Business Cents

Hosts Melissa Terito, CPA and Lloyd Johnson, CPA explore a business skill that every leader struggles with at some point: delegation.

From the small “30-second tasks” to major client deliverables, they break down why letting go is not dumping work—but a strategy to grow capacity, empower people, and reduce mental load. With candid stories and step-by-step strategies, they show how delegation becomes a daily practice that frees leaders and builds stronger teams.

In this episode, you’ll learn:

• Why delegation is never “one and done”—it evolves as you grow

• How even simple handoffs (like stapling deliverables) create trust and empowerment

• The hidden costs of “just doing it yourself” in both time and mental energy

• Practical frameworks for moving from compiling → preparing → presenting

• How SOPs, video, and feedback loops make delegation stick

• The balance between investing training time and reaping exponential returns

Try these action items:

1. Do a simple time study: brain dump what you worked on today (or track in 15-minute increments) to spot tasks that could be handed off.

2. Pick one or two items to delegate this week. Create a quick SOP—record a Loom, make voice notes, or draft a simple checklist—to guide your team.

Next up: Who should you delegate to? The “who” matters just as much as the “what”—and we’ll tackle that in the next episode.

Connect with us:

• Lloyd Johnson⁠
• ⁠Melissa Terito

Hosts Melissa Terito, CPA and Lloyd Johnson, CPA dig into a topic Melissa keynotes often: boundaries. From shifting out of constant reactivity to protecting deep-focus time, they share candid stories (including Melissa’s turning point with burnout) and practical moves any owner or leader can start this month.

In this episode, you’ll learn:

• Why “freedom lives in structure” for entrepreneurs and teams
• How to move from inbox triage to a proactive week
• Simple time boundaries: quit after-hours email, stack meetings, avoid the random 15-minute derailers
• Calendar tactics: block “on-the-business” days and dedicated team-access blocks
• What to say “no” to and how to delegate instead
• How setting expectations with clients preserves service quality and sanity

Try these action items:

1. Look out 30 days and block one "deep focus" day (or two half-days) and one recurring team block each week.
2. Review commitments: evaluate your nonessential after-work commitments; protect deep work by rescheduling "quick" calls into your stacked blocks.

Next up: Delegation — why it’s not dumping, common myths, and how it grows people and capacity.

Connect with us:

• Lloyd Johnson
• Melissa Terito

Welcome to the very first episode of Business Centswith hosts Lloyd Johnson and Melissa Terito, CPAs and partners at Faulk & Winkler. In this kickoff conversation, Lloyd and Melissa dive into one of the biggest challenges business owners face: cash flow management.

They break down why billing practices matter, how to structure payment terms to reduce reliance on lines of credit, and practical steps to make sure you’re getting paid on time. From upfront deposits to streamlined invoicing systems, they share real-life examples and lessons learned—both from running their own firm and working with clients across industries.

By the end of this episode, you’ll walk away with:

• Two key action items to strengthen your cash flow.
• Strategies for setting client expectations up front.
• Practical ways to make it easier for customers to pay you.

If you’ve ever felt like you’re constantly chasing paymentsor struggling to stay ahead financially, this episode is packed with insights to help you take control.

Connect with us:

• Lloyd Johnson
• Melissa Terito

Be sure to subscribe so you don’t miss our next episode,where Melissa leads a discussion on boundaries in business—and why freedom resides within structure.