Josette Bazzo CPA

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Josette Bazzo CPA Advanced tax strategy for PT owners scaling beyond $500K.

09/28/2026

PT practice owners: Quick question as we head into Q4.

Which of these feels hardest to get a handle on right now?

A. How much I'm actually going to owe in taxes
B. Whether there's anything I can still do before year-end to lower my tax bill
C. How much cash I should keep in the business vs. take out
D. Whether I'm paying myself the right amount
E. Something else — tell me below

I'm curious what feels most unclear right now.

I recently launched A Better Measure, a new publication for profitable business owners who want to make better decisions...
09/12/2026

I recently launched A Better Measure, a new publication for profitable business owners who want to make better decisions about what their money is actually building.⁣
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Because earning more profit is one thing.⁣
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Knowing what to do with it — how much to keep, what to reserve for taxes, what to invest, what to put toward retirement, and how to turn business success into greater freedom — is another.⁣
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Through Monday, September 14 at noon MT, I’m offering my Practice Strategy Founder Membership for $397 (normally $497).⁣
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It includes a full year of paid access to A Better Measure, plus a private Profit & Purpose Planning Session with me.⁣
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We’ll look at your business, your profit, your priorities, and the financial decisions in front of you — and identify what deserves your attention next.⁣
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If your business is profitable but you’re wondering what your next financial move should be, this is exactly the kind of work I created A Better Measure to help with.⁣
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The Founder offer ends Monday, September 14 at noon MT.⁣
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Join here:⁣
josettebazzocpa.substack.com

If your PT practice is 𝐩𝐫𝐨𝐟𝐢𝐭𝐚𝐛𝐥𝐞 𝐛𝐮𝐭 𝐲𝐨𝐮’𝐫𝐞 𝐬𝐭𝐢𝐥𝐥 𝐰𝐨𝐧𝐝𝐞𝐫𝐢𝐧𝐠 𝐰𝐡𝐞𝐫𝐞 𝐚𝐥𝐥 𝐭𝐡𝐞 𝐦𝐨𝐧𝐞𝐲 𝐢𝐬 𝐠𝐨𝐢𝐧𝐠, start here.⁣⁣Growing revenue ...
09/10/2026

If your PT practice is 𝐩𝐫𝐨𝐟𝐢𝐭𝐚𝐛𝐥𝐞 𝐛𝐮𝐭 𝐲𝐨𝐮’𝐫𝐞 𝐬𝐭𝐢𝐥𝐥 𝐰𝐨𝐧𝐝𝐞𝐫𝐢𝐧𝐠 𝐰𝐡𝐞𝐫𝐞 𝐚𝐥𝐥 𝐭𝐡𝐞 𝐦𝐨𝐧𝐞𝐲 𝐢𝐬 𝐠𝐨𝐢𝐧𝐠, start here.⁣
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Growing revenue is one thing. Knowing what to do with the profit is another.⁣
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How much should stay in the practice?⁣
How much should you reserve for taxes?⁣
How much can you safely pay yourself?⁣
Should extra cash go toward debt, investing, retirement, or growth?⁣
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I’m Josette Bazzo, CPA, and I help PT practice owners make better financial decisions with the profit their businesses create.⁣
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I created the Profit-to-Freedom Diagnostic to help you identify where your profit decisions may be getting stuck and which area deserves attention first.⁣
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𝐂𝐨𝐦𝐦𝐞𝐧𝐭 𝐅𝐑𝐄𝐄𝐃𝐎𝐌 and I’ll send it to you.

Your PT practice had its best revenue year ever.⁣⁣So why don't you feel like you're making any more money?⁣⁣This is one ...
08/13/2026

