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January 10, 2026

James Todd & Co Accountants Clarify Why Financial Resilience Is a Key Priority for Healthcare Organisations in 2026

Established accountants and business advisory specialists, James Todd & Co , have advised that the prevailing theme for the year ahead for many private healthcare businesses will be stability and resilience, as thousands face challenging budgets amid rising trading costs. The pressures of higher staffing costs and energy bills, alongside increasing regulatory compliance complexity, have offset the sharp rise in demand for private healthcare services, leaving the specialists in healthcare sector accountancy to urge the industry to pay close attention to budgeting and cash flow forecasting. Factors Putting Healthcare Organisations in the UK Under Increased Financial Strain Over the past few months, almost all industries have seen overheads rise, with above-average inflation leading to sustained operating costs, but this has been felt perhaps most acutely by the healthcare, social care, and medical sectors, owing to a combination of factors. Data shows that globally, medical inflation is expected to reach 7% this year. This is coupled with higher payroll costs, reduced profitability that hampers investment and expansion, and significantly greater energy costs, which have risen 75% for businesses since 2021. For healthcare providers, from opticians to physiotherapists, dental practices and private consultants, the impacts have been pronounced, not least because many were already dealing with workforce shortages, and facing competition from low-cost, often unregulated overseas providers. In addition, privately paying clients have been hit by higher costs of living, which has led to greater uptake of finance plans and delayed payments, further affecting the stability of stretched cash flows. Regulations have also changed, in some instances considerably, in the last year. This includes the introduction of the CQC’s new Single Assessment Framework, extensions to the services that fall under the scope of CQC regulation, increased requirements around workforce and safe staffing mandates, and the introduction of Digital Staff Passports which affect private providers that provide contracted services to the NHS. Guidance for Private Healthcare Companies Dealing With Financial Pressures Oliver Read, FCCA ACA, Audit and Assurance Director at James Todd & Co says, ‘ The healthcare, therapeutic and private health sectors deal with ever-changing pressure points and pricing challenges, and we’ve seen a greater proportion of businesses looking for pre-emptive support to ensure their finances are in good shape and under continual monitoring. When operating costs outpace revenue streams or funding, the most vital aspect is ensuring that businesses operate with up-to-date reporting and can make decisive, strategic decisions before they reach a crisis point. Although the general picture can seem gloomy, the reality is also that private sector providers who have diversified to meet changing trends in terms of patient needs and priorities have seen substantial success, and long waiting times and lack of access to public sector care have seen the value of the UK private healthcare market reach £12.4 billion. Our advice is to ensure health and social care sector businesses worried about the trading year ahead, unsure about their resilience to cope with higher trading costs or planning large-scale investments or asset acquisitions conduct a thorough financial review as a starting point to ensure they can adapt to any further cost pressures that may arise and have a solid foundation that emphasises stability above all else .’ Trends in Demand for Accountancy Support From Professionals With Healthcare Sector Expertise James Todd & Co focuses on a small number of core sectors, within which its teams of Chartered Accountants, advisers and consultants have a strong level of professional expertise. Amid a turbulent period of tax reform, rising operating costs, and regulatory changes, the firm has seen a marked increase in enquiries from new clients. Oliver says, ‘ Healthcare has always been a niche sector, and it’s incredibly rare for generic accountancy assistance to be sufficient, even when consulting highly accredited professionals. That is because an understanding of funding avenues, revenue streams, CQC regulation, private insurance coverage, capital allowances, the tax treatments of locums, and the nuances of partnership structures are all specialist areas, especially when coupled with a need to identify efficiencies while delivering high-quality care services .’ The accountancy firm has previously published guides on how dedicated support, mentoring, and growth-centric advisory services have helped health and care providers achieve rapid success and welcomes prospective clients to contact its practices in Chichester or Fareham to arrange a convenient time to discuss their needs. Read more about James Todd & Co - Specialist technology team at James Todd & Co accountants explain why firms are increasingly looking for expert advisory support

January 9, 2026

Finance & Loan

MoneyPatrol Introduces Free Expense Tracking Platform to Support Smarter Personal Money Management

