PBG Advisors & CPAs

10/28/2026

A cyberattack can happen fast. Knowing what to do next can make a big difference in how your business responds. 🔐

From securing compromised systems and changing credentials to notifying the right people and contacting law enforcement, there are important steps business owners should be prepared to take after a breach.

And recovery is only part of the picture—what you learn from an attack can help strengthen your business against the next one.

Read our latest article for practical steps to take after a cyberattack: https://pbgadvisors.com/steps-after-cyberattack/

Learn the steps small businesses should take after a cyberattack, from securing systems and notifying stakeholders to strengthening future protection.

10/20/2026

Quarterly estimated taxes can be easy to overlook—especially when you’re focused on running your business. 📆

But waiting until tax time to pay what you owe could mean penalties and interest. Understanding how much to set aside, when estimated payments may be required, and how your business structure affects those payments can help you avoid an unwelcome surprise.

Our latest article breaks down the basics and explains how better planning throughout the year can make quarterly taxes more manageable.

💡 Get a better handle on quarterly estimated taxes before your next payment is due: https://pbgadvisors.com/small-business-quarterly-estimated-taxes/

Learn how small-business quarterly estimated taxes work, who may need to pay them, what they cover and how to plan for payments.

10/13/2026

Could an S corporation election save your business money on taxes? 💼 It can—but the answer isn’t as simple as it may sound.

The potential savings depend on your business profits, what qualifies as a reasonable salary, and whether those savings outweigh the added payroll and compliance costs.

Before making the switch, it’s worth understanding how an S corporation actually works and when the election makes financial sense.

Learn what to consider before deciding if S corporation status is right for your business ➡️ https://pbgadvisors.com/s-corporation-election/

\

Learn how an S corporation election works, its potential tax savings, qualification rules and added compliance requirements for business owners.

10/07/2026

Credit cards can be useful, but when they become the go-to for groceries, bills, or unexpected expenses, balances can grow quickly. 💳

With high interest rates, even a manageable balance can become much harder to pay down over time. If credit card debt is weighing on your budget, knowing where to start can make a difference.

Our latest article shares practical ways to tackle growing balances, reduce interest costs, and build healthier credit card habits going forward.

🔗 See the steps that can help you start getting credit card debt under control: https://pbgadvisors.com/credit-card-debt/

Credit card debt can quickly become difficult to manage. Learn practical ways to reduce balances, limit interest costs and use credit more wisely.

09/29/2026

Buying a home is exciting 🏡 — but figuring out how much mortgage you can *comfortably* afford is just as important as figuring out how much you can borrow.

Two helpful guidelines are the **28% rule**, which looks at how much of your gross income goes toward housing, and the **36% rule**, which considers your total monthly debt. 💵

Before committing to a mortgage payment, see how these guidelines can help you take a closer look at your budget.

Read here ➡️ https://pbgadvisors.com/how-much-spend-on-mortgage/

Learn how the 28% and 36% rules can help you determine an affordable mortgage payment based on your income, debts and monthly budget.

09/24/2026

🔥 What a great experience at the Spark Summit!

Josh had a great time attending this year’s Spark Summit, learning from local leaders and connecting with other small businesses across the Western Slope.

He also had the opportunity to connect with keynote speaker Dr. Rick Perea and fellow local small-business owner Bryce Lee!

It was a great event filled with fresh ideas, meaningful conversations, and opportunities to connect with the incredible business community we have here on the Western Slope.

09/22/2026

Traditional IRA or Roth IRA? The biggest difference comes down to when you pay the taxes. 💰

Traditional IRAs may offer a tax benefit now, while Roth IRAs can provide tax-free qualified withdrawals later. But contribution limits, income rules, early withdrawal penalties, and required minimum distributions can all affect your strategy. 📊

We break down some of the key IRA tax and withdrawal rules to know as you plan for retirement.

Read more: https://pbgadvisors.com/ira-tax-withdrawal-strategies/

Learn how traditional and Roth IRAs differ, including tax treatment, withdrawal rules, RMDs, penalties and retirement planning considerations.

09/18/2026

📘 Tax Tip: Good Recordkeeping Makes a Difference

Staying organized throughout the year can make tax time much easier!

A few records worth keeping organized include:

✔️ Income documents
✔️ Business expenses and receipts
✔️ Charitable contribution records
✔️ Estimated tax payment confirmations
✔️ Documents related to major purchases or sales

Keeping accurate records throughout the year can save time, reduce stress, and help ensure important information isn’t missed when it’s time to prepare your return.

A little organization now can go a long way later!

09/15/2026

A longer retirement means more time to enjoy the life you’ve worked for — but it also means your savings may need to stretch further. ⏳

In fact, extending a retirement horizon from 30 to 35 years can increase the risk of depleting savings by 41%.

Planning for longevity risk means thinking beyond how much you’ve saved. Social Security timing, withdrawal strategies, diversified income sources, taxes, and portfolio structure can all play a role in making your money last.

Our latest article looks at several ways to build a retirement income plan with the long term in mind: https://pbgadvisors.com/retirement-longevity-risk/

Learn how Social Security timing, income planning, diversification and tax-efficient withdrawals can help manage longevity risk in retirement.

09/11/2026

⏰ September 15 Estimated Tax Payment Reminder

If you make estimated tax payments, your next payment is due September 15.

Avoid penalties and interest by making your payment on time.