10/01/2026
October is here.
And with it comes something I think about every year at this time: the last real window to shape how this year ends.
Not the last window to file. Not the last window to panic. The last window to actually do something.
The decisions that change what a business owner owes — or keeps — between now and December 31 are still available. Retirement contributions, equipment purchases, entity elections, income timing, contractor reviews. They're all still on the table.
But the table doesn't stay set forever.
Q4 tends to move fast. And it has a way of arriving at year-end as either something you planned for or something that happened to you.
If you haven't had a year-end planning conversation yet, October is the right time. Not because there's urgency in the alarming sense — but because the later you start, the fewer options you have.
Where does your year stand so far?