MoneyPatrol, a personal finance technology platform, today highlighted the availability of its free expense tracking software, designed to help individuals gain clearer visibility into their spending and improve everyday money management without subscription fees. As personal finances become increasingly complex due to digital payments, subscriptions, and rising living costs, MoneyPatrol aims to provide users with a practical tool to track expenses automatically and understand spending behaviour in real time. The platform is positioned to support individuals who want financial clarity without committing to paid budgeting software. Addressing a Common Financial Challenge Expense tracking remains one of the most persistent challenges in personal finance. Many individuals rely on manual spreadsheets or incomplete tracking methods, which can lead to inaccurate data and inconsistent habits. MoneyPatrol’s free expense tracking software is built to remove these barriers by automating transaction tracking and categorisation. The platform securely connects to supported financial institutions and imports transaction data automatically, allowing users to see a consolidated view of their expenses across accounts. By reducing the need for manual input, MoneyPatrol helps users maintain consistent visibility into their finances. Automated Tracking and Categorisation MoneyPatrol’s personal expense tracking software categorises transactions into common spending areas such as groceries, dining, transportation, utilities, and subscriptions. Users can review and adjust categories to reflect their personal spending patterns, creating a clearer picture of where money is being allocated. This structured approach enables users to identify trends, monitor recurring expenses, and recognise areas where spending may be higher than expected. Real-Time Spending Awareness Unlike traditional tracking methods that rely on periodic updates, MoneyPatrol provides real-time insight into spending activity. Users can view daily, weekly, and monthly expense summaries as transactions occur, supporting more informed decision-making and helping to avoid end-of-month surprises. The platform is designed to make spending data accessible and understandable, allowing users to connect individual transactions to broader financial goals. Supporting Budget Awareness Without Added Cost While the platform functions as a free expense tracker, it also supports basic budget awareness by comparing tracked expenses against user-defined spending limits. By tying budgets directly to transaction data, users can monitor progress throughout the month and adjust behaviour as needed. This approach allows individuals to develop better financial habits without the complexity often associated with traditional budgeting tools. Focus on Accessibility and Security MoneyPatrol’s free expense tracking software is intended for a wide range of users, including students, professionals, households, and individuals new to personal finance management. The platform is designed to be intuitive and accessible, without requiring financial expertise. Security and privacy remain central to the platform’s design. MoneyPatrol uses encrypted connections and read-only access when linking financial accounts, ensuring that user data can be monitored but not altered or transacted through the platform. A Practical Entry Point to Financial Awareness By offering a free expense tracking solution with automated features, MoneyPatrol aims to lower the entry barrier for individuals seeking greater control over their finances. The company positions expense awareness as a foundational step toward more informed financial planning and long-term stability. As interest in personal finance tools continues to grow, MoneyPatrol’s focus remains on providing practical functionality that helps users understand and manage everyday spending with minimal friction. About MoneyPatrol MoneyPatrol is a personal finance platform that helps individuals track expenses, monitor spending patterns, and gain clarity over their financial activity. By combining automated transaction tracking with intuitive insights, MoneyPatrol supports users in developing better money management habits through accessible and secure technology.

January 8, 2026

Finance & Loan

Pennie Announces Income-Focused Lending Expansion To Help Everyday Borrowers Access Fair Loans

Many Americans searching for personal or consolidation loans find themselves overwhelmed, juggling bills, comparing confusing offers, and worrying about who's getting their data. Pennie , a consumer-first loan marketplace, offers a different approach: clear options, privacy protection, and a platform built to serve borrowers at every credit level. Pennie connects everyday borrowers with a nationwide network of lenders, giving users access to multiple loan offers rather than a single yes-or-no answer. The 60-second application process delivers personalized options quickly, with funding available as soon as the next day for qualified borrowers. The platform serves people who may feel overlooked by traditional lenders, including those with limited credit history, past financial setbacks, or non-traditional income sources. Through its income-focused lending model, Pennie’s matching technology evaluates the full picture, helping borrowers qualify based on their earning power and employment stability rather than a credit score alone. This opens doors for workers who have steady paychecks but damaged credit, a population largely ignored by conventional lenders. The numbers reflect that mission: 32 million people have been funded through the Pennie platform, with 350 million loan offers made in 2024 alone. "A credit score is a snapshot of the past — it doesn't tell the whole story," said Sam Mkhitaryan, Co-founder of Pennie. "We built this platform to help serve people based on where they are today, not where they were three years ago." Many loan comparison sites collect applicant data and sell it to third parties, resulting in a flood of unwanted calls and emails. Pennie operates differently; the company does not sell or share customer information. Borrowers review offers in a private dashboard and choose whether to move forward, without being hounded by outside marketers. This commitment to privacy has earned Pennie a 4.9 rating on Trustpilot. Pennie pairs its loan marketplace with educational resources designed to help borrowers understand their options. The platform explains common loan terms, APR, repayment period, and origination fees in plain language, so users can compare offers with confidence rather than guessing at the fine print. For borrowers unfamiliar with income-focused lending, Pennie’s resources clarify how income-driven qualification works and why it can be a better path for people rebuilding their financial lives. In a market filled with lead generators and aggressive sales tactics, Pennie keeps the borrower at the center. The platform presents side-by-side loan options from its lending network, letting users compare rates, terms, and funding amounts on their own terms. Pennie serves borrowers nationwide, regardless of their starting financial situation, and offers a clear path forward for Americans seeking income-focused lending options that respect their privacy and put them in control. About Pennie Pennie is a US-based loan marketplace that connects consumers with personal and debt consolidation loan offers from a nationwide network of lenders. The Pennie platform specializes in income-focused lending, serving borrowers across all credit profiles — including those with limited or challenged credit histories. With 32 million people funded through the Pennie platform, 350 million loan offers made in 2024, and a 4.9 Trustpilot rating, Pennie has established itself as a leading consumer-first alternative in the personal loan space. The company does not sell or share customer information.

