KLD Consulting LLC

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KLD Consulting LLC Helping business owners save thousands on taxes annually and accounting for the future instead of the past.

10/17/2026

Snowball or avalanche? This shows you which one is actually faster for your debts. Put in what you owe, the rate and the minimum, then flip between the two and watch the whole plan change. It gives you the month you're debt free and what you save in interest.

Free and paid spreadsheets: https://kld-consulting.com/templates.php

10/16/2026

A shop owner whose rate had not moved since 2021 was quoting at a loss on every third job. The fix was arithmetic, not sales. Wages, materials and insurance had all gone up since then, so the busier the shop got, the more those jobs cost him. What an hour of shop time actually costs today is the first number I check.

10/16/2026

If you're self-employed and April keeps surprising you, this is the fix. Put about a dozen numbers from your books in and it adds up your self-employment tax and your income tax, then tells you how much to send each quarter so you don't get hit with a penalty. Every due date, with what you've already paid. Not tax advice.

Free and paid spreadsheets: https://kld-consulting.com/templates.php

10/15/2026

Most mileage logs fall apart at tax time because the trips were never written down with the date, the purpose and the miles. This one keeps all three, and you set up the places you drive to once and just pick them. Not tax advice.

Free and paid spreadsheets: https://kld-consulting.com/templates.php

10/15/2026

We've lived full-time in our RV for two years, and people always ask what a trip actually costs. Ours comes to a dollar forty a mile, all in — fuel alone is forty-five cents. Every fill-up goes in and it works out our real miles per gallon, full to full, so I know what the next trip will run before we book it.

Free and paid spreadsheets: https://kld-consulting.com/templates.php

10/14/2026

Big tax news that's flying under the radar for a lot of owners: 100% bonus depreciation is now permanent for equipment placed in service after January 2025 — no more step-down to 40%, then 20%, then gone, like the old law had scheduled. Section 179 expensing was also doubled, up to $2.5M.

In plain English: if you buy equipment, vehicles, software, or other qualifying business property, you can write off the entire cost the year you buy it — not spread over 5-7 years.

For architecture and engineering firms buying design workstations, IT firms upgrading servers, or any practice investing in equipment — the timing of that purchase now has a real, permanent tax lever behind it.

The catch: it only helps if it's planned before the purchase and tied to your actual numbers for the year — not decided after the fact in April.

Any equipment or big purchases on your radar before year-end?

10/14/2026

Half my clients don't use accounting software and don't want to. So I built them this: fifteen minutes a week with your bank app open and your books are done. Type what you make and what you spend, or paste your bank download and tag each row once. It shows your profit and how much to put aside for taxes.

It's the Simple Business Tracker: https://www.etsy.com/shop/KeepMoreTemplates

10/13/2026

A fab shop owner told me his shop rate hadn't changed since 2021.

He said it the way you'd say "we've always parked on this side" — a fact, not a problem.

So we did the math on what an hour of his shop actually costs. Not the wage. The wage, plus the payroll taxes on that wage, plus the benefits, plus rent, power, insurance, the equipment note, and the admin time nobody bills for. All of it, divided by the hours the floor actually runs.

His true cost per hour had drifted up about eight dollars since he set that rate.

Five thousand billable hours a year. Eight dollars. Forty thousand dollars — gone, this year, with no invoice and nobody to blame.

He was busy the whole time. That's what makes it expensive: busy at 2021 prices just hands the margin away faster.

Here's the part that matters for your taxes, too. He'd been planning to buy a machine and kept deciding he couldn't afford it. He could. The margin was already there — it was leaking out through a quoting sheet nobody had revisited in four years. Fix the rate first, and the equipment purchase becomes a tax decision instead of a cash-flow crisis.

Do this one thing this week: work out what one hour of your shop actually costs you, today. If you can't say the number off the top of your head, that IS the finding.

10/12/2026

Two 2026 rules that sound identical and aren't — and for any shop buying equipment this year, the difference is real money.

Section 179 lets you expense up to $2,560,000 of equipment this year, with the phase-out starting at $4,090,000 of purchases. 100% bonus depreciation is permanent again. Most owners hear that and assume the write-off is automatic.

It isn't. Here's the part that decides it:

Section 179 is capped at your taxable business income. It cannot create a loss or deepen one — anything disallowed just carries forward to a future year. Bonus depreciation has no income limitation at all. It CAN create or expand a net operating loss.

So the same $600K machine behaves completely differently depending on the year you're having:

• Strong year, healthy profit → §179 gives you control. You elect it asset by asset, expensing what you want gone and depreciating the rest.
• Soft or breakeven year → §179 gets disallowed and pushed forward. Bonus is the tool that actually produces the deduction now.
• Either way the ordering rule is fixed: §179 first, then bonus on whatever basis is left. So the §179 election is a decision about WHICH assets, not whether.

That decision gets made at purchase — not at filing. By the time the return is being prepared, the year is closed and you're just recording what already happened.

Want a quick read on what proactive planning is worth in your shop? Free, about 2 minutes, no login: https://taxplan.kld-consulting.com/estimate

10/08/2026

Your tax return is a rearview mirror. A tax plan is the steering wheel.

Swipe through what a real plan actually covers — and check the dates on the last slide, because every one of these moves dies at year-end.

See what a plan would be worth for you — free, about 2 minutes, no login: https://taxplan.kld-consulting.com/estimate

Address

St. Louis, MO
63367

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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