Optimo Financial Services

09/08/2026

New SECURE 2.0 rules could help cover qualified long-term care insurance premiums using retirement savings — without the usual 10% early-withdrawal penalty. It’s a smart way to protect cash flow and keep coverage in place. Curious if you qualify? Read now to see how it works.

Learn how the SECURE 2.0 Tax Act lets you use retirement accounts to fund qualified long-term care insurance premiums penalty-free beginning in 2026.

09/08/2026

September 15 is the deadline for your 3rd estimated tax payment—and if you have income that isn’t fully withheld, this one matters. From self-employment to investment income, staying ahead now can help you avoid surprises later. Read now to see if you’re on track.

Third-quarter estimated tax payments are due September 15. Learn if you need to file Form 1040-ES for self-employment or investment income to avoid penalties.

09/08/2026

If you rely on estimated tax payments, it’s important to make this installment on time to help avoid underpayment issues later in the year.

09/08/2026

Retirement planning isn't just about the future—it can also help reduce your taxes today. Contact this office to find out which retirement plan best fits your goals.

09/07/2026

Happy Labor Day! Today, we celebrate the dedication, perseverance, and hard work that drive businesses, communities, and dreams forward. Wishing everyone a safe and rewarding holiday.

09/04/2026

Juggling support for kids, parents, and your own retirement? You may be acting as the “family CFO” without even realizing it. From tuition help to elder care, every decision can ripple across taxes, cash flow, and long-term security. Read now to see how to protect your family—and your future.

Stepping into the role of the family CFO? Learn how to balance supporting adult children and aging parents while protecting your own retirement.

09/04/2026

Fall planning starts now. Use your late-summer sales data to make smarter inventory and marketing decisions before the holiday rush.

09/03/2026

Think a legit business expense is enough for a tax write-off? Not always. A recent Tax Court case showed how missing records can wipe out travel and vehicle deductions—even when the trips were real. Don’t let weak documentation cost you. Read now to see what records the IRS expects.

A Tax Court ruling shows why self-employed taxpayers must keep strict contemporaneous records for travel, vehicle, and home office deductions.

09/02/2026

Should you pay off debt or invest first? The answer isn’t as simple as “always do one or the other.” In today’s high-rate environment, your best move depends on interest rates, taxes, emergency savings, and employer match opportunities. Find out how to strike the right balance for your money. Read now.

Should you pay down debt or invest? Understand how rising interest rates, tax strategies, and cash flow planning shape your financial decisions.