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Smith CPA's & Associates Dedicated to You, your accounting needs, and growth needs.

10/21/2026

The fastest way to build a budget is also the fastest way to carry last year’s mistakes into next year. 👀

The reel breaks down why. Save it before you start planning.

Which one are you, add a bit or analyze the facts? 👇

➡️ Schedule a Free 30-min Discovery Call, link in bio!
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Shaun is heading to Intuit Connect in Las Vegas next week. 🎉The tools that run and advise businesses are changing fast, ...
10/21/2026

Shaun is heading to Intuit Connect in Las Vegas next week. 🎉

The tools that run and advise businesses are changing fast, and Intuit is right at the center of it. Staying close to that change is how we keep our clients’ financial lives simpler, clearer, and less manual. 🤝

📅 October 26 to 28
📍 Las Vegas

Going to be there? Come say hello.

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Your school’s payroll looks on budget. That’s comforting, right? But what if that number is hiding the real story?Payrol...
10/20/2026

Your school’s payroll looks on budget. That’s comforting, right? But what if that number is hiding the real story?

Payroll on budget doesn’t always mean you’re in the clear. The number that really matters: payroll cost per student.

Example: You budget for 1,000 students and $5M payroll ($5,000 per student). But with only 950 students, your real cost jumps to $5,263 per student, even though payroll stayed on budget.

And it’s not just enrolment. Wage bumps, extra staff, overtime, or new programs all drive up per-student costs.

It doesn’t mean your staffing model is broken. Leaders need to know why costs are changing and if funding keeps up.

When was the last time you checked payroll per student, not just the total payroll?

Ready to dig deeper?

➡️ Book a complimentary 30-min Discovery Call (link in bio) and follow us for more smart insights!

2027 budgets are already off track—and the year hasn’t even started.You know the drill: take last year’s revenue, add so...
10/19/2026

2027 budgets are already off track—and the year hasn’t even started.

You know the drill: take last year’s revenue, add some optimistic growth, bump payroll and expenses, tweak a few lines, and call it a budget. But if you’re just rolling forward old assumptions, you’re setting yourself up for surprises.

If you planned for 15% growth in 2026 but only hit 6%, projecting 15% again for 2027 isn’t a goal—it’s wishful thinking dressed up as a target.

By October, you already know what’s working and what needs a reality check for next year. Swipe through to see which assumptions to challenge before you lock in your 2027 plan.

Which budget assumption do you always carry forward without a second thought?

➡️ Schedule a Complimentary 30-min Discovery Call, link in bio!
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Every board approves the budget. Very few stress test it. 👀Approval proves the numbers add up on paper. It does not prov...
10/14/2026

Every board approves the budget. Very few stress test it. 👀

Approval proves the numbers add up on paper. It does not prove the budget can survive a year that goes sideways.

A stress test asks the harder question. What happens if:

Operating costs come in 5% higher?
Collections slow and assessments arrive late?
A major repair lands earlier than planned?

If the answer to any of those is a special assessment, the budget was a hope, not a plan.

Before your board approves 2027, has anyone checked what happens if the year does not cooperate?

➡️ Schedule a Complimentary 30-min Discovery Call, link in bio!
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The best financial advice usually sounds like nothing happened. 👀No crisis. No scramble. Just a quiet conversation in Oc...
10/13/2026

The best financial advice usually sounds like nothing happened. 👀

No crisis. No scramble. Just a quiet conversation in October that prevents a mess in March.

There’s a strange thing about this work.

The most valuable things we do are the ones nobody notices, because the whole point is that the bad outcome never arrives.

The tax surprise that did not happen.

The cash crunch we saw coming and stepped around.

Reactive accounting gets noticed because there is drama attached. Proactive accounting is invisible by design, and its reward is a year where nothing goes wrong.

We would rather prevent the fire than be thanked for putting it out.

Would you rather your accountant react brilliantly to problems, or quietly make sure you never have them?

➡️ Schedule a Complimentary 30-min Discovery Call, link in bio!

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The best time to find out you expanded too soon is before you sign the lease, not after. 👀A new location sounds like pur...
10/09/2026

The best time to find out you expanded too soon is before you sign the lease, not after. 👀

A new location sounds like pure upside. More customers, more revenue, a bigger footprint.

But expansion demands cash, management attention, staffing, and working capital, usually well before the new unit turns a profit.

So, before committing to the next one, the honest question is whether your current locations can actually carry the growth.

Two things to check first:

Are your existing units consistently profitable over time, not just in a strong month?

Look at margin, labor percentage, and real cash contribution.

And how much cash will the new unit truly need?

Build-out and equipment are only the start.
Deposits, inventory, hiring, training, pre-opening costs, and working capital all add up, often well beyond the obvious number.

If your current units are already under margin pressure, a new location tends to add strain, not solve it.

Growth is good. Growth your existing business cannot support is a different story.

Are your current locations genuinely ready to carry the next one?

➡️ Schedule a Free 30-min Discovery Call, link in bio!
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Proud to have sponsored Civitan International's recent convention. 🙌Civitan is an organization built around service, wit...
10/05/2026

Proud to have sponsored Civitan International's recent convention. 🙌

Civitan is an organization built around service, with volunteers around the world giving their time to support people with developmental and intellectual disabilities and to strengthen their communities. 🤝

We are honored to work with Civitan as a client, and supporting their convention was an easy yes. When a team gives this much to its mission, helping bring its community together is a privilege.

A big thank you to the whole Civitan team for everything you do. We are grateful for the relationship and excited for what is ahead.

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