The Xavier Perspective

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

Find Yourself Building the Plane While You're Flying It?

Frank Gramlich, CPA

Published on: 14/07/2026

Currently this is the story of my life. Building while we fly is one of my mantras this summer

Entrepreneurial InsightsCPA PerspectiveSmall Business Growth Business Operations & Systems Productivity & Time Management

What Does a Stress-Free Vacation Have to Do With Your Books?

Frank Gramlich, CPA

Published on: 26/06/2026

A CPA writes from vacation to share what mid-year adjustments look like in practice at his own firm.

Small Business AccountingEntrepreneurial InsightsCPA PerspectiveCash Flow & Financial Management Business Growth

What My Mid-Year Numbers Actually Revealed

Frank Gramlich, CPA

Published on: 10/06/2026

A CPA runs his own mid-year check and shares what the numbers revealed — and what they should tell you.

Small Business AccountingBookkeeping & CleanupCash Flow ManagementEntrepreneurial InsightsTax & Financial StrategyCPA PerspectiveCash Flow & Financial Management Bookkeeping & Financial Visibility

Profitable and Stressed: The Cash Flow Problem Nobody Talks About

Frank Gramlich, CPA

Published on: 25/05/2026

Your P&L says you're fine. Your bank account disagrees. A CPA explains the cash flow gap.

Small Business AccountingEntrepreneurial InsightsCPA PerspectiveCash Flow & Financial Management Bookkeeping & Financial Visibility