Xavier Financial Services

Xavier Financial Services Independent CPA with over 20 years of experience in financial services

10/09/2026

Football season is fully underway, and business owners are officially in the fourth quarter too.

We're early enough in October that we're not quite at the two-minute warning.

There is still plenty of clock to look at the scoreboard, see what is working, call an audible where necessary, and finish the year deliberately.

After next week's tax deadline, XFS will be turning more attention toward XFS projects that need to be completed before 2027.

For you, this might mean reviewing cash flow, staffing, equipment needs, tax exposure, or something that has been sitting on the list since spring.

You have three months. That is meaningful time if you use it.

10/07/2026

I CAN'T WAIT for October 15 to come and go…

Once the extended filing deadline is behind us, I can shift more attention toward the projects that help build XFS for the next year. In October 2026, that means continued CRM development, refining our marketing strategy, and tightening a few internal processes.

Those projects are easy to postpone when client work is busy because none of them come with an IRS deadline attached. However on October 16th, I have to begin answering a different question: what can I finish now that will make XFS operate better on January 1?

That is a useful question for any business owner heading into Q4.

Look inward, self assess, and plan for success in 2027.

10/06/2026

The fourth quarter is here, and there is still time to make meaningful business decisions before year-end.

A useful, inward Q4 review should answer a few basic questions:
• How did the year actually go?
• What have you been postponing?
• What needs to be finished before January 1?
• Did the business perform better than expected?
• Do you understand what that means for taxes, cash flow, staffing, equipment, and next year’s plans?

October is early enough to act on what you find. You do not need to solve everything at once. Start by looking at the business clearly, then decide what deserves attention before the calendar runs out.

09/25/2026

I made a startling and morbid realization recently: I am now closer to retirement age than I am to college. We are deep in internal discussions to try and figure out how this happened.

Retirement itself does not feel all that close. I have enjoyed building Xavier Financial Services, working with new clients, and planning around how the firm can grow. I can easily imagine doing this for another 20 or 25 years.

Building a business makes you think about what happens beyond the next quarter or the next year. Who could step in if I needed help? What happens to clients if I am unavailable? What would I eventually want the firm to look like without me at the center of everything?

I do not have every answer yet, but those questions are getting more attention now, while there is still plenty of time to choose the answers.

09/23/2026

Looking at accounting practices to potentially acquire has changed the way I am thinking about succession planning. When you look at a business from the buyer’s side, you start noticing things the owner may not think much about day-to-day.

• How dependent is the business on one person?
• Are client relationships tied entirely to the owner?
• Are processes documented?
• Can someone else step in and keep things moving?

Those details can shape how transferable a business really is. It has also made me think differently about XFS. I am focused on building and growing the firm today, but the choices I make now will influence what I am able to do with the business years from now.

That has been an interesting perspective to gain while I am still very much in growth mode.

09/21/2026

Succession planning usually gets treated like a retirement issue. For business owners, however, it starts much earlier than that.

A good plan should answer some pretty practical questions:

• Who can make decisions if you are unavailable?
• Who knows your key client relationships?
• Can someone else actually keep the business operating?
• If there are multiple owners, what happens if one dies, becomes disabled, retires, or wants out?
• Does the buy-sell agreement actually reflect what everyone intends?

You may still be years away from selling or retiring and still need answers to those questions today. The business decisions you make while growing can have a major impact on the options available to you later.

09/18/2026

Welcome back, football. Let’s Go Birds (and Owls)!

September always gets my attention. Football is back, fall calendars are filling up, and we’re getting close enough to year-end to have a useful conversation about how the business is doing.

Before your calendar fills with the rest of the season, make some room to review your numbers. Bring your latest financials, any major changes from this year, and the decisions you’re considering for the next few months. That gives us a practical starting point for Q4 planning.

I’d be glad to sit down and work through it with you. Reach out to schedule your XFS Tax Health Check.

09/16/2026

Several conversations I had with clients this summer focused on whether their current business structure still fits where they’re headed.

As a business grows, its profit, ownership, and operating needs can change. Those changes give us a reason to revisit decisions made years earlier. Some of the work we begin now will shape planning for 2027 and beyond. We also need to understand what can still help in 2026, along with the cost and effort involved.

I like having these conversations while we have time to compare the options and involve the other advisors who need to participate.

If your business has changed materially this year, your structure deserves a fresh look.

09/14/2026

The first thing I look at in a year-end planning conversation is where your income and expenses are likely to land.

That starts with current books and a reasonable estimate of the remaining months. From there, we can evaluate whether the timing of planned purchases, retirement contributions, or other decisions deserves attention.

For businesses using cash-basis accounting, timing can affect which year income and deductions fall into. The rules matter, and any move needs to fit your cash flow and business needs. September gives us time to review those choices and coordinate the next steps.

If your business has had a strong year, let’s take a look at the numbers together.

Address

Lake Worth, FL
33467

Opening Hours

Monday 8:30am - 6:30pm
Tuesday 8:30am - 6:30pm
Wednesday 8:30am - 6:30pm
Thursday 8:30am - 6:30pm
Friday 8:30am - 6:30pm

Telephone

+15617394320

Website

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