Guardian Solutions CPA

09/07/2026

𝗜 𝗳𝗼𝗿𝗺𝗲𝗱 𝗮 𝗻𝗲𝘄 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗲𝗻𝘁𝗶𝘁𝘆. 𝗪𝗵𝗮𝘁 𝘀𝗵𝗼𝘂𝗹𝗱 𝗜 𝘂𝗽𝗱𝗮𝘁𝗲 𝗳𝗶𝗿𝘀𝘁?

Keeping your bookkeeping accurate starts with making sure the accounts tied to your business match your new legal name and EIN.

Once you have your new Employer Identification Number:
• Take it to your bank and open dedicated accounts under your new legal business name.
• Update Stripe, PayPal, Square, or other payment processors.
• Change your vendor accounts accordingly.
• Update your business insurance policies and client agreements over to the new company name and EIN.

The goal is for the accounts you use to get paid, pay bills, and do business to match the entity you’re actually operating under.

09/06/2026

What Is An Accountable Plan For Greater Richmond S Corp Owners?

What is an accountable plan, and how can it save S corp owners taxes? Learn how to extract cash tax-free for home office, cell, and mileage overhead.

09/04/2026

𝗪𝗵𝗮𝘁 𝘀𝗵𝗼𝘂𝗹𝗱 𝗜 𝗱𝗼 𝗶𝗳 𝗜 𝗮𝗰𝗰𝗶𝗱𝗲𝗻𝘁𝗮𝗹𝗹𝘆 𝗽𝗮𝘆 𝗮 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗯𝗶𝗹𝗹 𝗳𝗿𝗼𝗺 𝗺𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗮𝗰𝗰𝗼𝘂𝗻𝘁?

Leaving a personal charge in your accounting software as a business expense is a fast way to trigger tax issues and mess up your financial reporting.

Instead of leaving it there, reimburse the business promptly and record what happened.

And if you put personal money into the business, document that too. Depending on the situation, it may need to be recorded as a capital contribution or a formal loan.

09/04/2026

When starting a business, mistakes are going to happen! The goal is not perfection; it's progress 💪

09/03/2026

𝗔𝗿𝗲 𝘆𝗼𝘂 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 “𝗺𝗼𝗻𝗲𝘆𝗺𝗮𝘅𝘅𝗶𝗻𝗴” 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝗸𝗻𝗼𝘄𝗶𝗻𝗴 𝗶𝘁?

It’s the social media term for getting more value from your money, like cutting expenses or even putting rewards points to use.

𝘞𝘩𝘢𝘵’𝘴 𝘰𝘯𝘦 𝘸𝘢𝘺 𝘺𝘰𝘶’𝘳𝘦 𝘨𝘦𝘵𝘵𝘪𝘯𝘨 𝘮𝘰𝘳𝘦 𝘧𝘳𝘰𝘮 𝘺𝘰𝘶𝘳 𝘮𝘰𝘯𝘦𝘺 𝘳𝘪𝘨𝘩𝘵 𝘯𝘰𝘸?

09/02/2026

𝗖𝗼𝘂𝗹𝗱 𝗺𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝗽𝘂𝘁 𝗺𝘆 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗮𝘀𝘀𝗲𝘁𝘀 𝗮𝘁 𝗿𝗶𝘀𝗸?

If you’re operating as a sole proprietor, there’s no legal separation between you and your business.

So if your business can’t pay a creditor or gets hit with a lawsuit, your personal savings, home, or vehicles could be exposed too.

As your business grows, make sure the way you operate reflects that growth.

That may mean forming an LLC or corporation, then moving your business banking, contracts, insurance policies, vendor accounts, and payment processors into the company’s legal name.

The goal is to create a clearer line between what belongs to you personally and what belongs to the business.

𝘞𝘩𝘪𝘤𝘩 𝘱𝘢𝘳𝘵 𝘰𝘧 𝘴𝘦𝘱𝘢𝘳𝘢𝘵𝘪𝘯𝘨 𝘺𝘰𝘶𝘳 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘧𝘳𝘰𝘮 𝘺𝘰𝘶𝘳 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭 𝘧𝘪𝘯𝘢𝘯𝘤𝘦𝘴 𝘥𝘰 𝘺𝘰𝘶 𝘩𝘢𝘷𝘦 𝘲𝘶𝘦𝘴𝘵𝘪𝘰𝘯𝘴 𝘢𝘣𝘰𝘶𝘵? 𝘞𝘦 𝘸𝘰𝘶𝘭𝘥 𝘭𝘰𝘷𝘦 𝘵𝘰 𝘢𝘯𝘴𝘸𝘦𝘳 𝘵𝘩𝘦𝘮 𝘪𝘯 𝘵𝘩𝘦 𝘤𝘰𝘮𝘮𝘦𝘯𝘵𝘴.

08/31/2026

𝗛𝗼𝘄 𝗰𝗮𝗻 𝗜 𝘀𝗽𝗼𝘁 𝗰𝗮𝘀𝗵 𝘀𝗵𝗼𝗿𝘁𝗳𝗮𝗹𝗹𝘀 𝗶𝗻 𝗺𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗯𝗲𝗳𝗼𝗿𝗲 𝘁𝗵𝗲𝘆 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗵𝗮𝗽𝗽𝗲𝗻?
1. Map your annual lump-sum expenses alongside your regular monthly overhead.
2. Highlight your historical low-revenue months, so you know exactly when sales won't cover baseline costs.
3. Multiply your average monthly expenses by three to establish your ideal cash reserve buffer.

During peak months, sweep 5% to 10% of revenue into a separate reserve account to cover those lean periods without relying on high-interest credit lines.

𝘏𝘰𝘸 𝘧𝘢𝘳 𝘪𝘯 𝘢𝘥𝘷𝘢𝘯𝘤𝘦 𝘥𝘰 𝘺𝘰𝘶 𝘤𝘶𝘳𝘳𝘦𝘯𝘵𝘭𝘺 𝘱𝘳𝘰𝘫𝘦𝘤𝘵 𝘺𝘰𝘶𝘳 𝘤𝘢𝘴𝘩 𝘧𝘭𝘰𝘸?

08/30/2026

What Are the Disadvantages to Sole Proprietorship for Growing Greater Richmond Business Owners?

Discover the key disadvantages to sole proprietorship once profit hits $40k. Learn how self-employment tax eats into your revenue and when to switch.

08/28/2026

𝗔𝗺 𝗜 𝗮𝗰𝗰𝗶𝗱𝗲𝗻𝘁𝗮𝗹𝗹𝘆 𝘀𝗵𝗮𝗿𝗶𝗻𝗴 𝘀𝗲𝗻𝘀𝗶𝘁𝗶𝘃𝗲 𝗱𝗮𝘁𝗮 𝗲𝘃𝗲𝗿𝘆 𝘁𝗶𝗺𝗲 𝗜 𝘁𝘆𝗽𝗲 𝗮 𝗽𝗿𝗼𝗺𝗽𝘁 𝗶𝗻𝘁𝗼 𝗔𝗜?

You could be. Time to fix that.

(We already make sure all privacy settings are enabled for any AI tools we use here.)

https://www.zdnet.com/article/how-to-keep-ai-conversations-private-chatgpt-gemini-copilot-claude/

08/28/2026

Tax tip! Listen up, if you are thinking of setting up an office shed from home!👇