The Xavier Perspective

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

This July Feels Different. Here's Why I'm Still Paying Attention

Frank Gramlich, CPA

Published on: 07/07/2026

The July That Was Different

Small Business AccountingCash Flow ManagementAI & Automation Cash Flow & Financial Management Bookkeeping & Financial Visibility Tax PlanningBusiness Growth

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

Why Acting on Your Mid-Year Review Cannot Wait Until Fall

Frank Gramlich, CPA

Published on: 22/06/2026

Key tax deadlines are closer than you think. A CPA explains why acting on your mid-year review starts now.

Small Business AccountingCPA PerspectiveCash Flow & Financial Management Tax PlanningBusiness Growth