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 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