Raymon Lester, CPA

05/20/2026

Debt as a Tool, Turn Borrowing into a Growth Engine

In this short session, we covered how to make debt work for your business, not against it:

Comprehensive Debt Review: What to examine (rates, terms/covenants, payment schedules, alignment with cash cycles).

Smart Refinancing Moves: Consolidation and fixed vs. variable choices that can free up monthly cash.

Strategic Paydown Plan: How to balance debt reduction + reinvestment so profits and growth don’t stall.

Profit & Cash Flow Impact: Why smarter structure can improve margins, stability, and scalability—especially for dental practices.

05/19/2026

“Income over expenses” is important, but it’s not the full story for a business or nonprofit.

Cash flow, debt levels, unpaid receivables, restricted funds, upcoming capital needs, payroll obligations, and operational efficiency all play a major role in determining the true financial health of an organization.

A company or nonprofit can show a profit on paper and still struggle financially if cash flow and financial management aren’t monitored properly.

That’s why understanding the full financial picture matters, not just the bottom line.

05/18/2026

05/13/2026

Many business owners purchase equipment without fully understanding how depreciation impacts profitability, cash flow, and taxes.

In this short video, I discuss:
✔ What qualifies as a depreciable asset
✔ Common depreciation mistakes
✔ Section 179 and bonus depreciation strategies
✔ How proper planning can improve profitability

If you own a dental practice or business with equipment investments, this is an important topic to understand.

📅 To book a call with me personally, click the link below:
https://www.raymonlestercpa.com/calendar

05/13/2026

Tax savings are great… but don’t let the tax deduction drive the entire decision.

With the aggressive depreciation opportunities available under the “One Big Beautiful Bill,” many business owners are considering equipment purchases to reduce taxable income.

That can be a smart move......IF the equipment also helps your business:

✔ Increase revenue
✔ Improve efficiency
✔ Reduce labor or operating costs
✔ Improve customer service or production
✔ Position the company for future growth

A tax deduction alone doesn’t create profitability. The right investment should strengthen both your tax position AND your bottom line.

Smart business owners look beyond the deduction and focus on return on investment.

05/11/2026

One of the most common bookkeeping mistakes business owners make is not knowing when to capitalize an item as an asset versus expensing it immediately.

That decision can impact your profit, taxes, cash flow, and financial reporting.

The key question is:
👉 Will this item benefit the business beyond the current year?

Good accounting isn’t just recording numbers… it’s understanding what the numbers mean.

05/06/2026

🏡💰 The Augusta Rule is one of the most overlooked tax strategies available to business owners.

In this short video, I break down:
✔ What the Augusta Rule is
✔ How it can allow business owners to receive tax-free income
✔ The IRS rules you must follow
✔ Common mistakes to avoid
✔ Why this strategy can be powerful for year-end tax planning

If you own a business and a home, this is definitely a strategy worth understanding.

📌 Need help with tax planning or business advisory services?
Schedule a consultation:
https://www.raymonlestercpa.com/calendar

05/05/2026

My wife treats half a tank of gas like it’s EMPTY 😂

I’m like… we can still drive across town, run errands, and maybe even take a quick trip!

But hey, I get it… some people like a full tank at all times.

Same thing I see with business owners, some operate on “just enough,” others want a cushion.

Which one are you?