Quantinuum CPA

10/27/2026

The founder of Ring still puts his personal email address on every product box so he can get real intel from customer emails that land in his inbox.

Talk about a customer care strategy!

The entrepreneur says customer emails give him “ground truth data.” Experts say the tactic only works under one condition.

10/27/2026

𝗖𝗮𝗻 𝗜 𝗱𝗼𝗻𝗮𝘁𝗲 𝘀𝘁𝗼𝗰𝗸𝘀 𝘁𝗼 𝗰𝗵𝗮𝗿𝗶𝘁𝘆 𝗶𝗻𝘀𝘁𝗲𝗮𝗱 𝗼𝗳 𝗰𝗮𝘀𝗵 𝗮𝗻𝗱 𝘀𝗮𝘃𝗲 𝗼𝗻 𝘁𝗮𝘅𝗲𝘀?

Yes, donating appreciated stock avoids capital gains tax, and you can deduct full fair market value if you itemize and held them over a year.

Before writing a check, consider transferring shares to maximize your charitable impact.

10/26/2026

𝗖𝗮𝗻 𝗳𝗶𝗹𝗶𝗻𝗴 𝗮𝗻 𝗢𝗳𝗳𝗲𝗿 𝗶𝗻 𝗖𝗼𝗺𝗽𝗿𝗼𝗺𝗶𝘀𝗲 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗴𝗶𝘃𝗲 𝘁𝗵𝗲 𝗜𝗥𝗦 𝗺𝗼𝗿𝗲 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗰𝗼𝗹𝗹𝗲𝗰𝘁 𝗺𝘆 𝘁𝗮𝘅 𝗱𝗲𝗯𝘁?

Yes, when you submit an Offer in Compromise and it's pending, the IRS collection clock stops running.

Here's why that matters… The IRS has 10 years from the date your tax debt was assessed to collect it. That deadline is called the Collection Statute Expiration Date (CSED).

But when your settlement offer is pending, that 10-year clock is suspended.

So, if the IRS spends months reviewing your offer and ultimately rejects it, you've extended the amount of time the agency has to pursue collection.

You could also lose money on the application fee and initial payment without getting the debt settled.

If you're considering an Offer in Compromise, reach out before filing. We can review your IRS account history and determine whether an offer makes sense for your situation.

10/23/2026

𝗪𝗵𝗮𝘁 𝗶𝘀 𝗼𝗻𝗲 𝗺𝗼𝗻𝗲𝘆 𝗺𝗼𝘃𝗲 𝘆𝗼𝘂 𝘄𝗶𝘀𝗵 𝘆𝗼𝘂 𝗰𝗼𝘂𝗹𝗱 𝘁𝗮𝗸𝗲 𝗯𝗮𝗰𝗸?

It's probably on this list of spending decisions that haunt Americans long after Halloween.

Many Americans (60%) have spent money on something expensive they later regretted, and a majority with regrets have more than one, according to a new NerdWallet survey.

10/22/2026

𝗖𝗮𝗻 𝘁𝗵𝗲 𝗜𝗥𝗦 𝗽𝗲𝗻𝗮𝗹𝗶𝘇𝗲 𝗺𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗳𝗼𝗿 𝗸𝗲𝗲𝗽𝗶𝗻𝗴 𝘁𝗼𝗼 𝗺𝘂𝗰𝗵 𝗺𝗼𝗻𝗲𝘆 𝗶𝗻 𝘁𝗵𝗲 𝗯𝗮𝗻𝗸?

Yes, the IRS can impose an Accumulated Earnings Tax on C corporations that retain profits beyond their reasonable business needs to avoid paying shareholder dividend taxes.

The tax rate is 20%. But having a large cash balance doesn't automatically mean you owe this tax. The IRS first looks at 𝘸𝘩𝘺 your corporation is holding onto that money.

Maybe you're building reserves to cover operating expenses during a slow period. Or you're planning a major equipment purchase.

Those are legitimate reasons for retaining cash, but you still need documentation showing why the money is necessary.

𝘞𝘩𝘢𝘵 𝘧𝘶𝘵𝘶𝘳𝘦 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘦𝘹𝘱𝘦𝘯𝘴𝘦𝘴 𝘢𝘳𝘦 𝘺𝘰𝘶 𝘣𝘶𝘪𝘭𝘥𝘪𝘯𝘨 𝘢 𝘤𝘢𝘴𝘩 𝘳𝘦𝘴𝘦𝘳𝘷𝘦 𝘧𝘰𝘳?

10/22/2026

𝗖𝗮𝗻 𝘁𝗵𝗲 𝗜𝗥𝗦 𝘁𝗮𝗸𝗲 𝗺𝗼𝗻𝗲𝘆 𝗱𝗶𝗿𝗲𝗰𝘁𝗹𝘆 𝗳𝗿𝗼𝗺 𝗺𝘆 𝗽𝗮𝘆𝗰𝗵𝗲𝗰𝗸 𝗶𝗳 𝗜 𝗼𝘄𝗲 𝗯𝗮𝗰𝗸 𝘁𝗮𝘅𝗲𝘀?

