Course 3B: The Owner’s Capital Allocation Playbook
One of the most important leadership decisions is where the next dollar should go. This course helps you build a disciplined framework that aligns business investments, personal wealth, risk, and long-term ownership goals — so every dollar has a purpose.
Is This You? Watch the Introduction
Kelly Mattarocci, CPA, MBA — coming soon.
Your Capital Allocation Playbook™
You finish with a working allocation framework you built for your company — not a certificate of completion.
The Problem
Most owners make capital decisions reactively — hiring here, investing in software there, drawing cash when needed — without a framework that aligns business investments, personal wealth, risk, and long-term ownership goals. The result is scattered spending and missed opportunities.
What You Will Build
Four core frameworks you build inside the course — each one a working asset in your Capital Allocation Playbook™.
Capital Allocation Framework™
Coming soon — a disciplined framework for deciding where the next dollar should go.
Investment Decision Matrix™
Coming soon — evaluate business reinvestment versus personal wealth building.
Risk & Reserve Model™
Coming soon — align cash reserves, debt, and risk with ownership goals.
Build-Buy-Automate Matrix™
Coming soon — decide whether to build, buy, automate, hire, or walk away.
How the Course Works
Five implementation-focused modules. Each module is a build step — you leave with a working framework, not a lecture.
The Capital Allocation Assessment
Coming soon — build a disciplined framework for deciding where the next dollar should go across the business, personal wealth, risk, and long-term ownership goals.
Business Investment vs. Personal Wealth
Coming soon — evaluate the trade-off between reinvesting in the business and building personal wealth outside it.
Risk, Debt, and Reserves
Coming soon — align cash reserves, debt strategy, and risk tolerance with your ownership and growth goals.
Growth, Automation, and Hiring Decisions
Coming soon — evaluate whether to build, buy, automate, hire, or walk away from each major investment decision.
Building the Capital Allocation Playbook
Coming soon — assemble the complete playbook that aligns business investments, personal wealth, risk, and long-term ownership intent.
The Transformation
“I make capital decisions reactively, one at a time.”
Scattered spending, unclear returns, and no framework connecting business investments to personal wealth and ownership goals.
“Every dollar has a purpose, aligned with my business, wealth, and ownership goals.”
A disciplined capital allocation framework that connects investments, risk, reserves, and long-term intent.
Build Your Capital Allocation Playbook™
Coming soon — enroll in Course 3B to get instant access to the course and core templates.
Course 3B is in development. Join the newsletter to be notified when enrollment opens.
Who This Course Is For
Owners and executives who want a disciplined framework for deciding where the next dollar should go — aligning business investments, personal wealth, risk, and long-term ownership goals.
Need a Partner to Deploy It?
If you need hands-on help building a capital allocation framework — not just the templates — Market & Margin works with a limited number of companies directly.
Explore AdvisoryStart With the Podcast
These Series 3 episodes introduce the capital allocation concepts you'll build into systems in Course 3B. Listen first, then go deeper.
Build, Buy, Automate, Hire, or Walk Away?
A persona transition episode exploring M&A, partnerships, automation, AI agents, hiring, and organic growth.
If You Left for 90 Days, What Would Break First?
Explore founder dependency, leadership depth, knowledge transfer, process maturity, and succession readiness.
What Is This Business Actually For?
Your strongest legacy bridge. Explore wealth, stewardship, ownership, impact, succession, family dynamics, and long-term intent.
Continue the Journey
Course 3A builds enterprise value. Course 3B turns it into a disciplined capital allocation framework for where the next dollar should go.
Enterprise Value Accelerator
Identify what drives or limits the value of your company, reduce owner dependency, and build a focused 12-month plan for a stronger, more transferable enterprise.
Explore Course 3AWant to explore the full learning journey? View all courses →
Our Implementation Promise
If you complete the first three modules, submit all required exercises, and can honestly demonstrate that the frameworks did not enable you to gain greater clarity, better decision-making capability, or a more effective operating model, we’ll refund your investment. Complete within 90 days of purchase.
