Cherie Sayban CPA

10/08/2026

A generational shift is coming: $30 trillion is expected to pass to women by the end of the decade.

As a result, women of all ages will eventually need to shoulder great financial responsibility.

They must organize their affairs to fund their longer lives, set up a way to pay for long-term care, and direct the distribution of their assets in a way that they desire — whether they are married, widowed, divorced, single, or in blended families where there are kids from prior marriages.

Read the full article here: https://ow.ly/oh4q50ZQZOG

Estate planning for women must account for longer lifespans, interrupted work lives and other gender differences. It's crucial for their financial and physical health.

10/07/2026

Financial challenges don't usually appear overnight. Often, there are warning signs that can indicate underlying issues before they become larger problems.

Monitoring cash flow, reviewing financial reports regularly and staying on top of expenses and payments can help business owners make informed decisions and maintain a stronger financial foundation.

Recognizing these red flags early can make a significant difference in long-term business success.

10/06/2026

Many business owners breathe a sigh of relief once tax season is over.

But according to this article, that may be exactly when tax planning should begin.

Q2 & Q3 are a great times to review last year's tax bill, evaluate upcoming business decisions, and make adjustments before year-end. Whether you're hiring, investing in your business, or planning for growth, understanding the tax impact ahead of time can help you avoid costly surprises.

One key takeaway: tax planning shouldn't be a once-a-year event—it should be part of your overall business strategy.

Read the article here: https://ow.ly/V0Rz50ZQZyk

Don't wait until Q4 to talk to your tax adviser or CPA. Business owners and the self-employed should be using April's tax return to shape the rest of the year.

10/05/2026

Setting financial goals is an important part of maintaining a healthy business. Simple habits like reconciling accounts, monitoring profitability, and reviewing financial reports can provide valuable insight and help support more informed decision-making.

Consistently reviewing your numbers can help you stay organized, identify trends, and plan for future growth.

Visit me at CherieSaybanCPA.com to learn more about my accounting, bookkeeping, and tax services.

10/01/2026

After working with hundreds of SaaS founders as a CPA and CEO of Dimov Tax, I’ve seen the same financial landmines show up repeatedly. The good news is they’re almost always avoidable. Building a SaaS company is hard enough already—these mistakes only make it harder.

A bit of proactive planning is often the difference between chaos and a scalable, investable business.

Here are seven of the most common financial mistakes SaaS founders make — and how to avoid them: https://www.entrepreneur.com/starting-a-business/7-costly-financial-mistakes-that-can-quietly-derail-a/501766

From weak bookkeeping and tax missteps to contractor errors and missed incentives, these seven financial mistakes can quietly drain cash, increase risk and slow startup growth before founders even notice.

09/30/2026

Year-End Tax Planning Starts Now—Not in December.

The months leading up to year-end are the perfect time to make strategic financial decisions that could reduce your tax liability and maximize available incentives.

Here are a few smart steps to consider before the year comes to a close:

✔️ Conduct an energy audit to identify efficiency opportunities.

✔️ Schedule capital improvements so qualifying projects are placed into service at the right time.

✔️ Consult with your tax professional to ensure you have the proper documentation and certifications.

✔️ Bundle eligible energy credits whenever possible to maximize your tax benefits.

✔️ Explore direct pay or transferability options if they apply to your business.

Proactive planning today can help you avoid missed opportunities tomorrow.

Need guidance navigating year-end tax strategies? Cherie Sayban CPA is accepting new bookkeeping, accounting, and tax clients through October 30. Let's work together to position your business for a stronger financial finish to the year.

📞 Contact us today at CherieSaybanCPA.com to schedule your consultation.

09/29/2026

There are over 36.2 million small businesses in the U.S., according to the Small Business Administration (SBA). If you want to be one of them, you might want to start your business in the South if you want it to thrive, a new report suggests.

Read more here: https://www.forbes.com/advisor/business/best-us-cities-to-start-a-small-business-in-2026-lmandp5/

There are over 36.2 million small businesses in the U.S., according to the Small Business Administration (SBA). If you want to be one of them, you might want to start your business in the South if you want it to thrive, a new report suggests. An analysis by coworking space director company Cowork

09/28/2026

6 Accounting Terms Every Small Business Owner Should Know!

Running a successful business means understanding more than just sales. Knowing these key financial terms can help you make smarter business decisions year-round.

💰 1. Gross Income – The total revenue your business earns before any expenses are deducted.

📈 2. Net Income – What's left after all business expenses are paid—your true profit.

🧾 3. Expense – The costs of operating your business, from office supplies to marketing and payroll.

👤 4. Owner's Draw – Money you take out of the business for personal use (not considered a business expense).

🏦 5. Liability – Debts or financial obligations your business owes, such as loans, credit cards, or unpaid bills.

📋 6. Accounts Receivable – Money your customers owe you for products or services you've already provided.

Understanding these six terms is the foundation for making confident financial decisions and keeping your business healthy.

📅 Cherie Sayban CPA is now accepting new bookkeeping, accounting, and tax clients through October 30. Whether you're just getting started or ready to take control of your finances, we're here to help.

📞 Reach out today to schedule a consultation!

09/24/2026

A recent QuickBooks financial literacy report found that one in three (32%) business owners review their returns promptly, when things are still fresh in their memory. But don't wait for clients to take action. Get the ball rolling yourself.

Here are 10 reasons why being proactive with your clients can lead to enhanced business opportunities down the road: https://ow.ly/BlCe50ZNtT2

Here are 10 tactics for transforming your client's return from a compliance document to a planning and business development tool.

09/23/2026

🚨 Big Change for Businesses: The 1099-NEC Reporting Threshold Is Increasing

Starting with the new reporting requirements, the filing threshold for Form 1099-NEC is increasing from $600 to $2,000.

What does this mean for your business?

✔️ Fewer 1099-NEC forms may be required for qualifying contractors.
✔️ Less administrative work for many small businesses.
✔️ You'll still need to maintain accurate records of all payments made throughout the year.

While this update may simplify reporting, it's important to understand when the new threshold applies and ensure your bookkeeping stays current to remain compliant.

Not sure how these changes affect your business? That's what we're here for.

📅 Cherie Sayban CPA is now accepting new bookkeeping, accounting, and tax clients through October 30. Let's make sure your business is prepared for year-end and beyond.

📞 Contact us today to schedule a consultation.