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.

Autumn isn’t just about pumpkins, football, and cozy sweaters; it’s also crunch time for business owners. With the end of the year fast approaching, Q4 is your last chance to tighten up your books, maximize tax opportunities, and position your business for a strong start in 2026.

For many small business owners, the business itself is not just a source of income, it’s the centerpiece of a lifetime of work. But as retirement approaches, it’s important to shift focus from building the business to planning how it will support your next chapter. Whether you plan to sell, pass the company down to family, or simply step away, having a strong financial plan ensures a smooth transition and a secure retirement.

As sustainability becomes a priority across industries, small businesses are increasingly embracing green initiatives, not only to reduce their environmental impact but also to benefit financially. From energy-efficient upgrades to waste reduction programs, investing in sustainability can improve your company’s reputation, lower operating costs, and unlock valuable tax credits and grants.

Interest rates have remained elevated throughout 2025, and for small business owners, this shift is creating a ripple effect across everything from borrowing costs to daily cash flow. Whether you're planning a new investment or just trying to stay on budget, the current rate environment requires a new level of financial awareness. When you can only deduct interest and not the principal on a loan, it can significantly impact your cash flow while your financial statements still show a taxable bottom line.

At J&S Accounting, we work with small business owners every day who are deeply dedicated to their work. They invest long hours, take financial risks, and often wear multiple hats to keep their business moving forward. One thing many of these hardworking entrepreneurs forget? Paying themselves.

In the fast-paced world of business, data is more than just numbers; it’s insight, strategy, and opportunity. That’s where Key Performance Indicators (KPIs) come in. KPIs are measurable values that show how effectively your company is achieving its most important business objectives. Whether you're managing a startup or scaling an established company, tracking KPIs can be the difference between guessing and growing.

As Quarter 2 comes to a close, it’s the perfect time for small business owners to hit pause, reflect, and prepare for what’s ahead. A thoughtful Q2 wrap-up helps you celebrate wins, identify areas for improvement, and close the year strong. At J&S Accounting, we specialize in helping small businesses stay financially focused throughout the year.

Bankruptcy is a word no business owner wants to hear, but it’s a reality that many businesses face, especially during periods of economic uncertainty or rapid growth. While a number of factors can contribute to business failure, the number one cause of business bankruptcy is poor cash flow management.

Running a business means wearing many hats, managing growth, keeping up with clients, and keeping a close eye on your books. One often overlooked risk is expense fraud.

Managing finances is crucial to running a small business. Business owners can ensure long-term stability and growth by implementing effective financial strategies. Here are eight essential financial planning tips for small business owners.

As a business owner, it's essential to begin the new year with a clear financial plan. By adopting a money-saving mindset, you can ensure the financial health and success of your business.

In the fast-paced realm of small businesses, especially in the service industry, financial management is essential for sustainable growth and profitability. As trusted advisors and supportive partners, J&S Accounting Services empowers small business owners, non-profit organizations, restaurant owners, and tradespeople with proven financial management strategies tailored to their unique needs.

In the fast-paced world of small business, maintaining financial health and compliance is crucial, yet often overwhelming for many entrepreneurs. Consistent bookkeeping support is pivotal in ensuring your small business remains tax-ready, providing peace of mind when tax season arrives. With the expert assistance of J&S Accounting, you can effortlessly navigate the complexities of small business bookkeeping and financial management.

Tax season is a time that many of us approach with anticipation and anxiety. While getting a refund can be exciting, preparing your taxes can often feel overwhelming. Here’s how effective bookkeeping can make your life easier:

Pricing for contracting services can be challenging when running a successful business. At J&S Accounting, we know that your pricing strategy should ensure profitability and keep your clients satisfied. One popular approach that many contractors have turned to is flat fee pricing. But is it the best option for your business? Let's explore the different pricing models and their pros and cons.