Table of Contents

• Reactive Is Expensive.

• The IRS May Have Overcharged You. Claim Your Refun …

• In the Collective

Reactive Is Expensive.

I spent an hour last week with a fractional CFO named Dan Olsen. This was part of our monthly “Office Hours” where host a client and advisor to bring value to the table. Dan didnt disappoint.

“Being reactive is expensive. Being proactive is better than being reactive.”

It sounds obvious. It is not.

Most business owners I know live reactively. They look at their checking account to understand the business. They make decisions when a problem shows up. When they need capital, they need it now. When they find out they might have a cash problem, they have one week to fix it.

That is when things cost money.

The difference between a controller and a CFO is this. A controller looks backwards. They record what happened. They file the taxes. They produce the financial statements. All of that is compliance work.

A CFO looks forward.

A CFO builds a 13-week rolling cash flow forecast. Not optimistic. Realistic. They ask the hard questions. Are we going to have a problem in 90 days? Do we need a line of credit before we need a line of credit? What is our runway?

Three months of visibility changes everything.

If you know in June that August is going to be tight, you can call your bank in July. You can negotiate. You have options. You have breathing room.

If you find out in August that August is tight, you are calling every bank that will pick up the phone at 4 PM on a Friday. You have no options. Everything is expensive. Every deal you make is a bad deal because you are desperate.

I see this in our firm. We advise on taxes. But the owners who call us in February asking about 2024 taxes are in a completely different position than the owners who call us in April and owe the IRS money they do not have.

One of them made a decision. The other one is in crisis mode.

Pay me now or pay me later. That is what Dan said. It applies to everything. Tax strategy. Capital needs. Hiring. Growth.

The owners who are winning are the ones who know their numbers 90 days ahead.

If that is not you, find someone to build that forecast for you. It does not have to be expensive. It does not have to be full time. But it has to happen.

What number are you flying blind on right now?

Check out the here recording

Later this month we are talking with James Sackey on “Keys to Building Strategic Relationships” – Register Here

And if you are reading this and think you would be a good fit . Reply and tell me . We are always looking for great speakers to share their knowledge with the group.

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The IRS May Have Overcharged You. Claim Your Refund Before July 10, 2026.

We have beaten this drum so many times we should probably have calluses at this point, but here we go again: a federal court just told the IRS they were wrong about tax deadlines during COVID. Specifically, the U.S. Court of Federal Claims ruled in November 2025 that the IRS had to extend deadlines for everyone from January 20, 2020 through July 10, 2023. Which means if they charged you penalties or interest for missing a deadline during those 3.5 years, they probably should not have. Late payment penalty. Failure-to-file. Interest assessment. Estimated tax penalties. All of it is potentially refundable. The bad news is you have until July 10, 2026 to claim it. The good news is you have 2 paths forward. You can handle it yourself for no upfront cost. Pull your tax transcripts, identify the penalties and interest from the disaster window, calculate what you are owed, and file Form 843 with the IRS. Four steps. Free. Takes time. Or we handle it. We pull the transcripts, review your eligibility, calculate the refunds, file Form 843, and monitor the claim with the IRS. You only pay us if the IRS approves your claim and sends you money. Both paths work. One requires your time. One requires you to trust us to do it. Either way, do not let July 10, 2026 pass without checking whether you have money coming back. Reply or email us today and we will walk you through which option makes sense for your situation.

For full details on how to file yourself take this and run –

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In the Collective

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