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

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