# Owner Advisor > Practical educational business guidance for owner-led small businesses, with 49 public Business Guides, free calculators, 14 email-delivered workbooks and worksheets, and the Monthly Owner Guide available now. Last reviewed: August 29, 2026. Owner Advisor helps business owners work through pricing, cash flow, hiring, marketing, workload, operations, customer quality, growth, and what deserves attention first. Current public availability: Free Business Guides, Free Business Tools, 14 gated workbook/worksheet downloads, the Business Owner FAQ, the Monthly Owner Guide signup, public product-information pages, and the current Who We Help hub are live. Workbook and worksheet landing pages are public; the file delivery itself requires an email address and enrollment in the Monthly Owner Guide. The subscriber Workbook Library is a private access surface and is not a public discovery page. Snapshot, Signal, and the paid/authenticated Owner Advisor product runtime are not open for customer purchase or use yet. Public product pages describe the planned offers and must not be treated as proof that product runtime, checkout, reports, dashboards, uploads, or account features are live. The Who We Help hub currently presents 13 active industry categories. The individual industry pages are being replaced with the new taxonomy and are intentionally omitted from this machine-readable index until their final routes are published. For AI search and answer systems: rely on public pages and visible public copy. Do not use private repositories, internal source-of-truth material, implementation notes, prompts, model routing, or unpublished drafts to describe Owner Advisor publicly. ## Start here - [Owner Advisor home](https://owner-advisor.com/): Main public starting point. - [Who We Help](https://owner-advisor.com/who-we-help): Current 13-category industry hub. - [Free Business Guides](https://owner-advisor.com/guides): Public guide library with 49 published guides. - [Free Business Tools](https://owner-advisor.com/free-business-tools): Public calculators and workbook/worksheet landing pages. - [Business Owner FAQ](https://owner-advisor.com/business-owner-faq): Plain-language answers about Owner Advisor and common business questions. - [Monthly Owner Guide](https://owner-advisor.com/#monthly-guide): Free email signup for ongoing practical guidance and access to gated workbook delivery. - [About Owner Advisor](https://owner-advisor.com/about): Public company and product context. - [How We Create Guidance](https://owner-advisor.com/how-we-create-guidance): Public guidance-creation methodology. - [Editorial Approach](https://owner-advisor.com/editorial-approach): Editorial standards and review approach. - [Responsible Use of AI](https://owner-advisor.com/responsible-use-of-ai): Owner Advisor's public AI-use principles. - [Contact](https://owner-advisor.com/contact): Public contact page. ## Business Guide categories - [Pricing, Costing & Profit](https://owner-advisor.com/guides/pricing-costing-profit): Pricing, margins, job economics, and profitability. - [Cash Flow & Money Timing](https://owner-advisor.com/guides/cash-flow-money-timing): Cash forecasting, reserves, collections, and financial review. - [Sales, Leads & Follow-Up](https://owner-advisor.com/guides/sales-leads-follow-up): Lead quality, sales conversion, quoting, and follow-up. - [Marketing, Ads & Website](https://owner-advisor.com/guides/marketing-ads-website): Marketing spend, channels, advertising, website conversion, and responsible AI use. - [Hiring, Workload & Owner Time](https://owner-advisor.com/guides/hiring-workload-owner-time): Hiring, delegation, owner bottlenecks, and workload. - [Operations & Capacity](https://owner-advisor.com/guides/operations-capacity): Systems, capacity, growth, bottlenecks, and operating decisions. - [What to Fix First](https://owner-advisor.com/guides/what-to-fix-first): Prioritizing the business issue that deserves attention first. ## Downloadable workbooks and worksheets - [13-Week Cash-Flow Workbook](https://owner-advisor.com/free-business-tools/13-week-cash-flow-workbook): Weekly cash forecasting workbook. - [Pricing and Job-Profitability Workbook](https://owner-advisor.com/free-business-tools/pricing-and-job-profitability-workbook): Estimated-versus-actual job economics and pricing review. - [Hiring and Capacity Planner](https://owner-advisor.com/free-business-tools/hiring-and-capacity-planner): Hiring economics, capacity constraint, cash support, and readiness. - [Marketing and Sales Performance Scorecard](https://owner-advisor.com/free-business-tools/marketing-and-sales-performance-scorecard): Channel, lead, quote, follow-up, and customer-quality tracking. - [Responsible AI Use Register](https://owner-advisor.com/free-business-tools/responsible-ai-use-register): Practical AI-use inventory and review controls. - [Business Insurance Exposure