Preparing for Q4 — How Business Owners Can Finish the Year Strong
- In The Moment Financial Services
- Sep 3
- 2 min read
September isn’t just back-to-school season — it’s also “back-to-business” season.
Summer slows things down for many entrepreneurs, but as soon as September hits, the pace picks up. Before you know it, Q4 is here, and that means holiday sales, year-end tax prep, and planning for the new year.
If you’re a business owner in Pennsylvania (or anywhere, really), here’s how to make sure you finish the year strong:
1. Check Your Financial Health
Review your profit and loss statements.
Compare your year-to-date numbers with last year’s performance.
Identify where you can cut unnecessary expenses before year-end.
A quick financial “check-up” now saves a ton of stress later.
2. Plan for Taxes Before It’s Too Late
The worst time to think about taxes is when the IRS is already knocking. Use Q4 to:
Catch up on unpaid city, state, or federal taxes.
Adjust your estimated tax payments if business has grown this year.
Book a consultation with a tax professional (hi, that’s us 👋).
3. Maximize Deductions
Want to reduce your taxable income? Q4 is prime time to:
Invest in new equipment.
Prepay certain expenses before December 31.
Contribute to retirement plans.
4. Don’t Forget About Compliance
If you’re in PA, annual business reports are due soon — don’t wait until the last minute.
Double-check that your licenses and permits are up to date.
5. Set Goals for 2026 Now
Yes, it feels early, but smart business owners plan ahead. Take some time to:
Reflect on what worked (and what didn’t) this year.
Outline your top 3 business priorities for next year.
Think about systems, staff, or software upgrades that can make your life easier.
✅ Final Note: Q4 doesn’t have to be stressful — it can actually set you up for success if you get proactive. Instead of scrambling in December, start putting things in place now.
Need help with your taxes, compliance, or financial strategy? Schedule a consultation with In The Moment Financial Services today and let’s finish this year strong.
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