5 Year-End Financial Moves Every Small Business Owner Shouldn’t Miss

We know how it goes: One minute you’re sipping iced coffee in July, and the next, you’re dodging holiday emails and trying to remember where Q1 went.

But before the year wraps, here are five small business money moves that could make a big difference come tax time (and next year).

1. Review Your Financials (Before the IRS Does)

Look over your Profit & Loss and Balance Sheet like you’re the one doing the audit. Is everything categorized right? Any surprise expenses? Catch it now, not in February when your tax pro is side-eyeing your spreadsheet.

2. Max Out Your Deductions

Got last-minute purchases or expenses you’ve been holding off on? Now’s the time to stock up on supplies, renew subscriptions, or invest in business tools. Those expenses can reduce your taxable income.

3. Pay Estimated Taxes (Avoid the Penalty Drama)

If you’ve made a decent chunk of change this year and haven’t paid quarterly taxes, consider making a year-end payment. The IRS is not here for IOUs.

4. Send Out Those 1099s Early

If you paid contractors $600 or more, you’ll need to send them 1099 forms. Getting ahead of it now saves you panic in January.

5. Book a Year-End Strategy Session

This is your opportunity to ask, “Hey, how do I keep more of what I made this year?” A 1:1 session can help you wrap up strong and prep for a smarter 2026.

Want help closing your books and setting up your next money moves? We got you.

👉🏾 Book a Year-End Strategy Session Now

Let’s finish this year on a high note—and make next year your most profitable yet.

—In The Moment Financial Services