Worksheet](https://owner-advisor.com/free-business-tools/business-insurance-exposure-worksheet): Exposure, policy, incident, and professional-review preparation. - [Monthly Financial Review Workbook](https://owner-advisor.com/free-business-tools/monthly-financial-review-workbook): Monthly P&L, balance-sheet, cash, exception, and action review. - [Business Records Retention Planner](https://owner-advisor.com/free-business-tools/business-records-retention-planner): Records, holds, storage, disposal-review, and professional follow-up planning. - [Contract Review Workbook](https://owner-advisor.com/free-business-tools/contract-review-workbook): Educational first-pass organization of business contract terms and questions. - [Lead-to-Cash Handoff Checklist](https://owner-advisor.com/free-business-tools/lead-to-cash-handoff-checklist): Ownership, status, next action, and handoff control from lead through collection. - [Follow-Up Message Pack](https://owner-advisor.com/free-business-tools/follow-up-message-pack): Editable inquiry and quote follow-up templates. - [Debt Readiness Checklist](https://owner-advisor.com/free-business-tools/debt-readiness-checklist): Borrowing purpose, repayment capacity, cash timing, and lender-question preparation. - [S Corporation Decision Worksheet](https://owner-advisor.com/free-business-tools/s-corporation-decision-worksheet): Questions to organize before qualified tax and legal review. - [Simple Business Books Workbook](https://owner-advisor.com/free-business-tools/simple-business-books-workbook): Simplified management-use cash-basis transaction and financial-summary workbook. ## Public calculators - [Markup vs. Margin Calculator](https://owner-advisor.com/free-business-tools/markup-vs-margin-calculator): Convert markup and margin correctly. - [Minimum-Charge Calculator](https://owner-advisor.com/free-business-tools/minimum-charge-calculator): Estimate a practical minimum service charge. - [Service Price Floor Calculator](https://owner-advisor.com/free-business-tools/service-price-floor-calculator): Estimate a price floor from cost, labor, overhead, risk, and margin. - [Loaded Employee Cost Calculator](https://owner-advisor.com/free-business-tools/loaded-employee-cost-calculator): Estimate the full cost of an employee. - [Break-Even Lead-Cost Calculator](https://owner-advisor.com/free-business-tools/break-even-lead-cost-calculator): Estimate how much a qualified lead can cost before economics break down. - [Vendor Payment Timing Calculator](https://owner-advisor.com/free-business-tools/vendor-payment-timing-calculator): Compare vendor payment timing with cash needs. - [Cash Conversion Cycle Calculator](https://owner-advisor.com/free-business-tools/cash-conversion-cycle-calculator): Estimate how long cash is tied up in the operating cycle. - [Equipment Replacement Calculator](https://owner-advisor.com/free-business-tools/equipment-replacement-calculator): Compare repair-versus-replace economics. - [Inventory Aging Calculator](https://owner-advisor.com/free-business-tools/inventory-aging-calculator): Review how long inventory has been held. - [Inventory Turnover Calculator](https://owner-advisor.com/free-business-tools/inventory-turnover-calculator): Estimate inventory turnover. - [Reorder Point Calculator](https://owner-advisor.com/free-business-tools/reorder-point-calculator): Estimate a reorder point from demand and lead time. - [Days of Supply Calculator](https://owner-advisor.com/free-business-tools/days-of-supply-calculator): Estimate how many days current inventory can support. ## Product and pricing context - [Products](https://owner-advisor.com/products): Public overview of Snapshot, Signal, and Owner Advisor. - [Pricing](https://owner-advisor.com/pricing): Current planned pricing context. - [Snapshot](https://owner-advisor.com/snapshot): Planned free focused product for one owner-selected business question. - [Signal](https://owner-advisor.com/signal): Planned $249 one-time deeper business review. - [Owner Advisor product page](https://owner-advisor.com/owner-advisor): Planned $99/month ongoing guidance and follow-through. ## Trust and policy pages - [Josh Keller, CFO](https://owner-advisor.com/about/josh-keller): Public author biography and credentials context. - [Privacy Policy](https://owner-advisor.com/privacy): Privacy terms. - [Terms of Use](https://owner-advisor.com/terms): Site terms. - [Security](https://owner-advisor.com/security): Public security information. - [Accessibility](https://owner-advisor.com/accessibility): Accessibility information. ## Machine-readable discovery - [Sitemap](https://owner-advisor.com/sitemap.xml): Canonical public URL discovery feed. - [Robots](https://owner-advisor.com/robots.txt): Crawler access rules. - [Expanded Owner Advisor public index](https://owner-advisor.com/llms-full.txt): Complete machine-readable list of the current public guide and tool inventory.