Your PT practice had its best revenue year ever.⁣
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So why don't you feel like you're making any more money?⁣
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This is one of the biggest disconnects I see with growing practices.⁣
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Revenue goes up.⁣
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More patients. More providers. More payroll. More complexity.⁣
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And the owner assumes:⁣
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𝐈𝐟 𝐰𝐞 𝐤𝐞𝐞𝐩 𝐠𝐫𝐨𝐰𝐢𝐧𝐠, 𝐞𝐯𝐞𝐧𝐭𝐮𝐚𝐥𝐥𝐲 𝐈'𝐥𝐥 𝐟𝐞𝐞𝐥 𝐭𝐡𝐞 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐜𝐞 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥𝐥𝐲.⁣
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But revenue isn't the number that tells you whether your business is actually creating more financial freedom for you.⁣
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Before you set another growth goal, pull your numbers and compare just three things to last year:⁣
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Revenue.⁣
Net profit.⁣
What actually made it to you as the owner. (Salary + Distributions)⁣
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If revenue grew 20% but the other two barely moved, you don't necessarily have a growth problem.⁣
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You have something much more useful:⁣
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**a clue about where to look next.**⁣
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A bigger practice isn't automatically a better business.⁣
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The goal is to build a business that actually works for the life you're trying to create.⁣
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Growing your PT practice is one thing. 𝐊𝐞𝐞𝐩𝐢𝐧𝐠 𝐦𝐨𝐫𝐞 of what you build is another.⁣⁣You can grow revenue, see more patien...
08/11/2026

Growing your PT practice is one thing. 𝐊𝐞𝐞𝐩𝐢𝐧𝐠 𝐦𝐨𝐫𝐞 of what you build is another.⁣
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You can grow revenue, see more patients, build a great team and still find yourself wondering:⁣
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Why is my tax bill always a surprise?⁣
Why doesn't the cash seem to match the revenue?⁣
When does all this hard work start creating real financial freedom?⁣
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I created a free guide specifically for growing PT practice owners:⁣
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**The 7 Tax Strategies Every Growing PT Practice Should Implement**⁣
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Inside, I walk through 7 areas worth paying attention to as your practice grows including proactive tax planning, entity structure, compensation, the financial numbers that actually matter, and using tax strategy to help build long-term wealth.⁣
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It's a practical 15-minute read designed to help you identify where your next financial decision could have the biggest impact.⁣
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𝐆𝐫𝐚𝐛 𝐲𝐨𝐮𝐫 𝐟𝐫𝐞𝐞 𝐜𝐨𝐩𝐲 𝐡𝐞𝐫𝐞:⁣
https://vitalcoretax.kit.com/8a68d35f99⁣
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PT Practice Owners: Where are you trying to go and is “more” actually getting you there?⁣⁣As business owners, we're cons...
08/10/2026

PT Practice Owners: Where are you trying to go and is “more” actually getting you there?⁣
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As business owners, we're constantly encouraged to grow.⁣
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More revenue. More profit. More clients. More locations. A bigger team.⁣
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And there's nothing wrong with growth.⁣
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But for PT practice owners, I think there's a question worth asking before automatically setting the next revenue goal:⁣
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What is the growth actually for?⁣
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I've seen businesses grow revenue substantially without becoming more profitable—or giving the owner any more freedom.⁣
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Sometimes growth creates exactly what we hoped it would: more profit, greater impact, a business that can operate without us, and more freedom.⁣
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And sometimes it just creates more revenue, more employees, more complexity and more responsibility.⁣
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So maybe the question isn't simply:⁣
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“How do I get to the next number?”⁣
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Maybe it's:⁣
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“Where am I trying to go and is more actually getting me there?”⁣
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I explored this more today in today's 𝘈 𝘉𝘦𝘵𝘵𝘦𝘳 𝘔𝘦𝘢𝘴𝘶𝘳𝘦 on Substack:⁣
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Enough Is a Financial Strategy⁣
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https://josettebazzocpa.substack.com/p/enough-is-a-financial-strategy⁣

Every dollar your business earns has a job.⁣⁣Some should pay taxes.⁣⁣Some should build reserves.⁣⁣Some should be reinves...
07/27/2026

