Today on The Owner Seat Podcast, host Albert Ramos goes straight at the thing most fitness + wellness founders keep trying to “AI their way out of”…

Broken financial infrastructure.

My guest is Bill Dillmeier — an operator-minded finance leader who’s obsessed with the boring stuff that actually determines whether your studio scales cleanly: accounting systems, revenue + cost truth, cash timing, and decision-grade visibility.

Bill’s core message is simple and it should make every owner uncomfortable:

Better forecasts don’t fix broken financial plumbing.

Infrastructure comes before insight.

This episode is for fitness + wellness business owners, franchisees, and franchisors who are tired of:

1. running the business off bank balance + vibes
2. using Stripe/Shopify as a P&L
3. “forecasting” from spreadsheets that don’t match reality
4. finding out margins are leaking after month-end
5. buying dashboards/AI tools that only amplify bad data
6. making growth decisions without clean unit economics

How forecasting becomes guesswork when revenue, costs, and timing don’t live in one system of record.

Why bank balance, sales platform revenue, and spreadsheet reporting quietly destroy confidence as you scale.

The practical building blocks: chart of accounts structure, close process, cash vs accrual clarity, location-level tagging, and reconciliation discipline.

What happens when Sales, Ops, and Finance all show up with different numbers—and why conviction drops even when revenue is growing.

Why the next wave of software pricing (usage-based, tokenized, variable) makes real-time cost visibility mandatory—not optional.

If you’re a boutique operator:

You’ll learn what to fix first so your P&L becomes decision-grade—and your cash stops surprising you.

If you’re a franchisee:

You’ll leave with a clearer infrastructure model to protect margins, manage local labor/COGS, and make growth decisions with confidence.

If you’re a franchisor:

You’ll understand what a “finance system that scales” looks like across locations—so you can standardize reporting, protect brand economics, and stop allowing drift.

📊 Work with Albert — Fractional CFO for Fitness & Wellness I’m Albert Ramos, Fractional CFO + Founder at Stratego Intel Consulting. I help fitness, wellness, and franchise brands ($500K–$30M) build cash visibility, utilization + pricing models, and capital planning so decisions are clean and defensible.

Book a CFO Strategy Call (Albert):