Yes, if your tax debt reaches the levy stage, the IRS can send a wage levy to your employer, requiring them to send part of your pay to the IRS.

But before that happens, you have 30 days from the date of the notice to request a hearing to challenge it.

10/21/2026

Types of Prepaid Expenses to Optimize Your Cleveland Business's Cash Flow Before Dec 31

Cut your 2026 business taxes before Dec 31. Claim the prepaid expense deduction for tax savings on software, rent, and insurance.

10/21/2026

𝗖𝗮𝗻 𝗖𝗵𝗮𝘁𝗚𝗣𝗧 𝗮𝗰𝗰𝘂𝗿𝗮𝘁𝗲𝗹𝘆 𝗰𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗲 𝗺𝘆 𝗜𝗥𝗦 𝘀𝗲𝘁𝘁𝗹𝗲𝗺𝗲𝗻𝘁 𝗶𝗳 𝗜 𝗼𝘄𝗻 𝗮 𝗵𝗼𝗺𝗲 𝘄𝗶𝘁𝗵 𝗮 𝘀𝗽𝗼𝘂𝘀𝗲 𝘄𝗵𝗼 𝗱𝗼𝗲𝘀𝗻'𝘁 𝗼𝘄𝗲 𝘁𝗵𝗲 𝘁𝗮𝘅 𝗱𝗲𝗯𝘁?

ChatGPT usually defaults to basic math (dividing your equity in half), but figuring out how much home equity the IRS can actually count toward your settlement is far more complex.

An AI tool can't accurately calculate this because it can't evaluate:
1. Your actual mortgage balance and payoff terms
2. Priority liens filed against the property
3. How your deed is titled and your spouse's legal ownership interest
4. IRS-specific valuation rules (like the Quick Sale Value discount)
5. State property laws governing marital assets (such as Tenancy by the Entirety or Community Property)

Those details matter because the IRS uses strict formulas to determine available equity.

If ChatGPT gets your available equity wrong, you could submit an offer the IRS rejects outright. Or worse, offer thousands of dollars more than the IRS is legally entitled to collect.

An AI chatbot can't read your deed or verify county records. When I review a potential settlement, I analyze the actual property and lien records before determining what equity should legally count.

If you're considering an IRS settlement and own property with a spouse who doesn't owe the tax debt, comment 𝗘𝗤𝗨𝗜𝗧𝗬 below. We can review how your ownership and property equity will actually affect the amount you offer the IRS.

10/20/2026

𝘋𝘰𝘯’𝘵 𝘸𝘢𝘪𝘵 𝘧𝘰𝘳 𝘑𝘢𝘯𝘶𝘢𝘳𝘺 𝘵𝘰 𝘳𝘦𝘴𝘦𝘵.

Take twenty minutes this week to decide which financial moves your future self will thank you for making right now.

10/20/2026

𝗛𝗼𝘄 𝗺𝘂𝗰𝗵 𝗰𝗮𝘀𝗵 𝘀𝗵𝗼𝘂𝗹𝗱 𝗜 𝗸𝗲𝗲𝗽 𝗶𝗻 𝗺𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗯𝗮𝗻𝗸 𝗮𝗰𝗰𝗼𝘂𝗻𝘁?

A good starting point is enough cash to cover three to six months of essential operating expenses. You'll also want to set aside money for taxes, based on what you expect to owe.

But the exact amount depends on how your business brings in money.

If you have predictable, recurring revenue (like monthly retainers or subscriptions), three months of expenses may be enough.

If you carry inventory, work on large projects, or experience big seasonal swings, you'll likely need closer to six months.

As for taxes, for most pass-through entities (LLCs, sole props), a good starting point is transferring 𝟮𝟱%–𝟯𝟬% 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗻𝗲𝘁 𝗺𝗼𝗻𝘁𝗵𝗹𝘆 𝗽𝗿𝗼𝗳𝗶𝘁 into a dedicated tax account to cover both income and self-employment taxes.

Remember, the IRS expects quarterly estimated payments, so you'll be emptying that reserve four times a year. (We can help you dial in your exact percentage.)

𝘏𝘰𝘸 𝘮𝘢𝘯𝘺 𝘮𝘰𝘯𝘵𝘩𝘴 𝘰𝘧 𝘦𝘴𝘴𝘦𝘯𝘵𝘪𝘢𝘭 𝘦𝘹𝘱𝘦𝘯𝘴𝘦𝘴 𝘤𝘰𝘶𝘭𝘥 𝘺𝘰𝘶𝘳 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘤𝘰𝘷𝘦𝘳 𝘳𝘪𝘨𝘩𝘵 𝘯𝘰𝘸 𝘸𝘪𝘵𝘩 𝘵𝘩𝘦 𝘤𝘢𝘴𝘩 𝘺𝘰𝘶 𝘩𝘢𝘷𝘦 𝘴𝘦𝘵 𝘢𝘴𝘪𝘥𝘦?