Fourth Quarter is upon us! 2020 has eerily flown by and we seem to be getting through what may have been one of the most challenging moments in the history of business. A time I hope you are able to optimistically reflect on, learn from, and rise above.

Q4 is an ideal time of year to launch your annual business review. We’ve created a SIMPLE 3-STEP process that will help you get real, deal, and heal from a year of highly uncertain twists and turns.

Our October blog walked you through Step 1 which was Tax Preparations / Financial Review. Step 2 shines the light on 2020 Action Plan results and how to use this information to produce a strong plan for 2021 which is our final Step in the process focused on in our December blog. 



Step One focused on finances. Getting a good handle on your taxes now allows you enough time to implement last minute tax strategy, before EOY. Numbers can be a scary conversation; especially as entrepreneurs as our bank account may not always reflect what one might define as “success”. Our money demands daily review and discussion ensuring you’re making smart money moves year-roundnot just on April 15th.



Step Two focuses on the RESULTS of your 2020 Goals and Action Plan allowing you to discover new sprouts of opportunity to increase production and overall success. 

Now if you haven’t identified business goals or an action plan as of yet, not to fret, use your actual results to build on and plan ahead. The goal with this exercise is to compare where you wanted to be at the start of 2020 versus where you are today, then use that information to fill in any gaps. 

Several things to keep in mind as you complete your Annual Review:

– 2020 has been an Asshole of a year, BE KIND TO YOURSELF

– If you pivoted this year, do you plan on continuing the new practice or release it when things begin to normalize

– Focus on all the GOOD stuff that did go right this past year!

Pro Tip: Below is a simple spreadsheet breaking down high level annual goals chunked into quarters and ultimately serves as an amazing CEO vantage point on your business.









Email capture








Increase advert budget








Product Development 








Add additional models to each line 

I hope this helps you wrap up 2020 successfully. Stay tuned for Step 3 as we begin planning for 2021!


Fourth Quarter is upon us! 2020 has eerily flown by and we seem to be getting through what may have been one of the most challenging moments in the history of business. A time I hope you are able to optimistically reflect on, learn from, and rise above.

Q4 is an ideal time of year to launch your annual business review. We’ve created a SIMPLE 3-STEP process that will help you get real, deal, and heal from a year of highly uncertain twists and turns.



Step One focuses on finances. Getting a good handle on your taxes now allows you enough time to implement last minute tax strategy, before EOY. Numbers can be a scary conversation; especially as entrepreneurs as our bank account may not always reflect what one might define as “success”. Our money demands daily review and discussion ensuring you’re making smart money moves year-round, not just on April 15th.

Tap into our go to financial/tax hacks to collect your coins with confidence:

  1. Create an e-file to sit on your desktop and a hard file both labelled 2020 TAXES to hold and organize any financial / tax documents needed for filing
  2. Review YTD GE’s, catch up and/or reconcile for the year where needed
  3. If you work with contractors/vendors, begin preparing 1099 documentation
  4. Collect outstanding payments from clients to ensure income is received and counted in the year, for the year
  5. Pay outstanding dues, fees and any in the year, for the year expenditures
  6. Make any last-minute business purchases and investments and write them off for the year

Pro Tip 1: work with a bookkeeper like Kristin Rocco of Nerdy Girl Services who manages you books daily, prepares your Quarterly GEs, helps organize your paperwork for your CPA prep, and takes the lion’s share of the above off your plate.

Pro Tip 2: to help save you thousands of tax dollars, work with a CPA, Certified Tax Planner and Tax Master like Janean Kong of Smart Tax and Business Solutions. She also helps you access capital to leverage life’s demands, provides proactive tax strategies throughout the year, and is able to represent you in court against the IRS should you need.

I hope this helps you begin to wrap up 2020 successfully. Stay tuned for Steps 2 and 3 in our upcoming blogs!

Tips for Online Marketing

So you’re doing the work. Give yourself a pat on the back. You’re showing up every day for your online audience and you’re having fun while doing it. You notice there are people commenting, you’re getting some responses, and you spend time liking, sharing, and interacting with fellow business owners on social media.

But how do you know if it is really working? Well, my girlfriends, that’s where metrics come in.

