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

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

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