Kingdom Financial

Kingdom Financial Kingdom Financial is here to offer solutions in every area of your financial life!

Purpose Driven Financial Coaching

"We help you and your family create a holistic financial strategy that is built on your unique purpose and personal values." Kingdom Financial is a full-service financial company, offering coaching in every area of your financial life. We strive to develop close relationships with our clients in order to give individual solutions based on your best interests and unique situations.

Summer often means vacation time. But if your employees don’t take accrued paid time off (PTO), it can be a problem. Dep...
06/23/2026

Summer often means vacation time.

But if your employees don’t take accrued paid time off (PTO), it can be a problem.

Depending on your policies and state laws, workers may lose unused PTO hours at year end.

Harms to your business can include lower productivity and greater fraud risk.

Encourage workers to use their PTO with a formal policy and regular reminders from supervisors.

If you offer a 401(k) plan, consider a PTO contribution program.

These programs allow employees to convert unused vacation hours to 401(k) plan contributions.

Call us at 618-594-1192 for help evaluating your PTO policies and developing strategies to keep unused PTO from becoming a liability.

Today’s finance and accounting (F&A) teams are under significant pressure. Tight deadlines, lean staffing, evolving regu...
06/23/2026

Today’s finance and accounting (F&A) teams are under significant pressure.

Tight deadlines, lean staffing, evolving regulations and growing compliance demands can lead to burnout, errors and turnover.

Retention isn’t just about compensation.

Practical operational improvements can make a real difference.

Consider automating repetitive tasks, clarifying approval workflows, cross-training staff to ease bottlenecks and leveraging external resources during peak times.

When your F&A team has the right structure and support, they’re more productive, accurate and engaged.

Call us at 618-594-1192 to brainstorm cost-effective ways to strengthen your financial operations.

SMALL BUSINESS OWNERS: If you think your income is too high for you to qualify to make Roth IRA contributions, think aga...
06/18/2026

SMALL BUSINESS OWNERS:

If you think your income is too high for you to qualify to make Roth IRA contributions, think again.

Many owners are eligible without realizing it because of various deductions for the self-employed.

A Roth IRA offers potential advantages over tax-deferred accounts.

Although Roth contributions aren’t deductible, qualified withdrawals won’t be taxed.

And you aren’t required to take withdrawals from your Roth IRA, meaning the account can continue to grow tax-free. Your heirs can also take tax-free withdrawals.

For help evaluating your Roth IRA eligibility and developing a long-term retirement strategy that aligns with your personal and financial goals, contact us at 618-594-1192.

Has administrative complexity discouraged your business from offering a 401(k) plan? Take a look at the safe harbor 401(...
06/17/2026

Has administrative complexity discouraged your business from offering a 401(k) plan?

Take a look at the safe harbor 401(k).

The employer contribution obligation generally exempts the plan from nondiscrimination testing and other onerous administrative duties.

Plus, this plan enables highly compensated employees to max out their contributions and can help attract and retain workers.

Typically, employees are eligible to participate if they're age 21 or older and have at least one year of service.

Call us 618-594-1192 for details.

It can be tough for small businesses to borrow money at favorable terms. But the U.S. Small Business Administration (SBA...
06/16/2026

It can be tough for small businesses to borrow money at favorable terms.

But the U.S. Small Business Administration (SBA) offers several loan programs to help small businesses grow and create jobs.

SBA loans of up to $5.5 million may be available and typically offer competitive interest rates and terms.

Applying and qualifying for an SBA loan may also be easier than for conventional loans.

The most popular type is the 7(a) loan, which can be used for most business purposes, including asset purchases and debt refinancing.

The microloan program offers loans of up to $50,000.

Call us at 618-594-1192 to help determine the right option for your business.

A mission statement is a concise, formal declaration of a business’s core purpose. The right one can serve as a rallying...
06/15/2026

A mission statement is a concise, formal declaration of a business’s core purpose.

The right one can serve as a rallying cry for employees and a powerful marketing tool that attracts customers and drives revenue.

So, whether you’re writing one for the first time or revising it during a rebrand, craft yours carefully.

It can have a surprising impact on your bottom line.

Please call us at 618-594-1192 for help aligning your company’s core purpose with its financial parameters and strategic objectives.

Certain “small businesses” may qualify for several valuable tax breaks. But different tax provisions use different size ...
06/11/2026

Certain “small businesses” may qualify for several valuable tax breaks.

But different tax provisions use different size tests.

For instance, a gross receipts test is used to determine eligibility for cash accounting, simplified inventory rules, the completed contract method, relief from UNICAP requirements and exemption from the business interest deduction limitation.

This threshold is adjusted for inflation.

For 2026, your business may be eligible if its average annual gross receipts for the prior three-year period were $32 million or less.

Call us at 618-594-1192 for help evaluating your eligibility for these and other tax-saving opportunities based on your business’s structure and operations.

Starting in 2026, the tax rules for the personal casualty loss deduction are changing. While the deduction remains limit...
06/10/2026

Starting in 2026, the tax rules for the personal casualty loss deduction are changing.

While the deduction remains limited mainly to disaster-related losses, eligibility is expanding beyond federally declared disasters to include certain state-declared disasters.

Because the rules are complicated and additional limits apply, review your situation with us.

We can help determine whether you’re eligible for a casualty loss deduction. Contact us at 618-594-1192.

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Carlyle, IL

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Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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