Denise Calderon CPA

09/03/2026

There's something different about doing business in a community where you actually know the people.

You see your clients at local events. You meet other business owners. You hear about what's happening in the community and the challenges local families and businesses are facing.

That's one of the reasons being involved in our community matters to us.

Being a CPA isn't just about numbers and tax returns. It's about understanding the people and businesses behind those numbers and being invested in the community we all share.

We're proud to be part of it.

09/02/2026

Most people know what to ask their CPA at tax time:

How much do I owe?

But there's another question that's often much more useful:

"What should I be doing differently?"

Maybe it's how you're keeping records.

Maybe it's how you're paying yourself as a business owner.

Maybe there's something in your numbers you haven't noticed.

Or maybe you're doing everything right and just need confirmation that you're on the right track.

Your CPA can be a resource throughout the year, not just the person you call when it's time to file a return.

So here's your September challenge:

Ask one financial question you've been meaning to ask. It might lead to a much more valuable conversation than you expected.

08/31/2026

Why is September the perfect time for year-end tax planning?

Many people wait until tax season to think about their taxes.

By then, most of the opportunities to reduce your tax bill have already passed.

That's why September is one of the best times to start planning.

With several months left in the year, you still have time to make decisions that could have a real impact, including:

✔️ Reviewing your income and expenses
✔️ Adjusting estimated tax payments
✔️ Maximizing retirement contributions
✔️ Planning charitable donations
✔️ Identifying potential deductions and credits
✔️ Reviewing your business's financial performance before year-end

Tax planning isn't about finding last-minute loopholes, it's about making informed financial decisions while there's still time to act.

The sooner you start planning, the more options you typically have.

If you'd like to head into the new year with fewer surprises and more confidence, now is the perfect time to schedule a year-end tax planning conversation.

08/26/2026

08/25/2026

Why does reviewing your profit & loss statement monthly matter?

Many business owners only look at their Profit & Loss (P&L) statement when it's time to file taxes.

By then, it's too late to make meaningful changes.

Reviewing your P&L each month helps you understand where your business stands before small issues become expensive problems.

A monthly review can help you:

✔️ Spot unnecessary expenses
✔️ Track income trends
✔️ Monitor profitability
✔️ Prepare for taxes throughout the year
✔️ Make more confident business decisions

Your Profit & Loss statement isn't just paperwork, it's a snapshot of your business's financial health.

The more familiar you are with it, the better equipped you'll be to plan for growth instead of simply reacting to surprises.

Need help understanding what your numbers are telling you? We're here to help.

08/20/2026

Finish the sentence...

If money were less stressful...

I'd _______________________.

Tell us how you'd finish the sentence.

Sometimes understanding our financial goals starts with imagining what's possible.

08/18/2026

What are 5 documents every adult should keep?

Having these documents organized makes life's unexpected moments much easier to manage.

When tax season arrives, you'll thank yourself.

08/13/2026

What happens if you received a letter from the IRS?

Most IRS notices are not audits.

Sometimes they simply request additional information or explain a change.

If you receive a letter:

• Don't panic.
• Don't ignore it.
• Read it carefully.
• Respond by the deadline.
• Reach out if you need help understanding it.

Acting early often prevents bigger problems.