#financial-planning
Plan and optimize your financial future with data-driven insights
A fractional CFO gives you strategy, forecasts, and board-ready reporting without a $200K salary. Learn what $2,000–$5,000 monthly actually buys, when to hire, and how to choose between a single CFO and a firm.
An ILIT can keep a life insurance payout out of your taxable estate and provide liquidity to pay estate taxes without forcing a business sale. Learn how ILITs work, the three-year rule, Crummey powers, and common mistakes that bring the policy back into your estate.
Key person insurance protects your business if an owner or critical employee dies or becomes disabled. Learn what it covers, how lenders use it as collateral, why premiums are not deductible, and how much coverage a small business actually needs.
The NFIB Small Business Optimism Index for May 2026 moved on uncertainty, not sales. Learn how to read the index, its subcomponents, and what fuel, hiring, and credit signals mean for your pricing and cash plan.
Retainer pricing fails when utilization and realization drift. Learn how to set retainers from capacity, track write-offs, and keep margin from quietly going negative.
Consolidate business debt with a personal or business loan. Compare rates, terms, and tax implications, then follow a 7-step framework to actually save money and stop re-accumulating debt.
Qualified Opportunity Zones are now permanent tax law with enhanced incentives for rural investment. Discover how the 30% rural basis step-up, 10-year tax elimination benefit, and 2026 redesignation window can shield your capital gains from federal tax.
Australia's Payday Super reform, effective 1 July 2026, requires employers to remit superannuation guarantee contributions within 7 business days of payday, replacing the old quarterly deadline and late-payment offset with a stacked penalty regime that adds GIC interest, up to a 60% administrative uplift, and fund-choice loading.
On July 24, 2026 the First Circuit denied a stay of the Massachusetts district court's vacatur of the $100,000 H-1B supplemental fee, so the charge is not currently being collected while the government's appeal proceeds — but the ruling isn't final and could reverse.
Starting January 1, 2026, anyone whose 2025 FICA wages exceeded $150,000 must direct their entire 401(k) catch-up contribution — $8,000 standard or $11,250 for ages 60-63 — into a Roth account, with no pre-tax option and no opt-out.
Business brokers and M&A advisors charge Double Lehman commissions of 10% down to 2% by tier, but minimum fee floors, non-creditable retainers, expense reimbursement, and tail clauses routinely add 5-20% on top of the quoted success-fee percentage.
New Jersey's A5322 caps corporate net operating loss deductions at $1 million per year for privilege periods ending July 31, 2026 through July 31, 2030, with public utilities exempt, a six-year carryforward extension for disallowed losses, an estimated-tax penalty safe harbor, and an 80%-to-75% limitation phase-down through 2032.