So if you’re just getting started or have been online for a while, here are a few of the important metrics to track and how to do it.

  1. Set a timeline. Every week, every month, and every quarter, you should be setting specific goals in a specific amount of time to make sure you are not getting loss in the abyss that is social media. Get on, get going, and get off to other money-making opportunities. So whichever way you want to track that, whether the old-fashioned pen and paper way or on a google sheet, set a timeline to interact with x amount of new followers, follow up with x amount of current followers, and go for x amount of potential collaborators.
  2. Website traffic. Do not forget to measure how many people are coming to your website after a specific post. Perhaps you would like to do this monthly, and look at which posts drove the best traffic to your site and which ones ended up converting to sales. By assessing this information, you can figure out why certain messages resulted in more traffic and why. Then go ahead and repeat, repeat, repeat.
  3. New Visitors vs. Ol’ Faithfuls: Sometimes all of our attention goes towards our current supporters, but the real purpose is making more money and expanding online so don’t make the mistake of simply keeping up with who is already in your network. When you get a new like, a new follower, or a new sign up, make sure you are doing your due diligence to follow up accordingly and keep this information in an easily accessible folder either on your desk or on your google drive to hold yourself accountable for following up.

Those are a few of our top suggestions for how to properly assess how your online platforms are performing. There is always room for improvement and the numbers don’t lie. So set yourself up properly and make the most out of your time online.

Know Your Worth

We hear from people we love and appreciate all the time- know your worth. 

Whether it’s your sister, your mother, a friend, or a co-worker, this healthy reminder is handed out to us by trusted allies to wake us up to the fact that we are indeed worthy of the life we’ve always dreamed of, the relationships we’ve always wanted, the house, the career, and whatever else is on our bucket list. What that looks like for each individual differs, but one thing we all share in common is that we all have held ourselves back from time to time. Whether we shrank out of the fear of standing out, or passed on opportunities because we didn’t truly embrace our power, it’s time we make a valid effort to start choosing differently in those moments and to give ourselves permission to make the purchase, achieve the goal, or buy that membership once and for all. 

This Forbes Magazine article was written by a career coach and consultant who touches on why the issue of self-investment is more prevalent in women than men. In her field, she’s found that men are often quicker to purchase her services and see the value in self investment where as women tend to struggle more with it. Her male clients see the value in spending money on professional services, knowing and trusting it will take them to the next level, where as women typically feel they need to check with someone else first, do more research, or wait for the right time. What she found is that women are often more afraid of the idea of gaining more success, and, of course, believe the money would be better spent on somebody else other than themselves. Now if this sounds like you you are not alone, but we at RUSHwahine are here to encourage you to break these mental blocks and take back your power once and for all. We want you to reach for the stars. We want you to stop listing all the reasons you can’t grow, even in times like these, and start listing the reasons why you will! 

That is why membership at RUSHwahine is so valuable. In our network, you have 24-7 access to like-minded female business leaders who you can bounce ideas off of, get advice, leads, and encouragement. Membership also comes with a mastermind accountability group, where twice a month you meet with the women in your cohort to set professional goals and maintain focus on your financial endeavors. And it’s only $40 a month. The best part of being a RUSHwahine member is that you get out of it what you put in. But one thing is for sure- you will guarantee make your membership back through sales, collaborations, and exposure. So, today, we would like to ask you- what’s holding you back? What’s your excuse? Buy your RUSHwahine membership today.  You are worth it!


A Moment of Gratitude

Enjoy the moment has been grossly underrated. That’s certainly been the case with this pandemic. Something about not being able to enjoy the simple act of meeting up for coffee, gathering for a glass of wine on a Friday night, or joining some of Hawaii’s Top Women in Business for a professional event really puts life into perspective. When these small, everyday options are taken off the table, only then do we really feel and understand their true purpose in our lives and appreciate their ability to allow us to connect and to share space and heart.

At RUSHwahine, we have built strong relationships with our industry partners who assist us in our mission to encourage, educate and empower fellow wahine in business here in the islands. Years of working in the Hospitality Industry, our founder, Terra Foti, who’s husband is the current General Manager of the Waikiki Beach Marriott Resort and Spa, knows all too well the pain our local venues, hotels, and resorts are experiencing.

