JANETTE L. DAVIS, CPA, LLC

11/01/2026

For older entrepreneurs who aren’t quite ready to retire, buying and growing a business with their children becomes part hobby and part training ground for the next generation.

10/31/2026

AI tools helped find one of the most severe online bugs ever. Cyber experts are racing to patch it before hackers use AI to exploit it.

10/31/2026

The choice of business structure is not a final decision. You may amend your business structure to your changing needs.

10/31/2026

Not every monster wears a costume this month. Some show up as a text pretending to be your bank. 👻

Three cybersecurity myths worth burying this October:

🎃 "Some of my accounts are too small to bother with." False. Most attacks aren’t personal. Automated bots test thousands of accounts at a time, looking for a weak spot.

🎃 "Only older adults fall for scams." Absolutely false. FTC data has consistently shown adults in their 20s are reporting fraud, too.

🎃 "I'd know a phishing email if I saw one." Maybe once. AI-generated phishing has erased the classic tells: broken grammar, misspellings, and awkward phrasing.

This time of year, it's worth taking a moment to look past the obvious scares and pay attention to the sneakier ones, too.

10/30/2026

Surprises crop up every day, and they’re a great reason to work with us.

Making the most of surprises is a great reason to work with us.

10/30/2026

Chocolate prices are up 15.5% this season. But that hasn't stopped people from filling their trick-or-treat bowls.

10/29/2026

Married women can protect their finances with these five essential safeguards, from independent credit and savings to beneficiary reviews.

10/29/2026

This message provides a look at how variable rates of return impact investors over time.

A look at how variable rates of return impact investors over time.

10/29/2026

Nationwide's 2026 study surfaced three key lessons from parents:

🎯 Not starting early enough.
More than 25 percent of recent retirees wish they had started sooner. Fifteen years of compounding early in a career can make a HUGE difference.

🎯 Not raising the contribution rate as your income grows.
Thirteen percent of recent retirees wish they had contributed more to their savings each year.

🎯 Claiming Social Security at 62.
More than a third of boomers plan to claim benefits the moment they become eligible, even though doing so cuts the monthly benefit by 25 to 30 percent for life.

According to the SSA, waiting past full retirement age adds 8 percent per year, up to age 70.

Across the research, three things seem to matter most:

1️⃣ Starting early
2️⃣ Getting an outside perspective rather than relying on instinct alone
3️⃣ Treating retirement as something that unfolds over decades rather than a single date on the calendar

10/28/2026

During retirement planning, many people underestimate how much they will pay for Medicare.