mo
    HELOC Split: TPJG $2,500 + CreekHouse $1,000 = $3,500/mo
    Target: Close/payoff by Oct 2026
    Monthly Revenue
    $2,500
    Airbnb income avg
    Monthly Expenses
    $0
    All costs
    Net Cash Flow
    $0
    Monthly
    Property Tax (Annual)
    $3,198
    County $2,448 + $750

    CreekHouse P&L (Monthly)

    CategoryAmountNotes
    REVENUE
    Airbnb Gross RevenueMonthly avg
    Total Revenue$2,500
    EXPENSES
    Property Taxes$3,198/yr / 12
    Insurance (Property)$290.83/mo
    HELOC Payment (CreekHouse)$1,000/mo — CreekHouse portion
    UtilitiesElectric, water, gas
    Cleaning FeesPer turnover avg
    Maintenance / RepairsMonthly avg
    Airbnb Host Fees3% of gross
    Supplies / ConsumablesToiletries, linens, etc.
    Total Expenses$0
    NET INCOME (CreekHouse)$0

    CreekHouse Balance Sheet

    CategoryBalanceNotes
    ASSETS
    Property Value (Estimated)TBD1814 Creek appraised/market value
    Furnishings / EquipmentTBDDepreciable assets
    LIABILITIES
    HELOC (CreekHouse Portion)$40,451CreekHouse share of HELOC balance
    Mortgage / PITITBDIf applicable

    CreekHouse Monthly Cash Flow

    S-Corp Salary
    $30K/yr
    W-2 via Paychex
    Withholding Rate
    31.48%
    Fed $7,149 + FICA $2,295
    Tax Reserve (15%)
    $8,274
    DG TAXES X5292
    Last Q Payment
    $8,000
    Q3 2025 via EFTPS
    TaxAlchemy Enrolled
    $50,000
    $45K HELOC + $5K Amex
    Film Deduction
    $200K
    Immortals Film planned

    Quarterly Tax Estimator

    LineAmountNotes
    Annualized 1099 Income (Business)2025 YTD was $326K through June
    Annualized Airbnb Income$2,500 x 12
    Investment Income (Dividends)M1 $218/mo x 12
    Total Gross Income$0
    Less: Business DeductionsOPEX + COGS + depreciation
    Less: S-Corp Health Insurance1040 Line 17
    Less: SEP-IRA / RetirementIf contributing
    Taxable Income (Est.)$0
    Effective Tax Rate (Est.)% — Federal + SE combined
    Annual Tax Liability (Est.)$0
    Less: W-2 Withholding31.48% of $30K salary
    Remaining Tax Due (Annual)$0
    QUARTERLY PAYMENT$0Divide by 4, pay via EFTPS
    Payment Schedule: Q1 (Jan-Mar) due Apr 15 | Q2 (Apr-Jun) due Jun 15 | Q3 (Jul-Sep) due Sep 15 | Q4 (Oct-Dec) due Jan 15

    TaxAlchemy Strategic Deductions

    StrategyAmountStatusNotes
    TaxAlchemy Enrollment$50,000ENROLLED10/22/2025 — $45K HELOC + $5K Amex. Repay from 2025 tax refund.
    Immortals Film Deduction$200,000PLANNED$54K invested, $200K deduction via accelerated depreciation/production credits
    IUL Premiums (S-Corp)$2,874REVIEWAuguStar premium — check deductibility through S-Corp structure
    Home Office DeductionTBDREVIEWSimplified method: $5/sq ft up to 300 sq ft = $1,500 max
    Vehicle Mileage / AutoTBDREVIEW2026 rate: $0.70/mile (business use %). Track with MileIQ or similar
    Business Meals (50%)TBDTRACKINGKeep all client meal receipts — 50% deductible
    Professional Development~$5,000ACTIVEFynanc, Buffini, KW training — 100% deductible
    Marketing (100% Deductible)~$24,600ACTIVELP $1,500 + Homes.com $551 = $2,051/mo x 12
    Software / Technology~$7,032ACTIVE$586/mo x 12 — all business software subscriptions

    Karlton Dennis (TaxAlchemy) Framework

    Maximize Business Deductions FIRST

    Every expense should flow through the S-Corp before becoming personal. Business deductions reduce taxable income dollar-for-dollar.

    S-Corp Salary Optimization

    Reasonable comp ($30K) vs distributions. SE tax only on salary, not on pass-through. Q1 Mirage: front-loaded payroll taxes drop after SS cap.

    Entity Structure Optimization

    DG LLC (S-Corp) protects personal assets. Texas: no state income tax, but franchise tax on margin. Layer entities for asset protection.

    Strategic Debt for Wealth

    Fynanc-aligned: HELOC interest (investment portion) deductible IRC 163. Shadow loans fund IRIS/PLEX capital amplification. Debt destruction = #1 mandate.

    IRMAA Warning

    Goals beyond Survival Minimum trigger Tier 4 Medicare IRMAA Surcharge. Tax strategies (15% Tax bucket) are mandatory to protect net cash flow. Monitor AGI thresholds carefully with TaxAlchemy.

    Tax Calendar / Key Dates

    ItemFrequencyMethodNotes
    Quarterly Estimated TaxApr 15, Jun 15, Sep 15, Jan 15EFTPSFrom DG TAXES or COMP acct
    W-2 Payroll WithholdingBiweeklyPaychex$30K/yr salary, ~31.48% withholding
    Texas Franchise TaxAnnual (May 15)ComptrollerBased on taxable margin. No-tax threshold $2.47M
    CreekHouse Property TaxAnnualCounty$3,198 ($2,448 + $750)
    S-Corp Return (1120S)Annual (Mar 15)CPA / TaxAlchemyK-1 flows to personal return
    Personal Return (1040)Annual (Apr 15)CPA / TaxAlchemy1099-NEC + K-1 + W-2 + Sch E
    CFO Financial Dashboard — Diosana Group LLC • Prepared by Cadence • Confidential
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