DWM — Financial Command Center

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DWM Cancelled $0/mo Merged $0/mo Paused $0/mo Downgraded $0/mo Freed $0/mo Annual savings: $0

Dominate Web Media · Prepared for Joakim / WWWS

Financial Command Center

115 Chase statements · 4 accounts · December 2023 – June 2026 · Linda Schwartz, CEO

2026 Run-Rate

$343K

gross deposits, annualized

Liquid Cash

<$700

across all 3 checking accounts

Card Debt

$14.5K

over limit · 26.49% APR

Interest Burned

$7,966

since Dec 2023 (~$330/mo)

Section 1

Revenue Trend — Operating Account ...8372

2024 full year

$895K

2025 full year

$558K

2026 annualized

~$343K

Gross deposits include inter-account transfers — true revenue is lower. But the cleanest signal is trending the other way: Stripe deposits 2026 YTD ($42.6K) already exceed all of 2025 ($34.8K). The decline may be bottoming out.

Section 2

Cash Position

Chase ...8372

DWM Operating

Performance Business Checking

$490.42

The Real Account

Chase ...1758

DWM Secondary

Business Complete Checking

-$10.88

Legacy / Pass-through

Chase ...0142

Keith Personal

Total Checking

$200.86

Personal

Chase ...7276

Keith Business Card

26.49% APR · $14,500 limit

-$14,548.66

Over Limit

Acct ...5216

UNKNOWN

Receives transfers from 3 accounts

Identify!

Section 3

Red Flags

🔥Card ...7276 is over its limit with two returned payments in April 2026 — autopay pulls from an account that runs empty.

💸$1,468 in bank fees hit the operating account in May 2026 alone — wires? overdraft cascade? merchant services? Needs an answer.

🏦A Collection Bureau is being paid $108/month from the operating account — identify the underlying debt and settlement options.

📑DWM transfers regularly to Keith's personal account — must be classified (salary / draw / loan) for retro tax filings. IRS passport revocation makes this urgent.

❓The "Advertising and Sales" vendor — ~$19.9K total, ended Apr 2025 — Keith needs to identify it.

🧾Personal spend commingled on business accounts (travel, storage, food, fitness) — the CPA needs the split documented.

Section 4 · Sorted by next charge

Renewal Radar

⚡ Google Ads ($631/mo avg) is usage-based — a ~$160 bill on the 1st plus $500 threshold charges that can hit ANY day spend accumulates. Pausing campaigns matters more than a cancellation date.

Section 5 · Interactive

Subscription Decision Matrix

Every active recurring charge across all four accounts. Click KEEP, PAUSE, DOWNGRADE, CANCEL, or MERGE on each row — the savings calculator updates live and your decisions are saved in this browser. Pause is for tools you'll need again (e.g. keep dormant during a GHL migration). Downgrade is for tools worth keeping on a cheaper or free tier (Slack, Miro, Trello, Lucid) — savings are estimated at 50% until you note the real new price. RENEWS = typical charge day; cancel before that date to avoid another cycle. Linda facilitates all cancellations.

Projected Savings From Your Decisions

Paying Now (all subscriptions) $0

→

Projected After Cuts $0

Cancelled / mo

Merged / mo

Paused / mo

Downgraded / mo (est.)

Total Freed / mo

Per Year

0 of 41 subscriptions decided

Section 6

Team & Contractor Payments (Zelle)

People paid regularly who then stopped may be owed money — cross-reference with the 1:1 team calls for the debt schedule.

Kevin Lynman$89,57821 payments · DWM Operating · biggest contractorAug 2024 → May 2026Active

Jeff Wyborny$18,25014 payments · DWM accountsJun 2025 → May 2026Active

Thomas Kranc$13,30027 payments · Keith personal · family — document purposeJan 2024 → May 2026Active

Josh Lannan$8,0003 payments · DWM Operating · owed money?Jan → Feb 2024Stopped

Victoria$3,3002 payments · DWM Operating · owed money?Aug → Nov 2024Stopped

Scott Goodwin$1,2155 payments · Keith personalMar → Jul 2025Stopped

Caroline$1,1301 payment · DWM OperatingApr 2024Stopped

Quincy Westbrook$4118 payments · Keith personalMar → Nov 2025Stopped

⚖️ Outstanding Debts & Disputes

Known money owed outside the Zelle payment history — verbally reported, not yet in the statements. These belong in the debt schedule for Joakim & the CPA.

Peter $20,000 Suing for backpay — lawsuit pending. Confirm exact amount, status, and counsel involved. Lawsuit Pending

Jeff Wyborny TBC Repayment plan agreed to, but has not started. Also an active contractor (see above). Confirm amount & start date. Plan Not Started

Total outstanding disputes: $20,000 + Jeff Wyborny (TBC)

Section 7 · Check off as answered

Open Questions for the Handoff Meeting

Section 8

First Actions — Weeks 1–2

WWWS takes over bill payment for the operating account (...8372) — all real activity lives there.

Kill the 26.49% interest: balance transfer or payoff plan for card ...7276. Fastest ROI available.

Subscription consolidation sweep using Section 4 — decisions marked together; Linda facilitates all cancellations.

Move all personal subscriptions off business accounts — clean break for bookkeeping & taxes.

Identify account ...5216 and the Collection Bureau debt.

Engage CPA for retro filings — brief them on DWM→personal transfers and commingled spend.

Section 9 · Auto-saved in this browser

Meeting Notes

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