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Financial Well Being Network LLC We are financial educators who assist our clients in optimizing their financial choices.

The market decides your return. Your tax rate decides what you keep.Two people can buy the same fund, sell the same day,...
10/16/2026

The market decides your return. Your tax rate decides what you keep.

Two people can buy the same fund, sell the same day, book the same gain — and walk away with different money. The difference isn’t the investment. It’s the holding period, the account it sat in, and whether anyone planned for the bill.

Sell at 11 months instead of 13 and the gain gets taxed as ordinary income. Hold an income-heavy asset in the wrong account and you pay tax every year on money you never touched. Sell at a loss and buy back too soon and the loss doesn’t count at all.

None of this is about picking investments. It’s about what the IRS takes from the ones you already own.

We handle the tax side. finwb.com

Divorce splits the assets. It does not split the tax evenly.Two accounts showing the same balance are not worth the same...
10/15/2026

Divorce splits the assets. It does not split the tax evenly.

Two accounts showing the same balance are not worth the same after tax. A 401(k) divided the wrong way triggers a 10% penalty. And alimony has not been deductible since 2018 — if your agreement was signed after that, the rules your friend remembers do not apply to you.

The decree is a legal document. It is not a tax plan.

One more thing most people learn too late: your filing status for the entire year is decided by where you stand on December 31.

Going through it this year, or already did? Talk to someone before that date.
finwb.com

The extension was never an extension to pay. Thursday is the real date. Miss it and the penalty for filing late runs ten...
10/14/2026

The extension was never an extension to pay. Thursday is the real date. Miss it and the penalty for filing late runs ten times the penalty for paying late — 5% a month against 0.5%. So if you can’t cover the bill, file anyway. The expensive mistake isn’t owing money. It’s staying quiet.

You've read the posts. You know what's leaking. Here's the part where you stop doing it alone.1.⁠ ⁠You apply. About thre...
10/02/2026

You've read the posts. You know what's leaking. Here's the part where you stop doing it alone.

1.⁠ ⁠You apply. About three minutes, online. That's the whole ask.
2.⁠ ⁠We review. Your last return, your entity, your actual numbers.
3.⁠ ⁠You get a plan. The moves that apply to your situation — before December 31, while they still work.

No shoebox to assemble first. No spreadsheet to build. No homework before we talk. Bring what you have, even if what you have is a mess — that's normal, and sorting it out is the job.

📞 713-900-8880 · Houston, The Woodlands, Sugar Land, Katy, Pearland, Cypress, Spring, Tomball, Missouri City

Educational content, not individualized tax advice.

"It's a write-off." Four words that have cost business owners a lot of money.A deduction lowers your taxable income. It ...
10/01/2026

"It's a write-off." Four words that have cost business owners a lot of money.

A deduction lowers your taxable income. It does not lower your tax bill by the amount you spent.

Spend $10,000. Deduct $10,000. At a 24% rate you save about $2,400 — and you are still $7,600 poorer than before you bought the thing.

That math is fine if the business actually needed it. The equipment, the vehicle, the software — buy it, deduct it, good. It is a terrible reason to buy something you don't need in the last week of December.

A deduction is not a credit. Your rate decides the saving.

📞 713-900-8880 · Houston + surrounding

Educational content, not individualized tax advice. Illustrative example only — your rate and situation differ.

Three mistakes, over and over. None of them complicated.One account for everything. Personal and business money in the s...
09/30/2026

Three mistakes, over and over. None of them complicated.

One account for everything. Personal and business money in the same place means every deduction becomes an argument you have to reconstruct later. Fix: a separate business account and card. That's the whole fix.

A salary set once and forgotten. If you own an S corp, that number quietly drives your health insurance deduction and where you land against the QBI thresholds. Fix: review it before your last payroll run of the year.

Calling your CPA in April. By then the year is closed. Nothing left but arithmetic. Fix: the decisions happen before December 31.

All three are still fixable this quarter.

📞 713-900-8880 · Houston + surrounding

Educational content, not individualized tax advice.

Five deductions most business owners leave on the table.Home office — the simplified method is $5 per square foot, up to...
09/30/2026

Five deductions most business owners leave on the table.

Home office — the simplified method is $5 per square foot, up to 300 square feet. No receipts to shoebox, no depreciation math.
Phone and internet — your business-use percentage is deductible. Most owners claim zero because working it out feels like a hassle.
Startup costs — up to $5,000 in your first year, with the rest amortised.
Merchant and bank fees — every Stripe, Square and processing fee. Small individually, meaningful annually.
Business gifts — deductible, but capped at $25 per person per year, which almost nobody knows.

The standard is whether it's ordinary and necessary for the business. That's the test — not whether it feels aggressive.

Five things still available in Q4 that most owners never use.1.⁠ ⁠Accountable plan — reimburse yourself for home office ...
09/29/2026

Five things still available in Q4 that most owners never use.

1.⁠ ⁠Accountable plan — reimburse yourself for home office and mileage before year-end. Needs a written plan and real substantiation.
2.⁠ ⁠Prepay under the 12-month rule — insurance, rent, subscriptions. Cash basis.
3.⁠ ⁠Time your December invoicing — cash basis, push income into January.
4.⁠ ⁠Give appreciated stock instead of cash — skip the capital gain, deduct the value.
5.⁠ ⁠Harvest capital losses — offset gains, but mind the 30-day wash-sale rule.

Every one of them expires with the year.

📞 713-900-8880 · Houston + surrounding

Educational content, not individualized tax advice.

December 31 isn't your deadline. It just looks like one.Adjusting your S corp salary takes payroll runs you may not have...
09/29/2026

December 31 isn't your deadline. It just looks like one.

Adjusting your S corp salary takes payroll runs you may not have left. Equipment has to be placed in service, not ordered — that's weeks of lead time. A property sale takes 30 to 60 days to close. A retirement plan has to exist before the year does.

By December, most of these are already out of reach. Q4 is the last quarter where any of it is still a decision.

📞 713-900-8880 · Houston + surrounding

Educational content, not individualized tax advice.

Your kids can be on the payroll — and it's a real deduction.The work has to be genuine, age-appropriate, and paid at a r...
09/28/2026

Your kids can be on the payroll — and it's a real deduction.

The work has to be genuine, age-appropriate, and paid at a reasonable rate, with timesheets to prove it. Do that and the wages are deductible like any other.

Here's the part most people miss: if you're a sole proprietorship or a partnership where both partners are the parents, wages to a child under 18 are exempt from Social Security and Medicare tax. Incorporate, and that exemption disappears.

📞 713-900-8880 · Houston + surrounding

Educational content, not individualized tax advice.

Address

13100 Wortham Center Drive
Houston, TX
77065

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

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+13072151013

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