Budget Builder · A Live , Two-Session Workshop
You don’t need to be an expert to run a successful business. You just need the right guide
Across two live online sessions, we’ll guide you as you build a practical operating budget for 2027 - one you understand, can question, and will actually use
By donation, starting at $1 · 20 seats, first come, first served
WORKSHOP DETAILS
Tue, Nov 10 &
Tue, Nov 17, 2026
Both sessions build on each other
1:00pm - 2:30pm Eastern
8:00am - 9:30am Hawai'i
Live online
By donation, starting at $1
Budget Builder Worksheet included
Capped at 20 seats - first come, first served
For businesses with annual revenue up to $500K and nonprofits with annual operating budgets up to $500K. Plan now, and walk into January 2027 with your budget already built
You’ve been carrying a lot. And you’ve kept showing up.
You’ve made hard decisions, served your customers, and kept the work moving. Budgeting is a skill you can build, with guidance that makes sense for your business - and you don’t need a finance background to start.
Budget Builder is the room where you learn it. You bring what you know about your business. We bring the guidance, the tools, and dedicated time to work through the numbers together
It doesn’t matter how long you’ve been in business
If you’ve just started and are working hard to get off the ground, building your budget is exactly what you need to be doing right now. And if you’ve been at it for years, it’s never too late to plan with clarity
Do you know what your business needs to provide for your life?
Most owners have never put a number on it. That number is where we begin
Is your pricing able to get you there?
We test your current prices and offers against the goal, so you stop guessing
Which decision would you test first?
A hire, a price change, a new offer. A budget lets you see it before you spend on it
What we'll work on together
You leave with something built - not just something learned.
Every participant works in their own copy of the Budget Builder Worksheet during the live sessions, filled in with their own numbers — and keeps it. Here’s what you’ll build, step by step.
01.
Your life-first number
What your life actually costs, and what your business needs to provide for it. Every other number gets its purpose from this one
02.
A revenue target with real math behind it
Your expected income and expenses in one practical operating budget, and a clear view of the assumptions holding it up.
03.
Pricing and offers that fit the goal
See whether your current prices make the math work, and simplify your offerings into a few clear categories you can actually sell.
04.
A 12 month plan - and the habit to keep that current
A plan we pressure-test together, plus a simple monthly review routine you can use to keep your budget current
For non-profit leaders: we’ll connect program priorities, staffing, and operating costs to the resources your mission requires
I liked the breakdown of what I actually need to look at from the bookkeeper. I got clarity by going through what my offerings were and where I want to go.
Marina · Budget Builder participant
"I love seeing what is possible, the promise of actual possibilities & feasibility - that it’s not just a pipe dream. I’m having greater clarity as to what that will look like.”
Janina · Budget Builder Participant
Life first
How do you want your life to feel?
Think about why you started — the work you wanted to do, the people you wanted to serve, the life you hoped this business would support. Those reasons belong in your financial plan. So that’s where we begin: with your life, then the business that funds it.
Now picture opening your budget and being able to say:
"I understand how this works. I can see what needs attention"
That’s not a feeling you have to wait for. It’s a skill you can build - in two sessions, with people building alongside you
Why now
2027 is right around the corner.
The best time to plan a year is before it starts. Do the planning in November, and you hit the ground running on January 1 - prices set, offers clear, a plan you’ve already tested.
Wait, and planning tends to slide into the holidays, then into the first busy weeks of the new year. Two sessions now gives your whole year a head start.
20
seats in this cohort
First come, first served. We keep it small so every participant gets real attention.
How the workshop works
Built So You Arrive Ready To Work- Not Ready To Listen
Short videos cover the concepts on your own schedule. Live time is saved for your real numbers, real questions, and real decisions
Before · Video
Pre-work
About 20 minutes. Set up
your business and personal separation and learn the three P&L numbers worth watching
Tue , Nov 10 · Video
Session 1: Foundation
Find your life-first number, see why cash flow matters more than revenue, and start your revenue mode
Between · Video
Pre-work
About 20 minutes. Calculate what a loyal client is worth and start your 12-month plan.
Tue , Nov 17 · Video
Session 2: Decisions
Set your pricing, simplify your offers, pressure-test your plan, and leave with three actions for the next 30 days
Pay What you can
Let’s take price out of the equation
Budget Builder is a $1,997 workshop, including the Budget Builder Worksheet. We offer it by donation only, Pay-what-you-can, because price should never be the thing standing between you and a strong start to 2027. Choose a contribution that works for you, starting at $1. Every participant receives both live sessions and the Budget Builder Worksheet.
At PIKO, we know that what got you into business is different from what keeps you going. A support system and strong infrastructure make the difference through the peaks and valleys. A budget - a real game plan - builds clarity, confidence, and speed in your decisions.
The most valuable gift you can give yourself is time to work on your business - to make dedicated time to plan what comes next
your donation
Any amount,
starting at $1
Give what you can. Every participant receives the full workshop, whatever they give
100% of your donation goes to the Scholarship Fund Youth Entrepreneurship
Helping young founders build skills of their own
Budget Builder Worksheet included
Every registration includes the worksheet you’ll build your budget in during the sessions - and keep using all year
Is this the right room for you?
Budget Builder is for you if…
- You run a business with annual revenue up to $500K, or a nonprofit with an annual operating budget up to $500K
- You’re at any stage - whether you’ve been in business for years or you’re just starting out and working to get off the ground
- You want a plan you understand, built around the life your business supports
- You’re working hard and want to know the business is working for you too
- You’ve never had a CFO or a budget that made sense for your organization
- You want your business designed around your life, not the other way around
It’s probably not the right fit if…
- You’re looking for tax advice, bookkeeping help, or accounting-software training
- Your business has annual revenue above $500K, or your nonprofit has an annual operating budget above $500K book a discovery call and we’ll talk through the right support for where you are
- You can’t attend both sessions — this workshop works best when you bring approximate numbers and take part in both
Your Plan Doesn't have to be perfect. it has to be yours
Bring one real question about your business, set aside both sessions, and build a working budget you can use as 2027 begin
Tue, Nov 10 & Tue, Nov 17, 2026 · 1:00–2:30 p.m. ET / 8:00–9:30 a.m. HST · Live Online
By donation, starting at $1 · 100% to the Youth Entrepreneurship Scholarship Fund · 20 seats
Your facilitator
Kalani Ho-Nikaido
Executive Director, PIKO Legacy Foundation · Certified High Performance Coach
Kalani has spent more than two decades in financial leadership - from the Waldorf-Astoria to Maui Land & Pineapple and Hoʻaloha Nā ʻEhā — and today advises companies generating millions in annual revenue. In Budget Builder, she brings that same thinking to where your business is right now, and works through real participant numbers live.
Her own turning point came at a workshop in 2007, when she decided to get serious about her finances. Her approach connects financial planning to the life, work, and responsibilities participants want their businesses to support — which is why Budget Builder starts with your life, not a spreadsheet.
Not Ready to Join the Workshop Just Yet?
You can still take a powerful step toward financial clarity. Sign up today to get our free guide: The 3 Reports Every Business Owner Must Know
3 Ways PIKO Can Strengthen Your Businesses
Training - High Performance Coaching - Fiscal sponsor - BIZ IN A BOX
All programs are funded by private and public donations.Scholarships are available on a sliding scale.
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