2027 Business Planning Season Starts Now
Your 2027 business won't build itself. Let's build it by design.
A step-by-step business plan that does the math for you. Know exactly what you need to earn, how many closings it takes, and how many calls to make each day to get there.
Not by Chance. By Design.
When you finish, you'll know your numbers.
Most agents start the year with a wish. You'll start with a plan you can see on your calendar.
01
Your real income target
Built from your actual bills, business costs, goals, and taxes. Not a number pulled out of the air.
02
What one closing pays you
After your brokerage split, fees, and any referral or lead program fee. Then how many closings your goal takes.
03
Your daily call number
Work backward from closings to appointments, conversations, and the calls to make every work day.
04
Your follow-up rhythm
Ruth's 8 Bucket System, plus the Bonus Bucket for Friends & Family, so you know who to call and how often.
05
Your week, time-blocked
Lead follow-up, CRM time, your own lead generation, and appointments, all on your calendar.
06
Your why
The reason behind every number, so you keep going on the hard days.
Free download
The 2027 Business Plan Quick Plan
A 5-tab Excel workbook that calculates everything for you. Fill in the gold boxes and watch your plan come together.
- My Numbers: your why, your bills, your goals, your income target
- My Closings: what you keep per closing and how many you need
- My Plan: daily calls, the 7-day follow-up rule, your Buckets, your week
- Year at a Glance: how your year can go, month by month
- Available in English and Spanish
Send me the free workbook
It lands in your inbox in a few minutes.
Request my free workbookRuth will email it to you personally.
Don't just download it. Finish it.
A plan only works when it's finished and on your calendar. Choose how much help you want building yours. Every option includes the 10-tab Full Workbook.
Most popular
Fearless 2027 Planning Intensive
Live on Zoom · December 2026
$197
- 2-hour live workshop: build your plan with Ruth, step by step
- The 10-tab Full Workbook
- Replay, so you can finish at your own pace
- Sessions in English and in Spanish
- Leave with your daily call number and your week on the calendar
Plan to Production
4-week live group program · Starts January 2027
$497
- 4 weekly live coaching sessions
- Week 1: your numbers. Week 2: your closings and sources.
- Week 3: your Buckets and follow-up. Week 4: your calendar.
- Accountability to actually start, not just plan
- The Full Workbook and every replay
VIP 1:1 Plan Session
Private · Limited spots each month
$997
- 90 minutes, just you and Ruth
- We finish your plan together, built around your market and your life
- A 30-day check-in call to keep you on track
- The Full Workbook
- In English or in Spanish
For brokerages and team leaders
Give every agent in your office the Full Workbook, plus a live planning workshop with Ruth, in English or Spanish. Starting at $1,500.
Meet Ruth Rivera
Ruth has been in real estate since 1992, as an agent, sales manager, managing broker, and coach. She had zero closings in her first ten months. So she built a system by hand, with index cards and a legal pad, and grew her business every year after that.
That system became the 8 Bucket System, the heart of this plan. Today Ruth coaches agents across the U.S., Puerto Rico, and Hispanoamérica, in English and Spanish, to stop guessing and start building their business by design.
- Your Fearless Real Estate Coach®
- NAHREP 10 Certified Trainer
- Florida Realtors Board of Directors
- CIPS · ABR · GRI
- Author, The Real Estate Bucket Playbook
Questions
Is the Quick Plan really free?
Yes. Request it through the button above, and Ruth will email it to you personally. No credit card.
What's the difference between the Quick Plan and the Full Workbook?
The Quick Plan has 5 tabs and covers the essentials. The Full Workbook has 10 tabs and adds your activity plan, a full Bucket follow-up calendar with calls, texts, emails, and videos, time blocks, a weekly tracker for all of 2027, a checklist, and your whole plan on one page.
What do I need to use it?
Microsoft Excel or Google Sheets. You only type in the gold boxes. Everything else calculates for you.
I work with a lead program or get agent referrals. Does it work for me?
Yes. You enter each program's referral fee, and the workbook shows what you really keep from those closings compared with your own clients.
Is it really available in Spanish?
Yes. Both workbooks come in English and Spanish, and Ruth offers live sessions in both languages.
What if I can't make the live Intensive?
You'll get the replay and the Full Workbook, so you can build your plan on your own schedule.
The agents who win 2027 start now.
What you do these next weeks becomes your routine before January even begins.
Ruth Rivera · Your Fearless Real Estate Coach®
Email: media@yourfearlessrealestatecoach.com · Website: yourfearlessrealestatecoach.com
Results depend on your effort, your market, and how consistently you follow your plan. No specific income is guaranteed.
© 2026 Rivera & Associates Consulting Group LLC