Connecting the Dots Between Vision and Financial Reality

One thing most entrepreneurs have in common is the drive to make their business financially viable — first surviving, then stabilizing, and ultimately thriving. While financial management is essential at every stage, many founders don’t come equipped with that background. That’s where Kemba Howell comes in. With deep financial acumen, she helps start-ups lay strong foundations and supports established businesses in freeing up capital for growth or expansion.

While Kemba’s expertise lies in “the numbers,” her true passion is working holistically with her clients. Her eyes light up when she discusses understanding a business owner’s plan, goals, and dreams. “I love the conversations with small business owners because their business is their baby, and they’re passionate about it. I love to hear the start-up stories and where they are today. I get to go in and help them continue to build and thrive.”

Empathy is at the core of Kemba’s approach. By getting to know clients beyond their financials, she can offer guidance aligned with their numbers and vision. Instead of simply pointing out what doesn’t work, she provides thoughtful, strategic alternatives that help business owners pivot without losing sight of their goals.

As a solopreneur herself, Kemba knows firsthand what it’s like to run the show and wear every hat. She’s part of a network of female entrepreneurs who meet monthly for support and accountability. Her advice for new business owners? “Get comfortable being uncomfortable.” Because each business requires so many areas of strength, an entrepreneur can’t afford only to do the parts they like the best. “Being good at finance isn’t enough. If I can’t find clients or build partnerships, it doesn’t matter how strong my financial skills are. I have to build relationships and earn trust.”

Relationship-building is one of Kemba’s most valuable assets. Her corporate environment background, especially with cross-functional teams, taught her how to communicate, collaborate, and navigate complexity — skills she now brings to every client interaction. The hardest part of running a service-based business? “Getting clients and breaking into new networks. Networking is necessary, and you must constantly be prepared to sell yourself — sales moves to the forefront.”

Kemba cites her natural curiosity as one of her most valuable traits in designing customized financial solutions. By asking the right questions — not just about the business, but about the person behind it — she gains a complete picture that guides smarter, more strategic financial plans. As clients open more than just their books, Kemba delivers clarity and confidence in return, connecting the dots between their vision and financial reality.