Fiducial North America

08/31/2026

Here's a retirement surprise nobody warns you about: your Medicare premiums are generally based on your tax return from TWO years ago. 📅

It's called the two-year lookback — and it's why a Roth conversion, a big capital gain, or an IRA withdrawal today can quietly raise your Medicare costs down the road, long after the decision is made.

By the time the premium increase shows up, the transaction is long finished — and the connection isn't obvious.

The fix? Multi-year planning. Retirement isn't one tax year at a time; it's a series of interconnected years.

If you're approaching Medicare or making decisions about Roth conversions, withdrawals, or Social Security, now is the time for a retirement tax planning conversation.

08/28/2026

The number every side hustler should know: $400. 💡

Many first-time earners assume, "I made less than the standard deduction, so I probably don't owe anything."

But self-employment tax works differently. Earn just $400 or more in NET self-employment income, and you may already have a filing requirement — even if you owe little or no federal income tax.

Freelance work, creator income, gig apps, online sales — it all counts. And unlike a traditional paycheck, nobody is withholding taxes for you.

Earning outside a W-2 for the first time? Let's build you a simple system before tax season does it for you.

08/26/2026

Could your pup get you a $900 tax break? 🐶

One state is considering it. A proposal in the New Jersey Legislature would give qualifying pet owners up to $300/year for everyday pet expenses and up to $600/year for veterinary costs — a maximum credit of $900 per taxpayer.

It's far from becoming law, and under federal rules, pets are still considered personal property (sorry — Luna isn't a dependent).

But with lifetime pet ownership costs approaching $30,000, lawmakers in several states are starting to rethink how tax policy treats our four-legged family members.

Would you support a pet tax credit in your state? Let us know below. ⬇️

08/19/2026

A new report suggests legalizing online sports betting in Nebraska could generate nearly $87 million over five years, with much of it earmarked for property tax relief. Zoom out, and the bigger story becomes clear: states across the country are increasingly turning to sports betting to fund budgets without raising traditional taxes.

Read more in our latest blog 👇

A new report suggests legalizing online sports betting in Nebraska could generate nearly $87 million over 5 years.

08/12/2026

Hiring feels like growth. More people, more capacity, more momentum. But here's what most business owners underestimate: the salary is just the starting point.

Read more in our latest blog 👇

Hiring feels like growth. More people, more capacity, more momentum. But here's what most business owners miss: the salary is just the starting point.

08/07/2026

This just in: taxes aren't just an April problem. 🗞️

The best tax outcomes rarely happen during filing season — they happen in the months before it. Mid-year is when you can still adjust withholdings, plan estimated payments, catch missed deductions, and clean up your books while there's time to act.

By the time April arrives, you're reporting history. Right now? You can still change the story.

Schedule a mid-year tax review with Fiducial and get ahead of the headlines. 📰

08/05/2026

A new class of small business owners is quietly emerging — not backed by investors, not running giant teams, not renting huge office spaces. Just regular people using AI tools and smarter systems to operate faster, leaner, and more efficiently than small businesses could even a few years ago.

Read more in our latest blog 👇

How AI is Allowing More Entrepreneurs to Build Smarter, Leaner Businesses — Without Massive Teams or Massive Overhead

07/31/2026

Today's the day. Form 5500 / 5500-EZ is due for employee benefits calendar year plans.

Don't leave it to the last minute — fiducial.com

07/29/2026

Be honest — where are your receipts right now?

A) Neatly categorized in accounting software
B) A folder called "misc"
C) A shoebox
D) The passenger seat of your car

No judgment... but here's the thing: every crumpled receipt is a deduction you might not claim and a number your year-end picture is missing.

The fix isn't more discipline — it's a system someone else maintains for you. (And if you answered C or D, your bookkeeper would love to hear from you. Gently.) 🧾

Need an upgrade to your system? Reach out at www.Fiducial.com/consultations.

07/22/2026

A new business can usually deduct up to $5,000 of startup costs and a separate $5,000 of organizational costs in its first year under IRC Sections 195 and 248, then amortize the remainder evenly over 15 years (180 months).

Read more 👇🏻

A new business can usually deduct up to $5,000 of startup costs and a separate $5,000 of organizational costs in its first year.