Q4 Financial Prep: Your Year-End Checklist

October: The Month of Projections

Pull your financials and project your annual income. If you’re trending toward a higher tax bracket, consider:

• Accelerating expenses into this year
• Deferring income to next year
• Making equipment purchases before Dec 31 (Section 179)

November: Reconciliation Month

This is when you fix the mess. Unreconciled transactions, missing receipts, duplicate entries—clean it all up before the holiday chaos.

Seamless users: Run the “Unmatched Transactions” report and resolve them in under an hour.

December: Strategic Spending

• Retirement Contributions: Max out your Solo 401(k) or SEP IRA.
• Charitable Donations: Get those receipts before year-end.
• Equipment Purchases: Section 179 lets you deduct the full cost of qualifying equipment in the year of purchase (up to $1.16M in 2026).

January 1: Start Fresh

With a clean close to last year, you can focus on growth instead of tax panic.