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FIDUCIARY ADVISORS
FIRST EDITION · NOVEMBER 2026
The Smart Money Update
with Matt
Monthly tax & finance tips, market snapshot, upcoming deadlines & more!
Tax ideas. Business insights. Smarter decisions.
THE SMART MONEY UPDATE · NOVEMBER 2026
Coming Soon.
First newsletter article releasing
Subscribe to the newsletter01Featured Article
REAL ESTATE · YEAR-END PLANNING
Before the next property,
review the one you own.
A purchase price tells one story. Your cash flow, financing, records, and tax picture tell the rest. A useful year-end review connects all four.
Read the article
Start with the operating picture.
Compare the rent you collected with operating expenses, debt payments, and upcoming improvements. Keep cash flow and accounting income distinct when you review performance.
Make the records work together.
Organize rental income, expenses, invoices, and closing documents. Good records support the figures on your return and make your financial statements more useful.
Bring the next decision into the conversation.
Planning a refinance, a sale, or another acquisition? Bring the financing terms and your goals to the review before committing. The right questions depend on the property and your wider financial picture.
Our approach: understand what you own, connect the financial pieces, and prepare for your next decision.
Rental recordkeeping reference: IRS02Matt Explains
EPISODE CONCEPT
Profit isn’t the same
as cash in the bank.
A short walkthrough of operating profit, loan payments, and the cash available for your next move.
Preview the episode outline
- Start with a rental property’s operating income.
- Show where financing payments affect cash flow.
- Separate accounting income from money available to spend.
- Finish with the questions to bring to your advisor.
Recording to be added before distribution.
03Four Tax Tips
Small checks.
Fewer surprises.
Revisit estimated payments.
If income changed, revisit your estimates rather than repeating last quarter’s amount automatically.
IRS estimated tax guideKeep rental records together.
Income records and expense documentation support both your tax return and a clearer view of property performance.
IRS rental recordkeepingAn extension covers filing.
An extension gives you more time to file your return. It does not extend the original deadline to pay the tax owed.
IRS extension guide04Market Snapshot
The bigger picture.
Source: Schwab weekly digest · October 9, 2026
+0.41%S&P 500 return
September 2026
September 2026
31%S&P 500 stocks above
50-day moving average
50-day moving average
46.7%S&P 500 stocks above
200-day moving average
200-day moving average
What moved markets
Schwab reported improving market participation in early October, while gains remained concentrated in a relatively small group of stocks. Its September trading data also showed clients favoring broader fund exposure.
Read Schwab’s market updateThe breadth figures reflect the source’s early-October observations, not a live market feed. Market commentary is general information.
05Interest Rates
Rates to keep in view.
- Federal funds target rangeEffective September 17, 2026
- 3.75–4.00%
- Interest on reserve balancesEffective September 17, 2026
- 3.90%
Policy rates provide context for financing conversations. The rate available to your business or property depends on the lender, loan, and borrower.
Source: Federal Reserve, September 16, 202606Upcoming Deadlines
Put these on your radar.
-
Extended individual tax returns
General deadline to file 2025 federal individual returns with a valid extension. Special extensions and disaster relief can differ.
IRS filing reminder -
Year-end planning checkpoint
A planning milestone: review your records, expected income, and proposed transactions with your advisor before the year closes.
-
2026 fourth estimated tax payment
January 15, 2027: the general fourth payment date for calendar-year individuals. Confirm which rules apply to you.
IRS Form 1040-ES
About The Author
Mathew Carrion
CPA · CMA · CVA · EA
Senior Advisor at Arete. Mathew helps real estate investors and business owners connect tax planning, financial reporting, and fractional CFO support with their wider goals.
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