January comes fast, and so do tax deadlines. For small employers, year-end reporting can feel overwhelming, but a little preparation now can save you time, stress, and costly errors later. Here’s a quick guide to help you stay organized and ready for 1099s, W-2s, and everything in between.

As business owners, it’s essential to measure how efficiently your company operates before accounting for financing, taxes, and non-cash expenses. That’s where EBITDA comes in.

At J&S Accounting, we’ve been helping clients adapt to this environment all year, finding ways to protect margins, adjust pricing, and stay profitable while continuing to retain customers. Here’s what we’ve learned (and how you can put it to work in your business).

Because “holiday cheer” shouldn’t come with payroll panic. The holidays are a joyful (and busy) time for small business owners, but they can also bring payroll headaches if you’re not careful. Between bonuses, PTO, and bank holidays, even minor oversights can snowball into costly errors. At J&S Accounting, we see the same issues pop up every year, and the good news is, they’re completely avoidable with the proper prep. So let’s tackle your most common year-end payroll questions.

Small moves now = big tax savings later. As 2025 winds down, most small business owners are focused on closing out projects, wrapping up holiday sales, and catching their breath. But here’s the truth: the best time to save on your 2025 tax bill is before December 31st. At J&S Accounting, we’ve seen firsthand how a few strategic decisions in Q4 can make a huge difference by filing season. Here’s what year-end planning actually looks like for our clients and how it could work for you too.

As Q4 rolls around, it’s easy to look at your year-to-date numbers and think, “Where did the time go?” Maybe sales haven’t hit projections, or maybe you’ve grown faster than expected and cash flow is tight. Either way, now is the time to pause, review, and reset your financial goals so you can finish the year strong, and set up an even better start for next year. At J&S Accounting, we help small business owners do exactly that, turn messy mid-year numbers into a clear, actionable game plan.

The holiday season isn’t just about twinkling lights and peppermint mochas—it’s make-or-break time for many small businesses. Whether you rely on holiday sales for the bulk of your revenue or just see a seasonal boost, smart financial planning can mean the difference between record profits and post-holiday regrets.

The holidays are a time to celebrate your team, thank your clients, and spread a little cheer. But before you go dashing through the snow with your business credit card, it’s important to know what the IRS considers deductible and what’s just festive fun on your dime.

We’re now 29 days into the government shutdown, and many business owners, especially those in the small business and nonprofit sectors, are starting to feel the effects. When federal systems pause, the impact extends far beyond Washington, D.C. It touches real organizations, real budgets, and real people trying to keep things running.

The end of the year always sneaks up faster than we think. Between holiday sales, family commitments, and wrapping up projects, many small business owners push tax prep to the back burner until January. But waiting until the last minute can cost you, not only in stress, but also in missed opportunities for deductions and savings.

Most parents don’t realize that they can start helping their child build credit long before they ever apply for their first card. By adding your child as an authorized user on your credit card, you can give them a head start in building a strong financial foundation.

As we approach year-end, business owners everywhere are preparing for one of the busiest times of the year: holiday sales, tax planning, and wrapping up the books. But there’s one area that often gets overlooked until it becomes a headache: payroll. Suppose your current payroll system leaves you frustrated with clunky processes, limited reporting, or extra time spent fixing mistakes. In that case, Q4 might be the perfect time to prepare for making the switch.