Every dollar your business earns has a job.⁣
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Some should pay taxes.⁣
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Some should build reserves.⁣
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Some should be reinvested.⁣
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Some should build wealth outside the business.⁣
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And some should be given away.⁣
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The goal isn't to spend everything your business produces.⁣
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The goal is to steward it wisely so it creates greater freedom, greater opportunity, and greater impact.⁣
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𝐇𝐨𝐰 𝐝𝐨 𝐲𝐨𝐮 𝐝𝐞𝐜𝐢𝐝𝐞 𝐰𝐡𝐚𝐭 𝐞𝐚𝐜𝐡 𝐝𝐨𝐥𝐥𝐚𝐫 𝐬𝐡𝐨𝐮𝐥𝐝 𝐝𝐨 𝐛𝐞𝐟𝐨𝐫𝐞 𝐲𝐨𝐮 𝐬𝐩𝐞𝐧𝐝 𝐢𝐭?⁣
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The Revenue Trap: Why a Busy PT Practice Can Still Be Broke⁣⁣Your schedule is full.⁣⁣New patients are coming in.⁣⁣Revenu...
07/16/2026

The Revenue Trap: Why a Busy PT Practice Can Still Be Broke⁣
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Your schedule is full.⁣
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New patients are coming in.⁣
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Revenue is higher than it's ever been.⁣
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So why does it still feel like there's never enough money?⁣
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If you've ever wondered that, you're not alone.⁣
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One of the biggest mistakes I see PT practice owners make is assuming that more revenue automatically means a healthier business.⁣
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It doesn't.⁣
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I've worked with businesses that generated over $1 million a year and still felt like they were living month to month.⁣
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Here's why.⁣
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Revenue is simply the money that comes in the door.⁣
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It doesn't tell you:⁣
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* How much you're actually keeping.⁣
* Whether your payroll is too high.⁣
* If you're underpricing your services.⁣
* Whether your tax bill is quietly eating your profits.⁣
* If you're paying yourself what's left over instead of what you've intentionally planned.⁣
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When you only watch revenue, it's like driving a car while staring at the speedometer.⁣
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You're moving...⁣
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But you have no idea if you're about to run out of gas.⁣
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The practices that consistently build wealth don't obsess over top-line revenue.⁣
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They know their numbers.⁣
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They understand where every dollar goes.⁣
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They make decisions based on profit, cash flow, and the handful of key metrics that actually predict financial health.⁣
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Revenue creates excitement.⁣
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Profit creates freedom.⁣
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If your practice is growing but your bank account isn't, the answer usually isn't "work harder."⁣
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It's getting clarity on what your numbers are trying to tell you.⁣
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**Question:** Have you ever had a month where revenue looked great, but your bank account told a completely different story?⁣

It's July 1.⁣⁣Half the year is gone.⁣⁣Here's the question every PT practice owner should be asking...⁣⁣If you keep doing...
07/01/2026

It's July 1.⁣
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Half the year is gone.⁣
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Here's the question every PT practice owner should be asking...⁣
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If you keep doing exactly what you've been doing for the next six months...⁣
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Will you be happy with where your practice ends up on December 31?⁣
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Most owners immediately think:⁣
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I need more patients.⁣
I need another therapist.⁣
I need better marketing.⁣
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But before any of that, I'd look at the fundamentals.⁣
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Every successful practice eventually has to answer questions like:⁣
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• Am I consistently profitable?⁣
• Do I know which numbers actually matter at my current stage of growth?⁣
• Is cash flow improving, or am I just getting busier?⁣
• Am I making decisions based on data or just hoping things work out?⁣
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The biggest breakthroughs usually don't come from chasing the next shiny strategy.⁣
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They come from mastering the basics.⁣
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July is the perfect time to pause, evaluate, and make small adjustments before year-end.⁣
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Six months is plenty of time to change your financial trajectory.⁣
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What's one financial or business question you're wrestling with as we head into the second half of the year? ⁣
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Drop it below, and I'll do my best to help.

06/29/2026

I'm curious how other physical therapy practice owners think about this...⁣
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If your practice generated an extra $100,000 in profit this year, what would you do first?⁣
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A. Hire another PT⁣
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B. Pay yourself more⁣
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C. Open another location⁣
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D. Invest outside the business⁣
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I'd love to hear your thoughts. If you're a PT owner and enjoy these kinds of discussions, come join us in 𝐓𝐚𝐱 𝐓𝐚𝐥𝐤 𝐟𝐨𝐫 𝐏𝐓 𝐁𝐢𝐳 𝐎𝐰𝐧𝐞𝐫𝐬.

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