Every few months, for the past six (6) years, RUSHwahine has hosted a variety of evening and day events throughout Hawai’i and we want to take a moment to recognize those partnerships and let them know we haven’t forgotten about them or the importance of returning in order to help an industry Hawai’i so heavily relies on recover.

A huge MAHALO to our past and current venue partners. We look forward to sharing time and space with you again in the near future.







And, as always, if you or someone you know is ready to commit to starting and growing a successful business, then become a member TODAY. What better time than now to focus on improving your work, your services, and yourself. Sign up below.

Thriving Together

As the impacts of the COVID-19 pandemic are starting to be felt on a local level, we must now, more than ever, work together to succeed. It is in times such as these that the RUSHwahine community, through a mindset of collaboration over competition and abundance, can offer support, guidance, and insight on how to properly and strategically navigate this period of uncertainty. 

Supporters and members of RUSHwahine are encouraged to stay positive and use this time as an opportunity to organize,  plan, and full-proof their businesses to the max. One way we can all do that is by beefing up our online systems and structures so they are efficient, effective and impactful. While we are hibernating and taking care of our wellbeing for the sake of others and ourselves, now is a great time to focus on how to develop and perfect your digital libraries so they are making money for you and not cutting into your time. If you’re like us, we use the web for everything, from our banking systems and timekeeping programs to our budgeting projections and marketing campaigns. And in the spirit of community, we are going to be sharing those with you through our weekly emails. Make sure you’re checking your inboxes. We also are getting ready for an online challenge led by our founder Terra Foti. 

Terra will be offering a 7-Day Abundance Mindset and Online Content Challenge that will guide you through the process of content creation. Every day you will be tasked with a goal, and by the end of the 7 days you will have a full-week of accomplishments (and content) that will set you up for digital success in the long-run.  

FREE for members, only $19.99 for non-members, we look forward to seeing you online!  

And remember, we at RUSHwahine are also here for you, especially during this time of the unknown. Let’s join forces to keep hope alive and let’s thrive together through membership and support. Gear up because the challenge starts Monday. 

Also, it’s important for us to not lose sight of our blessings. We as business owners are fortunate to have the resources we do, even in challenging times. That is why we are encouraging you to think of those less fortunate right now and give back if you can. One way you can do that is through your local food pantry. Here is a list of the local food banks and links to their websites.

We’ll see you Monday morning and don’t forget to sign up for the challenge on our Facebook page. 




Big Island 

Pono is Key for Business in Hawai’i

In Hawai’i, we do things a little differently. That’s thanks to the aloha spirit that embodies us all. Whether you’re considered malihini or are a kanaka maoli, all who live and work here have a duty to stay true to the values of our culture and bring those values into our businesses; one of the most important values for us is being pono.

Being pono is in essence to live right, to act right, and to treat others right. Here at RUSHwahine, we encourage our members to be pono in all aspects of their business especially, and that means to be part of a collaborative culture that aligns us with those who can positively feed our fire. Co-existing in a small footprint packed with unexpected cliques not afraid to light up coconut wireless faster than the network you’re streaming on, there’s little to no tolerance for anything other than for us to strive in this manner.

It also means honoring your word, sticking to your agreements, and staying committed to work that continues to serve your mind, body, soul. One way to do that is through a membership where you will be able to reflect on your business decisions then massage, rearrange and fine-tune with the help of our other members. One of the amazing aspects of our grassroots, all-female empowerment core is our ability to create a safe place for all members to share, be vulnerable, be honest, and most importantly, be pono together. The path towards success may not look the same for everyone, but if your choices, actions, words and deeds are aligned with the best intentions possible, then once you obtain the success you seek you will feel satisfied and proud of yourself because you did it the right way.

Let us know how you can be pono in your life and business. What actions can you take today to live a more righteous and honest life for yourself, your family and your community? Who can you reach out to for encouragement and what do you need to be fulfilled? Let us know. Send your thoughts to our contact us page, and keep checking back to see what events are happening in RUSHwahine.

Together We Rise

On Friday, Jan. 10, we had our first-ever RUSHwahine Big Island event. Mahalo everyone who welcomed RUSHwahine with open arms, it was a beautiful evening against the backdrop of the Waikoloa Beach Marriott Resort & Spa and we were so happy to be there.

