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Compare retirement plan options for HVAC, plumbing, and electrical business owners, including SEP IRAs, SIMPLE IRAs, 401(k)s, profit-sharing plans, and cash balance plans.

Learn the difference between SDE and EBITDA, and why the one that applies to you depends on your size, structure, and how dependent the business is on the owner. By Kendall Maccagnan, CPA, CFP® and Financial Advisor in Tampa, Florida SDE (Seller’s Discretionary Earnings) and EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) are both earnings metrics used to value a business. SDE adds back the owner’s full compensation and is generally used for smaller b

A real world investment property analysis showing how financing costs, operating expenses, and cash flow projections can change an investor’s strategy. By Kendall Maccagnan, CPA, CFP® and Financial Advisor in Tampa, Florida Adaptation in Real Estate This case study is based on an actual investment property analysis and details have been rounded and simplified for educational purposes. An investor purchased an investment property initially thinking they would rent it through A

Learn some of the most important 2026 tax changes for small businesses including updates to the QBI deduction, excess business loss limitations, employer credits, reporting thresholds, and pass-through tax planning strategies. By Kendall Maccagnan, CPA, CFP® and Financial Advisor in Tampa, Florida Key Takeaways Enhancements to the QBI deduction and expanded phase-in ranges may allow more pass-through business owners to benefit from the 20% deduction The excess business loss

Learn how real estate professional status (REPS) works, including qualification rules, material participation requirements, and documentation expectations. Understand when rental losses may be treated as nonpassive and how the IRS evaluates eligibility. By Kendall Maccagnan, CPA, CFP® and Financial Advisor in Tampa, Florida Key Takeaways Rental real estate is generally treated as a passive activity unless specific requirements are met To qualify for REPS you must spend more t

LLC vs S Corp: Learn the key tax differences, self-employment tax impact, and when an S Corporation election may make sense for business owners. By Kendall Maccagnan, CPA, CFP® and Financial Advisor in Tampa, Florida Key Takeaways LLCs and S Corporations both offer liability protection and pass-through taxation, but differ in how income is treated for tax purposes LLC owners generally pay self-employment tax on all business profits, while S Corporation owners may split income