H & S Bookkeeping & Office Service

10/16/2026

RETIREMENT PLANNING ISN'T JUST FOR BIG COMPANIES

Think again.

Many small business owners don't realize there are retirement account options specifically designed for self-employed individuals and small businesses. Whether you're a sole proprietor, LLC owner, freelancer, or have a small team of employees, there may be retirement plans available that align with your business structure and long-term goals.

Options such as SEP IRAs, SIMPLE IRAs, and Solo 401(k)s all have different eligibility requirements, contribution rules, and administrative responsibilities. The right fit depends on factors like your income, number of employees, and retirement objectives.

The key is starting the conversation before year-end so you have time to understand your options and make informed decisions for tax year 2026.

Just as important? Keeping accurate financial records throughout the year.

Organized bookkeeping helps provide the information needed when discussing retirement planning with your tax preparer or financial advisor.

Need help getting your books organized before year-end? H & S Bookkeeping is here to help and help discuss options for your retirement.

There is a free 2 hour breakfast coming up October 24 about this topic!

More info here https://bit.ly/oct24ff

10/15/2026

MEA Weekend! Here is a FREE family place to visit in Minneapolis! The Minneapolis Institute of Art

10/15/2026

AVOID ONE OF THE BIGGEST MISTAKES BUSINESS OWNERS MAKE

One of the biggest mistakes small business owners make is waiting until tax season to think about taxes.

Many year-end planning opportunities happen before December 31, which is why now is the time to review your financials and understand where your business stands.

Ask yourself:
• Are my books up to date?
• Do I know my current profit?
• Have I reviewed major business purchases made this year?
• Have I discussed year-end tax planning with my tax professional?

The more organized your financial records are, the easier it is to make informed decisions before the year ends.

A little preparation now can help reduce stress and prevent surprises later.

Need your books cleaned up before year-end? H & S Bookkeeping is here to help.

10/15/2026

🦺 Journeyworkers: get paid $1,000 to sharpen your mentoring skills. Short notice, so sign up now!

Every Laborer remembers the journeyworker who showed them the ropes. Our apprentices learn the trade from you on the job site every day, and good mentoring keeps them safe, skilled and in the trade for the long haul.

Apprenticeship Minnesota (MN Department of Labor and Industry) is offering a paid, four-part Journeyworker Mentorship Cohort. You’ll learn practical ways to build trust with apprentices, create a crew where they feel safe asking questions, and adjust to how each person learns best.

📅 Sessions (all 2–4 p.m.):

Tue., Oct. 20: in person at DLI, St. Paul
Tue., Oct. 27: virtual
Wed., Nov. 4: virtual
Tue., Nov. 10: in person at DLI, St. Paul

💵 Complete all four sessions and earn a $1,000 incentive. There’s no partial payment, so plan to attend every session.

✉️ To register, email [email protected] with your name, work email and apprenticeship program name. You’ll get calendar invites for each session.

Full flyer:https://www.dli.mn.gov/sites/default/files/pdf/journeyworker-training-flyer.pdf

10/15/2026

Open Enrollment is starting soon

Doctor checkups, shots, screenings—these are free with most health plans.
It’s called preventive care, and it helps you stay healthy.

10/14/2026

https://conta.cc/4zvtERM

Email from H & S Bookkeeping & Office Service Greetings! Positive Image Annual Mother & Son Gala Secure your spot today before it’s too late!   Positive Image Annual Mother-Son Gala Event Sunday, Oc

10/14/2026

Take breaks and reset

10/13/2026

Be sure to check in with on Medicare portal and also set up an appointment with an advisor for help to review your personal Medicare plan options

Up to 390,000 Minnesota seniors face losing their current Medicare coverage. With open enrollment starting Thursday, many could face higher costs and fewer benefits.

https://www.kare11.com/article/news/local/breaking-the-news/minnesota-seniors-searching-for-new-medicare-plans-this-week/89-ce55ee41-7c9e-4138-b03a-a320f203ba38?utm_medium=social&utm_source=facebook_KARE_11

10/13/2026

Need an absentee ballot? Get it requested right now before October 20.

Here is the link for the State of Minnesota November 3rd General Election

This website is from the Minnesota Secretary of State

https://mnvotes.sos.mn.gov/abrequest/index

10/13/2026

YOU HAD A REFUND COMING

But , you didn't file a tax return. 😱

You have up to 3 years to file and get your return, What are you waiting for?

Call our office 763-231-4885