More than 30 powerful business women attended to share their stories, goals, and achievements and how they plan to take their lives and their businesses to the next level in 2020. From the owner of a Hilo Pet Grooming and Boarding Facility to aspiring entrepreneurs, hearing how each and every one of these strong, independent women are making the most of their time and their life through their work is one of the incredible benefits of RUSHwahine where we believe in learning through shared experiences and bonding before business. If attendees at events gain anything from these moments, we hope it’s the understanding that ONLY together we can RISE! A rising tide lifts all boats. This means that when we all share, when we all support each other, and focus on collaboration over competition, then we will also share in each other’s blessings as well. As a member you tap into a community dedicated to your overall success by accessing tools and resources that further empower you to make sound decisions that elevate and protect your business. 

We offer a safe space for women to be candid about their lives and businesses and provide supportive feedback on how to successfully grow TOGETHER. Membership is beneficial to both entrepreneurs and business leaders looking to advance in the next few months. Connections made from these events are amazing, but without proper action that’s all they are. During membership, you will be held accountable for your goals and receive solid strategy on how to accomplish them by other trusted women in our network. Many of us are facing the same challenges and being able to bounce ideas, opportunities and obstacles off of a team is imperative to your progress. We should always stay nimble and adjust for improvement and through RUSHwahine you can unmask and navigate your life and business towards your true north. 

Mahalo again to our feature business and exhibitor Kiana Clifford, owner and designer of Kiki&Naia  for showcasing your one of a kind pieces and CBD products! Congratulations to Karen Furtado, owner of Shear Magic Pet Salon who won a free 2night stay certificate at our host resort, and to one of our newest members, Kathy Sprinkle, artist/owner of Sprinkle of Aloha  and organizer of the Big Island Art Fair at Anna Ranch who won a complimentary Premier Level RUSHwahine Annual Membership, we look forward to growing with you! 



Pamela Leslie, Monique DePonte and Kathy Sprinkle


Deslynn Jaquias


Elena Martinez

And to all of you lovely ladies who made Friday night one to remember, a sincere thank you for showing up! We look forward to seeing you again on the Big Island in July. Until then, continue to RISE and bloom through membership!

Up Next: Intro to Mastermind, January 22nd at 10a HST.  Register here.

You and Your Money

I’m sure if I asked each one of you why you got into your business in the first place, you would share with me your passion for what you do and your love for having the freedom to go and be where you want on your own dime and on your own time. We all do what we do for the love of it, but in the end we still are in our businesses to make money. When we aren’t sure of where we stand financially, it can crumble our confidence as business owners and the negative trickle effect ranging from loss of client interest or revenue up to resenting your business can be detrimental. So how do we manage our relationship with money so we can forget about the “numbers” and tap into the abundance that is already there? Read on to learn more.

Your relationship with money first and foremost needs to be one where you are in CHARGE, not the other way around. And how do you do that? Through organization my girls! Here’s my recommendation on how to organize your business and personal finance accounts so you don’t feel like you’re constantly chasing the penny.

  1. Start off with a “BUSINESS” CHECKING ACCOUNT aka business income/expense account. In this account you will need debit, checks and bill pay. Here you will deposit all business income and pay all business expenses including your salary (which includes your personal bills), client entertainment, business travel, workshops, membership dues, business subscriptions, auto, phone etc. This account is dedicated to all things business tax deductible/taxable.
  2. Create a PERSONAL CHECKING (DEBIT) ACCOUNT aka your play account. In this account you need a debit card but no check books or bill pay. Instead, take your salary from your BUSINESS ACCOUNT and deposit your pay (should be enough for your personal bills and spending money) into your personal checking account. This account is your play money, your “self-love” account, if you will.
  3. Create a second PERSONAL CHECKING ACCOUNT aka your personal bills account. In this account you will need checks and bill pay. Here you will take money from your personal debit and deposit to your personal bills. You can pay all your personal bills from here via online or check and no debit card will be needed for this account.
  4. Lastly you’ll need to create a PERSONAL SAVINGS ACCOUNT aka stash account. In this account you won’t need debit or bill pay as it’s simply a holding account. For instance, a good rule of thumb is to set aside 25% of all income for tax purposes therefore, each time you deposit income into your BUSINESS CHECKING ACCOUNT you want to  transfer approximately 25% of that income and deposit it into this account. The win, if done consistently is that by the end of the quarter you should have enough to cover your GETs so that you’re not paying out unexpected, sometimes large sum of funds.

