Guardian Solutions CPA

09/15/2026

𝗛𝗼𝘄 𝗱𝗼 𝗜 𝗸𝗻𝗼𝘄 𝗶𝗳 𝗺𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗰𝗮𝗻 𝗵𝗮𝗻𝗱𝗹𝗲 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝗺𝗼𝗻𝘁𝗵𝗹𝘆 𝗽𝗮𝘆𝗺𝗲𝗻𝘁?

Before you take on new debt, look at how much of your monthly income is already going toward debt payments.

Your 𝘥𝘦𝘣𝘵-𝘵𝘰-𝘪𝘯𝘤𝘰𝘮𝘦 𝘳𝘢𝘵𝘪𝘰 gives you a simple way to compare the two.

If that ratio has been climbing, look at why before adding another payment. Has your debt increased? Has your income dropped? Or have both changed?

Then compare the new payment against what your business is already committed to each month.

If your existing debt is already taking up a large share of your income, another loan could make cash flow tighter than you expect. If there’s still room, you’ll have a clearer picture of what your business can reasonably take on.

09/15/2026

What Tax Do You Pay When You Sell A Business Based on Your Greater Richmond Business Structure?

09/14/2026

𝗪𝗵𝗮𝘁 𝘀𝗵𝗼𝘂𝗹𝗱 𝗜 𝗰𝗵𝗲𝗰𝗸 𝗯𝗲𝗳𝗼𝗿𝗲 𝗜 𝘀𝗶𝗴𝗻 𝗮 𝗰𝗼𝗻𝘁𝗿𝗮𝗰𝘁 𝗳𝗼𝗿 𝗺𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀?

Before you sign, check exactly what you’re agreeing to pay, how long the agreement lasts, and what each side is responsible for.

Then check the smaller details:

• Whether it renews automatically
• What it takes to cancel
• Any additional fees or charges
• When payments are due
• Any requirements you’ll need to meet during the agreement

𝙋𝙧𝙖𝙘𝙩𝙞𝙘𝙖𝙡 𝙩𝙞𝙥: Write down any part you don’t understand as you read. Then get those questions answered before you sign, instead of assuming you’ll figure them out later. A few extra minutes of reading can give you a much clearer picture of what your business is committing to.

09/11/2026

𝗖𝗮𝗻 𝗜 𝘂𝘀𝗲 𝗺𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗰𝗮𝗿𝗱 𝗳𝗼𝗿 𝗲𝘅𝗽𝗲𝗻𝘀𝗲𝘀 𝘁𝗵𝗮𝘁 𝗮𝗿𝗲 𝗽𝗮𝗿𝘁𝗹𝘆 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗮𝗻𝗱 𝗽𝗮𝗿𝘁𝗹𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀?

Yes, but if you have an expense that’s partly business and partly personal, it’s better to track the business portion and keep your finances as separate as possible.

Your records should show:
• What you spent
• When you spent it
• How it connects to the business
• Proof of payment
• What percentage was for business use

Then you can use a formal reimbursement process for the approved business portion.

Keeping track of these expenses monthly will also keep you from having to sort through months of mixed expenses later.

09/10/2026

Sometimes the awkward conversations are the most impactful!

09/10/2026

𝗛𝗼𝘄 𝘀𝗵𝗼𝘂𝗹𝗱 𝗜 𝗿𝗲𝗴𝘂𝗹𝗮𝘁𝗲 𝘁𝗵𝗲 𝘂𝘀𝗲 𝗼𝗳 𝗔𝗜 𝗮𝗺𝗼𝗻𝗴 𝗺𝘆 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝘀?

If your employees are using AI to do company tasks, then you want to consider these things when regulating its use:
• Which AI tools you are okay with them using and for which processes those tools should be used
• How to handle entering sensitive company or client information into AI tools (especially ones that train a model or make information public)
• Verifying AI-generated information before it’s used or shared
• Who will handle AI regulation and questions
• Which types of work still require a human review before anything goes to a client or customer

𝘏𝘢𝘷𝘦 𝘢𝘯𝘺𝘵𝘩𝘪𝘯𝘨 𝘦𝘭𝘴𝘦 𝘵𝘰 𝘢𝘥𝘥 𝘵𝘰 𝘵𝘩𝘪𝘴 𝘭𝘪𝘴𝘵? 𝘊𝘰𝘮𝘮𝘦𝘯𝘵 𝘣𝘦𝘭𝘰𝘸.

09/09/2026

𝗪𝗵𝗮𝘁 𝘀𝗵𝗼𝘂𝗹𝗱 𝗜 𝗱𝗼 𝗶𝗳 𝗜 𝗽𝗮𝘆 𝗮 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗲𝘅𝗽𝗲𝗻𝘀𝗲 𝗳𝗿𝗼𝗺 𝗺𝘆 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗮𝗰𝗰𝗼𝘂𝗻𝘁?

If you pay a business expense with your personal credit card, you'll need to create a process for documenting it so that the paperwork is in place to clear that up later.

For each expense, record the exact date, amount of the purchase, and the specific business connection (and the business-use percentage if it was a mixed-use expense). And make sure you get an itemized receipt as physical proof.

Then, when your business reimburses you, record the payment under the appropriate operating expense, such as Utilities, Software, or Auto.

09/09/2026

AI can give you financial advice, but new Stanford research found that the quality of that advice depends on how you ask for it.

And sure, you can ask ChatGPT for business advice, and it will give you an answer, but will it be the right one and will it actually apply to your business? With financial questions in your biz, it's always good to lean on a pro who understands the right questions to ask and can give you a response that's tailored to your specific situation.

That's what we're here for.

https://news.stanford.edu/stories/2026/07/ai-financial-investing-advice-research

09/07/2026

𝗜 𝗳𝗼𝗿𝗺𝗲𝗱 𝗮 𝗻𝗲𝘄 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗲𝗻𝘁𝗶𝘁𝘆. 𝗪𝗵𝗮𝘁 𝘀𝗵𝗼𝘂𝗹𝗱 𝗜 𝘂𝗽𝗱𝗮𝘁𝗲 𝗳𝗶𝗿𝘀𝘁?

Keeping your bookkeeping accurate starts with making sure the accounts tied to your business match your new legal name and EIN.

Once you have your new Employer Identification Number:
• Take it to your bank and open dedicated accounts under your new legal business name.
• Update Stripe, PayPal, Square, or other payment processors.
• Change your vendor accounts accordingly.
• Update your business insurance policies and client agreements over to the new company name and EIN.

The goal is for the accounts you use to get paid, pay bills, and do business to match the entity you’re actually operating under.

09/06/2026

What Is An Accountable Plan For Greater Richmond S Corp Owners?

What is an accountable plan, and how can it save S corp owners taxes? Learn how to extract cash tax-free for home office, cell, and mileage overhead.