Newsletter: January 2026
You’ve just stepped into another moment of clarity ☁️
Welcome back to
Financial Insights with Lozelle!
What Had Our Attention This Month:
✨Where Our Energy Went
This month, our energy went into reading about mindset.
Specifically, how to keep a growth mindset even when life throws you a curveball. Because here’s what we see all the time. Two practice owners can be sitting on the same amount of revenue and react completely differently to their next big financial move. One keeps delaying because the timing never feels right. The other reviews their margins, looks at the forecast, and makes the call.
The difference isn’t the numbers. It’s how they think about the numbers.
So we’ve been reading up on what separates the two, especially when the business is ready to grow and the practice owner is the one hesitating.
🍃Thoughtful Reads for Your Practice
It’s a Hard Knock Life Without a CFO: Stop Getting Tricked By Your Therapy Practice Finances
❝Insurance reimbursements lag by weeks or months, but payroll hits like clockwork(…) CFO services for mental health providers focus on cash flow management: building rolling 12-month forecasts that show exactly what’s coming in, what’s going out, and when the crunches hit.❞
Med Spa Hiring Decisions: When to Add a Laser Specialist
❝At your revenue level, a dedicated body contouring specialist or laser technician makes sense, but only if slower months support 60-70% utilization. Otherwise you’re subsidizing an empty treatment room eight months a year to solve a six-week capacity problem.❞
🌿Mindful thought of the month
You probably do need that hire.
A $1.2M med spa with maxed-out injectors juggling laser services is leaving money on the table and wearing out your best providers. But January is the month that convinces practice owners to add significant overhead based on five weeks of data. February is the month that makes them regret it.
Make that decision in April. By then you’ll know if Q1 demand held or if January lied to you like she does to everyone else. The smart move isn’t saying no to growth. It’s timing that growth to your actual revenue pattern, not your best month’s fantasy. That’s what it looks like to lead your practice with the same intention you bring to patient care.
🔍 Forensic Friday
A practice manager added a vendor that didn’t exist.
A practice owner brought us in to clean up their books before tax season. Nothing dramatic, just a mess that needed organizing. While reviewing accounts payable, we noticed two vendor entries for what looked like the same medical supply company. Almost identical names. One had a slightly different spelling and a PO Box instead of a street address. The payments to the second vendor had been going out monthly for over a year.
When we pulled the invoices, the amounts were small enough to look routine. Nothing that would make anyone look twice during a busy month. But the second vendor? It didn’t exist. The practice manager had created it, approved the payments, and because nobody else was reviewing the vendor list, it just kept going.
By the time we caught it, the practice had paid out over $40,000 to an account the practice manager controlled.
🚩 The Red Flag: Pull your full vendor list today and look for duplicate or near-duplicate names. If two entries look like they could be the same company, find out why.
Fraud doesn’t announce itself. It hides in trust.
📖 Get our latest eBooks!
Running a health and wellness business takes heart, intuition, and grit, but it also takes clarity.
That’s why we created industry-specific e-books for medical spas and aesthetic practices, holistic and medical clinics, day spas and massage therapists, chiropractic and wellness centers, yoga and Pilates studios, mental health counseling and specialized therapy, fitness and gym centers, physical therapy and rehab clinics, and dental practices. Each guide tackles the stuff you’re dealing with. The cash flow stress. The bookkeeping gaps. The operational chaos. The fraud risks that slip into busy, fast-moving wellness businesses.
Choose the e-book that matches your world and the way your business actually runs. Let it meet you exactly where you are, whether you’re scaling, stabilizing, or finally ready to understand your numbers.
Note: by downloading one or multiple ebooks, you’re agreeing that you won’t copy and/or distribute its content without permission.
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