JANUARY 2026 NEWSLETTER

Welcome to January! 

There’s something magical about January, the sense of renewal, the spark of motivation, and the excitement of new possibilities. In the world of business and finance, January symbolizes the cleanest slate you’ll get all year. It’s the ideal moment to get organized, set clear goals, and ensure your business structure is truly aligned with the success you’re building. 

This month is all about foundation. Whether you’re growing, pivoting, or simply starting fresh, now is the time to make sure your business and financial systems are ready to support your next level. 

 

Sole Proprietorship vs. LLC vs. S-Corp 

Your structure shapes your taxes, liability, and long-term scalability. 

Choosing your business entity at the start of the year sets the tone for stability, tax savings, and confident growth. Here’s a simple, clear overview to help you decide: 

Sole Proprietorship 

A great starting point  but limited as you grow. 

  • Easiest and most affordable setup 

  • Ideal for brand-new entrepreneurs or side hustles 

  • No liability protection 

  • Higher taxes as profit increases 

Tip: If you’re earning more than $20–30K in profit, it may be time to level up. 
 

LLC (Limited Liability Company)

The perfect blend of simplicity and protection. 

  • Separates personal and business assets 

  • Professional and trusted structure 

  • Ideal for real estate, partnerships, or multiple ventures 
    Can later be taxed as an S-Corp

Great option if you want to protect yourself but aren’t ready for payroll requirements. 

S-Corporation
(S-Corp) 

Often the most tax-efficient choice for growing businesses. 

  • Significant savings on self-employment tax 

  • Allows salary + distributions

  • Elevated credibility and cleaner financial structure

  • Great for those earning $30K+ in annual profit 

Requires payroll and more structured bookkeeping but the savings and benefits often outweigh the added steps.

A simple reflection for the new year:  

“Does my current entity match the business I’m becoming in 2026?” 

If the answer is no or even “I’m not sure”,January is the perfect month to update your structure. New year, new systems, stronger strategy. 

A FRESH START FOR STRUCTURE & SUCCESS 

A new year, a clean slate, and the perfect time to strengthen your financial foundation