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Meet Michelle
I was born to be an accountant. The signs were there from a young age. I've always thrived on structure, order and attention to detail making me well suited for a discipline rooted in organization, financial analysis and accuracy.
Do you remember that grade school project where you had to answer questions about yourself and your family?
When I was in the 3rd grade, I filled out one of those booklets and boldly declared that the birthday gift I wanted most of all was “Money!!!!” (yes, with four explanation marks).
​​​​​​​​​​​​For as long as I can remember, I liked making money, learning about money and managing money.
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A person's financial journey begins in childhood with birthday money and gifts from relatives, develops through the teenage years with side jobs and part-time work and continues into young adulthood, then into adulthood, family-building and career growth, and ultimately into retirement.
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For many of us, certain phases of life bring financial challenges, especially early in our careers, when we’re striving for independence, building experience, advancing our income, and trying to keep up with the bills.
That's why it's so important to learn how to manage money early, so we're equipped to handle's life's inevitable financial ups and downs. Regardless of how much or how little we earn, everyone (children included) needs a plan for their money. ​​​​​
​​My budget process focuses on an organized system that ensures bills are paid on time, savings are funded and you're planning ahead for retirement and emergencies at every stage of life.
​A budget allows YOU to decide how you want to spend and save your money.
​I offer in-person office and online consulting sessions where I teach you how to budget like me, a CPA!
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​In addition to one-on-one consulting services, I founded Elite Cash Flow Products, LLC, designing practical and elegant tools that help you take control of your money with ease. Each product simplifies budgeting and financial tracking, perfect for busy lives.
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Our easy-to-use ELITE BUDGET WEB APP includes:
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A Budget Summary and Budget Detail Report
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All reports and accounts are available by Individual, Partner, Joint or Household
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A “One-Number Focus” tracker
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A handy checklist of all budget obligations
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A Joint Budget Split Calculator for couples
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Provides an Extra Pay Dates Calendar for automatic savings or debt reduction (if you are paid weekly or bi-weekly)
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A checkbook register for every bank account
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A real-time Net Worth Report
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Any update(s) you make to your Income, expenses, debt, retirement, savings or assets will automatically update your budget, net worth and checklist.
The Budget App is accessible anywhere with Wi-Fi from any device (laptop, tablet or cell phone). There is nothing to download.
​I also offer three beautifully crafted LUXURY CHECKBOOK REGISTERS designed to make hands-on, pen to paper financial tracking both stylish and practical.
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A Message from the Heart
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I’m a breast cancer survivor, diagnosed in Oct 2022. I endured chemotherapy, two surgeries, and radiation treatments to beat it.
A cancer survivor is defined as someone living with cancer, living through cancer, and living beyond cancer. It begins at diagnosis and continues during treatment and through the rest of the person’s life. That journey has strengthened my faith and my mission.
To honor that, I’m offering SPECIAL PRICING for ALL fellow cancer survivors. All you have to do is complete any of the contact forms. Be sure to include the product or service you are interested in, and I'll follow up with the details.
​We are blessed in order to be a blessing. Every skill, every resource, and every opportunity is meant to be shared for God’s glory.
When we use our gifts to lift others, we honor Jesus, who is the true CEO of my companies and the source of all my blessings.​​​​​
​Be a blessing. It’s a beautiful way to say thank you to Jesus.
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“As each one has received a gift, minister it to one another, as good stewards of the manifold grace of God.” 1 Peter 4:10 (NKJV)
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I look forward to serving you. ​​​​
​Michelle Romero, CPA
Founder of Elite Cash Flow™Consulting​​​