The end of any year’s second quarter marks a lot of things which don’t directly have to do with business. The kids are out of school, maybe off to summer camp, maybe not. Either way, isn’t a summer vacation just what we need?

By all means, go for it! Carpe diem!                                                                              .

But when you return, take advantage of the balance of 2025’s third quarter to position your business for a great fourth quarter, and success in the coming year.

Here are some Q3 strategies we recommend:

In-Depth Review of Financials

With the year half over, this is the perfect time to assess your 2025 results to date, compared with your budget forecasts and annual goals.

• Review P&Ls, balance sheets, general ledgers.
• Analyze your revenue and expenses―where is your cash flow coming from, are there any revenue opportunities you can capitalize on, or economies on outlays you can make?

In other words, identify what’s working for you and what isn’t. Adjust your forecasts, goals, and strategies, as necessary.

This is also the time to begin modeling your 2026 budget.

Identify Business Investment Needs

The third quarter is also a great time to handle needed new investments, such as:

• Staffing needs
• Equipment purchases
• Software

Take care of your business’ needs now, so that you aren’t scrambling during the fourth quarter.

Legal & Risk Management

Review all:

• Contracts
• Insurance policies
• Business licenses
• Pending legal matters
• Compliance deadlines

If you have made operational changes, or if regulations affecting your industry have altered, re-evaluate your risk exposure accordingly.

Tax Planning

Are you:

• Paid up on your 2Q taxes?
• Prepared for 3Q liabilities?

Have you:

• Got your year-end tax planning ducks all in a row?

Tax planning in the third quarter leaves you breathing room to take action before year-end.

Which brings us to our last point:

Consult Your Fractional CFO

When it comes to business, financial, and tax matters, your fractional CFO is as close to one-stop shopping as you can get.

At Rigby Financial Group, our mission is to see that you and your business are set up for success at every step.

Let us help you:

• Gain the advantage of our outside perspective, to see opportunities―and risks―you’ve missed.
• Devise strategies to make the most of those opportunities, and mitigate the risks.
• Identify tax-saving strategies and help you implement them.
• Analyze your financials for revenue over-concentration, and come up with strategies to help broaden your client base.
• Prune away expenses you may not need to carry.
• Develop forward-thinking budgets and forecasts.

Let Rigby Financial Group’s expert fractional CFOs help you make the most of the third quarter’s opportunities!.

Please click here to email us directly – helping you is our mission and our passion!

Or, to schedule a consultation with one of our fractional CFOs, click here.

Until next time —

Peace,

Eric