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Fraud Is Up: How Wealthy Families Get Targeted and How to Bulletproof Your Process
Fraud has always followed wealth. Today, the speed, realism and scale of attacks have increased. Attackers use public data, clone voices, spoof emails and phone numbers and pressure well-meaning employees into wiring large sums within minutes. For affluent families and their professional teams, fraud attempts are inevitable. The real question is whether your process can…
Read MoreThe Six Million Dollar Gamble
Effective January 1, 2026, the federal lifetime estate tax exclusion amount is increased to $15,000,000. For the first to die of a married couple with an estate under $15 million, are you willing to risk losing up to $6 million by not electing to file a federal estate tax return for portability purposes? What Is…
Read MoreLike the Bears: from Wild Card to Super Bowl: Why Great Teams Need a Great Quarterback and Why F+H Should Be Yours
NFL playoff football has a way of sharpening everything. The stadiums are louder, the decisions are faster, and the margin for error is razor thin. This year the NFL playoffs have never been better. The competition is intense and survival in the playoffs is dependent on how prepared each team is with the fundamentals and how their…
Read MoreIs Your Fee Structure Costing You Customers?
Key Takeaways Pricing influences profitability and customer perception, and misalignment can reduce both margin and market share. Understanding cost, customer value, competitor behavior and your pricing model leads to stronger pricing decisions. Regular pricing reviews help maintain profitability and strengthen customer confidence. Pricing is one of the most powerful levers for improving profitability, yet many business owners revisit it…
Read MoreBalance Sheet Ratios Every Business Owner Should Monitor
Key Takeaways A few key balance sheet ratios can help owners quickly understand liquidity, leverage, and the overall financial footing of their business. Reviewing ratios on a consistent schedule highlights shifts in performance earlier than traditional reports. These tools support clearer decisions about cash management, staffing needs and long-term planning. Many business owners rely on instinct when evaluating financial health,…
Read MoreThe Most Overlooked Red Flags Hiding in Your Balance Sheet
Key Takeaways Consistent financial reviews help reveal risks before they disrupt performance. Tracking trends in cash flow, debt and margins supports long-term stability. Transparent accounting builds trust and stronger financial decision-making. Why Should Business Owners Review Their Balance Sheets Regularly? Reviewing your balance sheet regularly is one of the most effective ways to identify…
Read MoreNo Tax on Overtime & No Tax on Tips
“No Tax on Overtime”: What Changed, Who Benefits, and How to Capture It Starting with tax year 2025 (returns filed in 2026), federal law created a temporary income-tax deduction for qualified overtime compensation through 2028. In plain terms: the overtime premium—the “and-a-half” portion required under the Fair Labor Standards Act (FLSA)—may be deducted against federal…
Read MoreYear-End 2025 Tax Planning: A Practical Guide for Individuals
If you only do deep tax housekeeping once a year, make it now. With new 2025 rules, several “sunsets” that were expected for 2026 were reshaped by the One Big Beautiful Bill Act (OBBBA), and inflation-indexed thresholds, smart moves before December 31 can meaningfully lower what you owe next spring and set you up for…
Read MoreIRS Announces 2026 Retirement Account Inflation Adjustments
For 2026, the employee elective deferral limit for 401(k), 403(b), most governmental 457(b) plans, and the federal Thrift Savings Plan increases to $24,500 (up from $23,500 for 2025). Standard limit (under age 50): Up to $24,500 in salary deferrals. Age 50+ catch-up: Catch-up contributions increase to $8,000 (from $7,500). Total possible employee contribution for age…
Read MoreWhat Does TCJA Mean for Your Year-End Tax Strategy?
Key Takeaways The One Big Beautiful Bill Act (OBBBA) makes most Tax Cuts and Jobs Act (TCJA) provisions permanent, keeping lower brackets, a larger standard deduction, and full business expensing in place. Temporary deductions for overtime pay, tips, and auto loan interest are available through 2028, creating short-term opportunities for additional savings. Business owners should…
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