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🦃 FM Accounting Monthly Newsletter

November 2025 | Thanksgiving for Your Financial Success
📍 Chicago, IL | Grateful for Our Clients & Community

🦃 A Message of Gratitude from FM Accounting

As we approach Thanksgiving, we want to express our heartfelt gratitude to all our clients who trust us with their financial needs. This season of thankfulness reminds us why we do what we do – helping you achieve financial peace of mind and business success. Thank you for being part of the FM Accounting family.

🙏 We're Thankful For: Your trust, your referrals, your partnership, and the opportunity to serve your financial needs year after year.

📊 Year-End Tax Planning Strategies

With only two months left in 2025, now is the critical time to implement tax-saving strategies. From maximizing deductions to timing income and expenses, strategic planning now can significantly impact your tax liability for 2025.

💰 Retirement Contributions: Maximize 401(k), IRA, and SEP-IRA contributions before December 31st.
📈 Investment Planning: Consider tax-loss harvesting and capital gains timing.
🏢 Business Expenses: Accelerate deductible business purchases and equipment.
📅 Schedule Your Year-End Tax Planning Session

🎁 Holiday Season Tips for Small Businesses

The holiday season brings unique opportunities and challenges for small businesses. From managing seasonal cash flow to taking advantage of holiday marketing, proper planning can make this your most profitable quarter.

🎄 Holiday Business Strategies: Cash flow management, inventory planning, employee bonuses, gift deductions, and seasonal marketing expenses.

📖 Resource: SBA Holiday Business Finance Guide

🎯 Employee Benefits & Year-End Bonuses

Considering year-end bonuses or benefit changes? Understanding the tax implications for both you and your employees is crucial. Proper timing and structure can maximize the benefit while minimizing tax impact.

💼 Key Considerations: Bonus timing, payroll tax implications, benefit plan contributions, and employee appreciation strategies.
💬 Discuss Your Employee Benefit Strategy

❤️ Maximize Your Charitable Impact

The season of giving is also a time for smart tax planning. Strategic charitable giving can provide meaningful tax benefits while supporting causes you care about. Learn about different giving strategies and their tax implications.

🤝 Giving Strategies: Cash donations, appreciated securities, donor-advised funds, charitable remainder trusts, and qualified charitable distributions.

📖 Resource: IRS Charitable Giving Guidelines

📋 Preparing for 2026 Tax Changes

Stay ahead of upcoming tax law changes that may affect your 2026 tax planning. Understanding these changes now allows you to make informed decisions and adjust your strategy accordingly.

🔍 What's Coming: Standard deduction adjustments, tax bracket changes, business expense modifications, and retirement plan updates.
📈 Plan for 2026 Tax Changes

Wishing You a Wonderful Thanksgiving

From all of us at FM Accounting, we wish you and your family a Thanksgiving filled with joy, gratitude, and precious moments together. We're grateful for the opportunity to serve you and look forward to helping you finish 2025 strong and start 2026 with confidence.