The Xavier Perspective

A CPA's lessons from building a business while helping others run theirs.

The Conversation Nobody Starts

Frank Gramlich, CPA

Published on: 21/09/2026

What happens to your business if you’re no longer the one running it? It is a difficult question, and one worth answering before circumstances answer it for you.

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What I'm Telling Clients About Q4 Right Now

Frank Gramlich, CPA

Published on: 14/09/2026

The "here's how I think about Q4 moves" post accelerating deductions, deferring income, reviewing entity type. Not a checklist; more of a Frank-talks-through-it piece.

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September Is Not Too Late to Start a Retirement Plan

Frank Gramlich, CPA

Published on: 08/09/2026

Self-employed and haven't set up a retirement plan yet? September is the right time to move. Here's what SEP IRAs and Solo 401(k)s can do for your 2026 tax bill and why timing matters.

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The Tax Bill Nobody Warned You About

Frank Gramlich, CPA

Published on: 01/09/2026

New to 1099 income? The September 15 quarterly deadline is one of the first things nobody tells you and missing it costs you twice.

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