RECAP: BUSINESS CHECKING ACCOUNT: helps organize and track all business income/expenses. Makes life a littler easier come April 15th and you always know the financial state of your business. PERSONAL DEBIT ACCOUNT: you don’t have to worry if you have enough in your account to cover a pedicure or that blouse you’ve been eyeing again because the only money in this account should be for pure play which is great motivation to grow it the most. PERSONAL CHECKING ACCOUNT: a common culprit of NSF (non-sufficient funds) is that the account holder is debiting from the account but forgot that there’s floating checks out there waiting to be cashed or the date when an automatic deduction for a bill takes place so spending money that’s already claimed hence the bounce. If the only money being deposited here is to cover bills there should be no surprises. SAVINGS ACCOUNT: is where you store money throughout the year for anticipated expenses and can help get you through unexpected financial situations.  

If you manage your money like this each month you will save yourself the stress of tracking and only have to run the activity report from your BUSINESS ACCOUNT for bookkeeping needs. And just imagine the relief you will feel knowing your money is organized, on track, and in the right place at ALL TIMES!

Another tip on how to build a positive relationship with your wallet is if you use credit cards, use one card for business only and the other for personal and do your best to not double dip. Use an excel or airtable spreadsheet to budget and keep track of finances too so you know how your time (and your money) is being spent.

Those are a few of my money management tips to help you build a relationship your money get back on the same page. Please contact me if you have any insight or questions and I hope to hear from you soon. XOXO.

The AVA’s of Success

This past Saturday, a powerhouse group of 25 women showed up at Aloha Beer Co., a chic bar in Honolulu’s historic brewing district. There, we mixed, mingled, and talked business before the holidays. Replete with prizes, activities and special vendors, this champagne-infused talk-story was by far one of the best of the year. Tears were shed, hearts were opened, and fears were conquered.  

The day’s conversations focused on encouraging members to determine their power word for 2020, reflecting on the past year and getting ready for what’s to come in the next month. Moments of incredible breakthroughs occurred, and stories of resiliency reminded us all that we are strong and impressive women with the courage and faith to create and excel in our own businesses that feed ourselves, our family, and our soul.

It’s events such as these, that provide a space for you to take time to reflect on your business, where it’s been and where you want to take it. That can help you tap into your truth, your inner goddess strength and warrior mentality, that you need to grow in your professional life. Sometimes we, as women, have a tendency to not allow ourselves the proper time to embrace such moments, and that’s why Saturday’s event was so special. So let’s not lose sight of that this week and remind ourselves to help each other, stay focused on our goals, and continue to build solid relationships.

­­And one such way to do that is by becoming a member. Members receive support, much like what was experienced on Saturday, through mastermind accountability sessions. If you sign up to be a member of RUSHwahine, you will  participate in a mastermind class two times a month on zoom, where you can receive an opportunity to share your business goals and receive feedback on how to accomplish them. In light of the amazing responses from this weekend, Terra is offering a sample mastermind to those interested in becoming a member Thursday, Dec. 19 @9A. Register here to see what this unique benefit can do for you and your business goals.  

A huge mahalo to everyone who came out Saturday and thank you to all the vendors who shared their products with everyone. Those present were Paradise Nannies Hawaii, Kapa Hawaii, H20, Hawaii Client gifts, Maui Honey Bee, Dezion, LLC., and Charismatic Beauty.  Another shoutout to our performers on Saturday, Simple Souls, and Maile for lifting our spirits with your soulful sounds!

As we move forward this week in our lives and in our businesses, please take with you what you left with at the event. Please take your power, your courage, and your inner strength into next week knowing that you are a badass woman first and foremost. Take chances, push yourself, and don’t be afraid to step outside of your comfort zone.

Keep checking back to our blog to stay up to date regarding the latest RUSH events. Contact us if you have any questions and enjoy the rest of your week. xoxo