Plan your household finances around your business
Your business and your household share a cash flow problem, even when their accounts stay separate. Use Nino’s AI software to see both; add a CPA and CFP team for financial planning and business and personal tax filing.
Variable income
Compare household spending with expected salary, distributions, and reserves.
Tax records
Keep relevant documents and income assumptions available for planning questions.
Retirement saving
Explore savings goals alongside the cash your business and household need.
Business and personal tax filing
The Premier Advisor plan includes a human CPA and CFP team, plus business and personal tax filing.
Decisions to check carefully
These decisions deserve a closer look. Start with the numbers, then get professional help where you need it.
Separate accounts
Business and personal finances affect each other, but legal ownership and bookkeeping still need clear boundaries.
Payment timing
A profitable year can still leave a cash shortage when estimated taxes are due. Plan reserves alongside draws.
Compensation decisions
Entity and salary decisions depend on legal and tax requirements, not only the lowest apparent tax rate.
Federal and state tax filing is included on every Advisor plan, from $3,600 a year.
Guides for small business owners
Read up on these decisions, or run your own numbers.
SEP IRA
A SEP IRA lets a business owner contribute up to 25% of pay, capped at $72,000 for 2026. Here is the self-employed math, the employee rule, and the deadlines.
Read guideSolo 401(k) vs SEP IRA
A Solo 401(k) beats a SEP IRA at most incomes because it adds a $24,500 employee deferral and catch-ups. See the 2026 math at $60K, $150K, and $300K.
Read guideTax and Financial Deadlines for 2026 and Early 2027
Every date from October 2026 to April 2027: estimated taxes, December 31 moves, tax forms, IRA and HSA deadlines, and life-event clocks that run on their own.
Read guide2026 Tax Changes
The One Big Beautiful Bill Act changed SALT, charitable, QSBS, and AMT rules for 2026. What changed, who it affects, and what to do by December 31.
Read guideSEP IRA Contribution Calculator
Estimate your 2026 SEP IRA maximum as a sole proprietor or S corp owner, the federal tax it saves, and the Solo 401(k) alternative.
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