Small Businesses

Plan your Florida business exit with tax, valuation, and financial considerations that can help you understand what you may actually keep from a future sale.

Learn how quarterly estimated taxes work for small business owners, including who pays, safe harbor rules, due dates, and cash flow planning tips.

Learn proactive tax planning for small business owners, including S corp strategies, deductions, retirement plans, and year-round ways to reduce taxes.

Learn how to choose a financial advisor for small business owners who understands taxes, cash flow, investments, retirement planning, and business exits.

Learn how HVAC, plumbing, and electrical business owners can manage seasonal cash flow, build reserves, forecast expenses, control working capital, and prepare for slower months.

Learn how to price HVAC, plumbing, and electrical jobs using direct costs, fully burdened labor, overhead, and a target profit margin.

Learn how HVAC, plumbing, and electrical business owners can determine an appropriate salary, distributions, and total compensation without weakening business cash flow.

Learn the most important financial KPIs for HVAC, plumbing, and electrical companies, including gross margin, labor efficiency, average ticket, overhead, cash flow, and maintenance agreement growth.

Learn what HVAC, plumbing, and electrical business owners should understand before selling to private equity, including valuation, rollover equity, earnouts, due diligence, taxes, and life after the sale.

Learn how HVAC, plumbing, and electrical business owners can prepare for a future sale with a practical five year exit planning roadmap

Learn what a healthy profit margin may look like for an HVAC, plumbing, or electrical business and which factors can affect profitability.

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.

Compare an LLC and S-corporation election for an HVAC, plumbing, or electrical business, including taxes, payroll, liability, administration, and owner compensation.

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

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

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

Compare SEP IRA, SIMPLE IRA, and Solo 401(k) plans for 2026. Learn contribution limits, eligibility rules, and which retirement plan may fit your small business or self-employment income. By Kendall Maccagnan, CPA, CFP® and Financial Advisor in Tampa, Florida Key Takeaways SEP IRAs, SIMPLE IRAs, and Solo 401(k) plans are three common retirement options for small business owners, each with different contribution structures and requirements SEP IRAs offer simplicity and flexib

Learn how Solo 401(k) plans work in 2026, including contribution limits, tax benefits, eligibility rules, and key deadlines for small business owners. By Kendall Maccagnan, CPA, CFP® and Financial Advisor in Tampa, Florida Key Takeaways A Solo 401(k) is designed for self-employed individuals and business owners with no employees (other than a spouse), and may allow for higher contribution flexibility compared to other retirement plans In 2026, total contributions may reach up

Learn some of the most important 2025 tax changes for small business owners, including updates to Section 179, bonus depreciation, R&D expensing, and interest deductions. Understand how these changes may impact your tax return and planning strategies for 2025 and beyond. By Kendall Maccagnan, CPA, CFP® and Financial Advisor in Tampa, Florida Key Takeaways Several 2025 tax law changes for small businesses increase immediate expensing opportunities, including higher Section 179