Build the year. Buy back the time.

7 decisions · one operating plan

2027 planning season

Turn your income goal into a week you can actually run.

Reverse-engineer the production, tax reserve, compliance work, prospecting load and marketing output behind your number—then see where a system gives you hours back.

0 hrs potential weekly capacity recovered as your plan takes shape

Step 1 of 7Income math

01 / Income math

What does your number demand on an ordinary Tuesday?

Start with GCI, then reverse the funnel all the way back to daily conversations. Every ratio stays editable because your market—not a generic benchmark—should run the model.

2027 GCI goal

Average commission per closed side

Working weeks in 2027

Prospecting days per week

Edit the conversion assumptions

Contact → appointment %

Appointment → signed client %

Signed client → closing %

Closed sides needed30annual

Real contacts needed11 / dayat your conversion ratios

Appointments needed1.6 / wkworking weeks only

02 / Tax reserve

Keep the tax bill from becoming a surprise.

This is a cash-reserve scenario, not a tax return. Set an effective reserve rate with your CPA, then turn it into a weekly habit and a quarterly funding target.

Current tax/entity setup

Expected business income

Estimated business expenses

Planning reserve rate confirm with CPA

Modeled net before tax$190Kincome less entered expenses

Annual tax reserve$57Kplanning estimate only

Move to tax account$1,188per working week

Spring

April 15, 2027
$14,250 target

Summer & fall

June 15 + Sept. 15, 2027
$14,250 each

Final installment

Jan. 15, 2028
$14,250 target

Advertising and listing media
MLS, association and licensing dues
Mileage or actual vehicle records
Home office, if eligible
Insurance and professional fees
Software, CRM and subscriptions
Education, coaching and conferences
Contractors, equipment and supplies

Educational planning only. This simplified reserve ignores filing status, payroll, credits, limits, deductions and changing tax law. It is not tax, legal or accounting advice. Confirm entity treatment, reserve percentage and payment dates with a qualified CPA or tax professional before acting.

03 / Entity check

Is your structure still right for the business you are building?

The right question is not “Which entity is best?” It is “At my expected profit, does a different structure create enough benefit to justify payroll, bookkeeping and compliance?”

Current legal/tax structure

Expected net profit before owner pay

Edit the planner’s review trigger

Profit level that triggers a CPA structure comparison This is your planning flag, not an IRS threshold.

Current structureSole prop

Structure reviewPriorityplanner flag, not advice

First conversationCPA + payrollmodel total annual cost

Sole proprietor

Simplest operation. Ask what changes after adding liability structure, payroll and compliance costs.

LLC

A legal wrapper does not automatically change federal tax treatment. Confirm how yours is classified.

S-corp election

Model reasonable compensation, payroll, bookkeeping, state costs and the filing timeline before electing.

Entity formation and tax elections have legal and tax consequences. Use this section to prepare questions for your attorney and CPA—not to choose or change an entity on your own.

04 / License calendar

Put renewal work on the calendar before it steals a weekend.

California defaults to 45 continuing-education hours for most salesperson and broker renewals. Change the state or hours to match your license and confirm your exact requirement with the issuing agency.

License jurisdiction

License renewal date

CE hours required

CE hours already completed

Countdown—from today

CE hours remaining45

Required pace—hours per month

05 / Operating cadence

Can the hours you have support the result you want?

Model your lead-generation engine, then compare required activity with the time you are truly willing to protect every week.

Primary prospecting method

Hours available for lead generation / week

New leads or contacts per prospecting hour

Manual follow-up hours / week

Edit funnel and automation assumptions

Lead/contact → conversation

Conversation → appointment

Appointment → client

Client → close

Share of follow-up time a system could handle

Lead-gen capacity needed—per week

Capacity gap—required minus available

Follow-up time recoverable—per week

Daily

—

Weekly

—

Monthly

—

06 / Cost of inaction

Put a price on slow follow-up and low-value admin.

These are scenario calculations—not promises. Use your own assumptions to see where dormant relationships, response delay and manual work may be absorbing commission and time.

People in your database

Average lead response time

Admin hours per week

New inbound leads per month

Edit the scenario assumptions

Database transaction rate / year

Share you could capture with consistent nurture

Fast-response lead close rate

Conversion retained at your current speed

Share of admin time a system could handle

Database commission opportunity—annual scenario

Speed-to-lead exposure—annual scenario

Admin time burn—value of hours / year

07 / Marketing execution

The plan is easy. Producing it every week is the cliff.

Set a credible publishing rhythm. The planner will show the output and execution time behind it—then you decide whether to carry the workload or hand it to a system.

Feed posts per week

Short videos per week

Database emails per month

Production time a content system could remove

Edit execution-time assumptions

Hours per finished post

Hours per finished short video

Hours per email

Scheduling/reporting hours per week

Annual content volume—posts + videos + emails

DIY execution load—hours per week

Potential time recovered—hours per week