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If your most critical employee left tomorrow, do you know what that would cost your business? Most owners can guess at the obvious line items. Far fewer have priced out what actually happens in the months after. The obvious costs are the easy part to budget for Recruiting fees, job postings, and the hours your…

Check out our LinkedIn Post on this topic too. If you run a growing business, there is a good chance your accounting function has outgrown your current setup. Maybe the books are always a few weeks behind. Maybe you are still the one reconciling accounts at 9 p.m. Maybe you simply do not trust the…

Most business owners pick an entity structure once, usually in the first year, and never think about it again. That makes sense when you are just getting started. It stops making sense once the business looks nothing like it did when you formed it. An entity structure that was right at formation can quietly cost…

If you have ever looked at your bank balance and thought “the numbers say we are fine, so why does it feel like we are always scrambling,” you are not alone. A lot of growing businesses reach a point where the bookkeeping is accurate and the tax return is on time, yet nobody is actually…

Choosing a CPA is one of the more consequential decisions a small business owner makes, yet it often happens in a rush, usually right before a tax deadline. A good CPA does far more than file a return. The right fit can shape how you price your work, plan for taxes throughout the year, and…

Relocating to a new city is equal parts exciting and overwhelming. St. Louis makes the landing easier than most: it is affordable, easy to get around, and full of character. Use this checklist to stay organized before and after your move. Before you move Pick your area. City or county, urban or suburban? Each has…

Thinking about moving to St. Louis, or just wondering how far your paycheck really goes here? The short answer is further than in most of the country. St. Louis consistently ranks as one of the more affordable major metros in the United States, and for many households that gap is the difference between getting by…

St. Louis is a city of neighborhoods, each with its own personality, price point, and pace. Whether you are raising a family, just starting out, or looking for walkable charm, there is a pocket of the city or a nearby suburb that fits. Here are some of the best places to live in the St.…

Forming an LLC is usually the smartest way to start a business in Missouri. It separates your personal assets from your business, keeps your taxes flexible, and costs as little as $50. Missouri also has no annual report requirement, so the upkeep is lighter than in most states. Here is the process, start to finish.…

There’s a phone call we get so often we could set our watch by it. An owner, usually a good one, says some version of: “My P&L says I made $90,000 last quarter. So why am I sweating payroll this Friday?” And then, quietly, the question underneath it: “Am I doing something wrong?” Usually, no.…