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