Before Q3 Ends… The Financial Moves That Matter
As September winds down, Q3 is almost in the rearview mirror and so is your opportunity to pivot before year-end.
This is your last real window to assess where your money, business, and strategy stand and take action that actually moves the needle before December hits.
Here’s your CEO-level Q3 review checklist to help you finish strong and build momentum for Q4.
1. Check Your Year-to-Date Profit (Not Just Revenue)
What have you actually kept so far? Revenue is exciting, but profit is what builds wealth.
Action Step: Pull your P&L and calculate your net profit YTD. Then ask: is this on track with your 2025 goals?
2. Review & Adjust Your Tax Projections
Have your quarterly estimates matched your growth? If not, you could be facing penalties—or leaving tax-saving opportunities on the table.
Action Step: Recalculate your projected income and tax liability based on what you’ve earned so far. Adjust Q3/Q4 payments if needed.
3. Align Your S-Corp Salary & Distributions
If you're structured as an S-Corp, now’s the time to double-check:
Have you paid yourself reasonable compensation?
Are your distributions balanced?
Do you need to adjust before Q4 hits?
Smart move: Don’t wait for December to “fix” this. The IRS watches closely.
4. Cut What’s Not Working
Subscriptions you don’t use. Tools you don’t need. Contractors you’ve outgrown. A lean Q4 = more profit and clarity.
Action Step: Audit your bank/credit card statements and slash anything that’s not helping you grow or scale.
5. Make Strategic Investments Before Year-End
Still time to:
Invest in software, equipment, or coaching
Boost retirement contributions
Restructure your entity or launch tax-saving initiatives
September is ideal, enough time to implement, track, and benefit before the year closes.
Financial freedom is built in seasons like this, when most people are coasting but you choose to get intentional.
Don’t wait for the holiday rush to “get serious.” Your Q3 financial review starts now, and so does your momentum.
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