Growth Advisors & Tax Consultants

Growth Advisors & Tax Consultants Want to get more great info? Click the link below:

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I’m Sheena your go-to Fractional CFO dedicated to helping women business owners take control of their finances, increase profitability, and scale with confidence.

10/03/2026

Saturday long run done.

I didn't want to go. That's kind of the point.

Running taught me something about money before my clients ever did: the results show up from the boring repeated thing, not the heroic one-time thing. Nobody gets fit from one brutal workout in December. Nobody builds wealth from one clever move in December either.

The owners I work with who end up genuinely free — not just high-earning, free — are almost never the ones who found one big trick. They're the ones who made a slightly better decision every quarter for six years.

October is a boring month. That's exactly why it works.

What's your boring repeated thing?

Tell me your boring repeated thing in the comments.

10/02/2026

I'm going to say the thing that makes other accountants uncomfortable.

Filing your return is not tax planning. It's a report on decisions you already made. By the time that number exists, the game is over — we're just reading the scoreboard.

Planning is the conversation that happens while the year is still moving. What is profit trending toward. What levers exist for this business, this owner, this year. What each one costs — in cash, in complexity, in flexibility. What we're NOT going to do, and why.

Most business owners have never had that conversation. Not because their accountant is bad — because that's not the service they bought.

If the only time you hear from your accountant is when there's a payment due, you don't have a strategist. You have a historian.

Tell me honestly — when was the last time your CPA called YOU?

Comment HISTORIAN if this described your last three years.

Save it for your next CPA meeting.

10/02/2026

92 days. That's what's left of 2026.

Here's the trap: everyone treats December 31 like the deadline. For a lot of planning, it isn't — the real deadlines sit earlier, and they're quiet. Plans that have to be established. Elections that have their own clock. Payroll that has to actually run. Equipment that has to be in service, not on order.

Your one assignment this week: pull your year-to-date profit. Not revenue. Profit.

Most owners I meet can tell me their top line to the dollar and have no idea what their taxable income looks like. That's not a math problem. That's a decision problem — you can't make a good one in the dark.

Do it today. I'll be here all month with what to do next.

10/01/2026

You are financially successful and you do not feel financially free.

Those are two different problems and only one of them is about money.

Successful means the numbers are good. Revenue, profit, maybe a team.

Free means the money works without you standing across from it every day.

Here's why it doesn't arrive on its own:

Nothing structural changed between $400K and $1M. You got better at the same game — more clients, more hours, more competence.

Freedom is a different game. Assets outside the business. Income that doesn't require your attendance. A distribution policy instead of a monthly guess. Knowing your April number in September.

If you hit the numbers and it didn't feel like you expected — that's not ingratitude. That's a structural observation, and it's correct.

That's the conversation I'd want to have. Book a call — link in bio.

09/30/2026

Q3 closes today. Four things before you look at Q4.

1. RECONCILE SEPTEMBER. Actually. Bank feed categorized, uncategorized cleared, AR aging opened. Everything after this depends on this being real.

2. RECALCULATE THE PROJECTION. Nine months of actual data. Annualize, apply last year's effective rate, subtract what you've paid through three quarters. That's your April number, with three months to act on it.

3. COMPARE IT TO WHAT YOU ASSUMED IN JANUARY. Almost everyone skips this and it's the most valuable step. Where were you wrong? Which expense line drifted? Did the margin hold? You're not keeping score — you're finding out which of your assumptions are unreliable, because you're about to plan Q4 with those same assumptions.

4. PICK TWO Q4 MOVES. Two. Not seven. Put dates on them.

92 days to December 31.

Want help picking the two? Book a call — link in bio.

09/30/2026

Your business is one illiquid, undiversified asset that requires you to stay healthy.

If an advisor told you to put 90% of your net worth into a single private company — one industry, one geography, one customer base, can't be sold quickly, and its value depends on one specific person continuing to work — you'd say no instantly.

You'd call it reckless.

All true. None of it changes the risk.

