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The Xavier Perspective

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

IRS Letter Sitting on Your Desk? Here's What to Do Next.

IRS Letter Sitting on Your Desk? Here's What to Do Next.

IRS Letter Sitting on Your Desk? Here's What to Do Next. Frank Gramlich, CPA
Published on: 17/08/2026

Got an IRS notice and not sure what it means? Most situations are more manageable than they look. Here's what the letter actually says, and why you should not wait to open it.

Small BusinessIRSTax ResolutionIRS NoticePenaltiesCPA
Fixing What's Not Working

Fixing What's Not Working

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

August Is Actually a Good Time to Fix Your Books

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

What It Actually Takes to Have a Good Q4

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