Cherie Sayban CPA

10/27/2026

The U.S. Small Business Administration plans to widen its definitions of “small business” to add another estimated 110,000 companies to the ranks of the 36.2 million small businesses in the country, an increase of 0.3%.

The move would make these firms newly eligible for SBA loans and allow them to bid on government contracts that are reserved for the smallest businesses—though the proposed policy change likely faces months of federal review before it’s fully adopted.

Read more here: https://ow.ly/gOeN50ZWwMq

The policy switch could be a major boon for small businesses hoping to compete against the likes of Boeing and Raytheon, says the U.S. Small Business Administration.

10/26/2026

🚗 Important Update for 2026 Standard Mileage Rates! 🚗

The IRS has updated the 2026 standard mileage rates, and there’s good news for business drivers!

👉 Business mileage rate increased to 76¢ per mile — up 6.5 cents from last year. This rate was effective July. 1, 2026 and applies to cars, vans, pickups, and panel trucks used for business.

💡Tip: Keep a reliable mileage log all year long — it’s imperative logs are kept on a daily basis, so it can be calculated correctly!

If you have questions or want help figuring out what this means for your business, I’m here to help!

10/22/2026

Some facts are genuinely encouraging to see, such as Gen Z investors directing 95% of their IRA contributions in the third quarter of 2025 into Roth accounts, as Fidelity reported—versus 75% for millennials and 66% for Generation X. Paying tax now to grow money tax-free for decades is exactly the patient, compounding decision for investors in low tax brackets that the textbooks beg for.

But the same generation is being pulled the other way. Of Gen Z, 32% said they are participating in, or considering, prediction markets or sports betting…

Read the full article here: https://ow.ly/FWww50ZWwBx

Gen Z is caught between low-cost index funds and wealth-destroying wagers. The hard part isn’t access to the right tools; it’s choosing them over products engineered to thrill.

10/21/2026

6 Accounting Terms Every Small Business Owner Should Know!

Running a successful business means understanding more than just sales. Knowing these key financial terms can help you make smarter business decisions year-round.

💰 1. Gross Income – The total revenue your business earns before any expenses are deducted.

📈 2. Net Income – What's left after all business expenses are paid—your true profit.

🧾 3. Expense – The costs of operating your business, from office supplies to marketing and payroll.

👤 4. Owner's Draw – Money you take out of the business for personal use (not considered a business expense).

🏦 5. Liability – Debts or financial obligations your business owes, such as loans, credit cards, or unpaid bills.

📋 6. Accounts Receivable – Money your customers owe you for products or services you've already provided.

Understanding these six terms is the foundation for making confident financial decisions and keeping your business healthy.

📅 Cherie Sayban CPA is now accepting new bookkeeping, accounting, and tax clients through October 30. Whether you're just getting started or ready to take control of your finances, we're here to help.

📞 Reach out today to schedule a consultation!

10/20/2026

There are many things to consider when laying out your investment strategy. Figuring out your risk tolerance and time horizon are some of the first steps, but what comes next?

Check out this episode of Decoding Retirement, Robert "Bob" Powell speaks with Steph Guild, Robinhood Senior Director of Investment Strategy, about how to balance competing demands such as paying off your debt and saving for certain goals including retirement.

Read more here:
https://ow.ly/CA8M50ZWwsY

There are many things to consider when laying out your investment strategy. Figuring out your risk tolerance and time horizon are some of the first steps, but what comes next? In this episode of Decoding Retirement, Robert "Bob" Powell speaks with Steph Guild, Robinhood Senior Director of Investment...

10/19/2026

Search no further— your trusted CPA is here.

Visit CherieSaybanCPA.com to schedule your free consultation today.

10/15/2026

October 15th is the final federal deadline to file your individual income tax return if you requested a six-month extension earlier in the year. This extension only gives you more time to file the paperwork, not more time to pay any tax owed, which accrued interest and late-payment penalties starting back in April.

If you need help, feel free to contact me at cheriesaybancpa.com

10/14/2026

You don't need to make major financial decisions right away. Giving yourself time can help you understand what you've inherited, consider your priorities and decide what you want the money to do for you.

Where you ultimately put an inheritance will depend on your existing finances, when you might need the money and the type of assets you've inherited. The first step is making sure the money is protected while you figure out what comes next…
https://www.kiplinger.com/retirement/inheritance/where-to-put-inherited-money

Receiving an inheritance can change your financial picture overnight. Before you spend or invest it, here's how to decide where the money should go.

10/13/2026

With costs on everyday goods rising, knowing where all of your cash goes is more important than ever.

👇These apps help you gain a fresh perspective on your cashflow. 👇
https://ow.ly/5RSP50ZQZYT

If you're searching for a great budgeting app, here are our top picks.

10/12/2026

Behind every successful business is a financial foundation you can count on. 📊✨

With decades of experience, proactive communication, personalized service, and reliable support, Cherie Sayban CPA is here to help make accounting and bookkeeping easier for your business.

Let’s take the stress out of your numbers and keep your finances on track!

📞 (814) 833-3862
🌐 CherieSaybanCPA.com