The test: if you couldn't work for six months starting tomorrow, what happens to the VALUE? Not the revenue. The value.

Most of it walks out with you.

Q3 closes tomorrow. If you can't name one asset you own outside your business, that's the most important thing on your Q4 list.

More important than any deduction I could find you.

Keep More Cash — the part after the tax bill. Link in bio.

09/30/2026

Nobody posts their net worth. Everybody posts their revenue.

That's the whole problem in one sentence.

Revenue is a vanity number. It can be inflated by one good month, funded by debt, and completely disconnected from whether you keep anything.

Net worth cannot be faked. It's what you own minus what you owe, and it only moves when something real happens.

Build the tracker. One page, first of the month, ten minutes:

Cash. Retirement accounts. Investments. Real estate equity. Business value, conservatively. Minus every debt.

Then watch the direction, not the number. Direction is the only thing that matters and it's the only thing a monthly cadence can show you.

A $2M-revenue business with a flat net worth line is a job with excellent branding.

The tracker is in the wealth chapter. Keep More Cash — link in bio.

09/29/2026

Where to put the money once you've started keeping it. Four options. You only need one to start.

1. THE RETIREMENT VEHICLE — start here.

It's the only one that gives you a deduction this year. Solo 401(k): $24,500 deferral, plus $8,000 catch-up at 50+ or $11,250 at 60–63, plus employer contribution to a combined $72,000. Reduce this year's tax and build the asset at the same time. Must exist by Dec 31.

2. INDEX FUNDS — for money you'll need before retirement age.

No deduction, no age restriction. This is where money goes that you might need at 52 rather than 62.

3. REAL ESTATE — real returns, real depreciation benefits, real work and real illiquidity. A good third asset. A poor first one.

4. HSA — if you have a qualifying plan. Deductible in, tax-free growth, tax-free out for medical. Best treatment in the code.

Not sure which fits? Book a call — link in bio.

09/29/2026

Income is what you earn. Wealth is what stays.

INCOME depends on effort. Show up, sell, deliver, decide. It scales with your capacity and it stops when you stop. A high income is a real accomplishment and it's also a treadmill with a nicer view.

WEALTH depends on a system. Assets outside the business that produce without you. They don't require you to be healthy, present, or motivated.

If you stopped working tomorrow, how long would your household run on what you OWN rather than what you earn?

For a lot of owners at $1M in revenue, the honest answer is a few months.

The fix isn't dramatic. A fixed percentage of profit leaving the business every month, into your name, before anything else gets to call itself urgent.

Keep More Cash is about what stays. Link in bio.

09/29/2026

Ninety-four days.

After that, the only thing left to do with this year is report it.

Not improve it. Not restructure it. Report it.

That's the part nobody explains. There's a date where tax planning stops being possible and tax preparation begins, and it isn't April 15. It's December 31.

Still open right now:

The retirement plan, if it exists before year end.

The entity election, if payroll runs in time.

The accountable plan, from the day you adopt it forward.

Equipment, if it's actually in use.

Augusta meetings, if they actually happen.

Your Q4 estimate, if you true it up.

Closed on January 1:

All of it.

And in April, someone will hand you a number and you'll assume it was unavoidable.

It was avoidable for ninety-four more days.

Bring your YTD profit and last year's line 24. Book a call — link in bio.Ninety-four days.

After that, the only thing left to do with this year is report it.

Not improve it. Not restructure it. Report it.

That's the part nobody explains. There's a date where tax planning stops being possible and tax preparation begins, and it isn't April 15. It's December 31.

Still open right now:

The retirement plan, if it exists before year end.

The entity election, if payroll runs in time.

The accountable plan, from the day you adopt it forward.

Equipment, if it's actually in use.

Augusta meetings, if they actually happen.

Your Q4 estimate, if you true it up.

Closed on January 1:

All of it.

And in April, someone will hand you a number and you'll assume it was unavoidable.

It was avoidable for ninety-four more days.

Bring your YTD profit and last year's line 24. Book a call — link in bio.

Address

Coeur D'alene, ID
83814

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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