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

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

Three Questions Every Business Owner Should Run in June

Frank Gramlich, CPA

Published on: 18/06/2026

Three questions a CPA runs every June to find out if his business — and his clients' — are on track.

Small Business AccountingCPA PerspectiveCash Flow & Financial Management Tax Planning

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