The Xavier Perspective

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

Fixing What's Not Working

Frank Gramlich, CPA

Published on: 10/08/2026

Most business owners don't have the mid-year tax planning conversation until it's too late. Here's what the tax gap is, why August still matters, and how to close it before year-end.

Tax PlanningSmall BusinessYear-End PlanningEstimated TaxesS-Corp, CPA

August Is Actually a Good Time to Fix Your Books

Frank Gramlich, CPA

Published on: 03/08/2026

Behind on bookkeeping? August is the best time to fix it. Four months of clean records heading into year-end beats twelve months of catch-up in January.

Tax PlanningBookkeepingSmall Business Financial OrganizationYear-End Planning

What It Actually Takes to Have a Good Q4

Frank Gramlich, CPA

Published on: 27/07/2026

Q4 readiness starts in August. The firms that are ready started before the pressure arrived.

Tax PlanningSmall Business Growth Business Development Practice Management

The Follow-Up List Is Where the Money Lives

Frank Gramlich, CPA

Published on: 20/07/2026

The follow-up gap is where deals die. Here's how XFS closed it with the right team and tools.

Business Development Client Relationships Practice ManagementCRM & Technology