January 8, 2026

Finance & Loan

Pennie's Income-Driven Lending Platform Expands to All 50 States With 350 Million Loan Offers

Pennie announced a major expansion of its consumer-first loan marketplace, bringing income-focused lending options to borrowers in all 50 states. The platform connects Americans with a nationwide network of lending partners and does not sell or share customer information — a privacy commitment that sets it apart in an industry known for aggressive data trading. Photo Courtesy of Pennie The expansion builds on significant momentum. In 2024 alone, the Pennie platform delivered 350 million loan offers and processed over 200 million customer inquiries. To date, 32 million people have been funded through the Pennie platform, making it one of the largest consumer-focused loan marketplaces in the country. Central to Pennie's model is an income-driven approach to lending. While traditional lenders often reject applicants based on credit scores alone, the Pennie platform matches borrowers with lenders who evaluate earning power and employment stability. This income-focused lending model opens doors for workers with steady paychecks but damaged credit — including those recovering from job loss, medical debt, or other financial setbacks. Borrowers complete a 60-second application and receive multiple loan offers to compare side-by-side. Qualified applicants can access funding as soon as next day. The streamlined process eliminates the runaround borrowers often face when shopping for personal or consolidation loans across multiple sites. Pennie does not sell or share customer data with third parties. Borrowers review offers in a private dashboard and communicate directly through the platform — no flood of calls from outside marketers. This approach has resonated with consumers, earning Pennie a 4.9 rating on Trustpilot. The platform also provides educational resources that explain key loan terms in plain language. Borrowers can understand APR, repayment periods, and origination fees before making a decision, giving them confidence and control throughout the process. The expansion brings additional lending partners into the Pennie platform and strengthens coverage in underserved markets. The goal: ensure every American — regardless of credit history or starting point — has access to fair, income-focused lending options. For borrowers who have been told "no" by traditional lenders, Pennie offers a different answer. About Pennie Pennie is a US-based loan marketplace that connects consumers with personal and debt consolidation loan offers from a nationwide lending network. The Pennie platform specializes in income-focused lending, serving borrowers across all credit profiles — including those with limited or challenged credit histories. With 32 million people funded through the Pennie platform, 350 million loan offers made in 2024, and a 4.9 Trustpilot rating, Pennie has established itself as a leading consumer-first alternative in the personal loan space. The company does not sell or share customer information.

January 7, 2026

Finance & Loan

Novion Global Receives 2026 Global Recognition Award For Leadership, Mentoring, And Community Service

Novion Global has secured a 2026 Global Recognition Award in recognition of its sustained performance across leadership, service, and mentoring, which effectively links institutional trading operations with structured community engagement. The London-based firm, authorized by the Financial Conduct Authority, showed consistent strength in strategic vision, ethical governance, and team development, building systems that align commercial objectives with structured investment in people and communities. The award follows an assessment process that examined Novion Global using a five-point scale, where five represents world-class capability, and the firm consistently achieved the highest scores across all graded dimensions. Independent evaluators reviewed leadership practices, service initiatives, and mentoring outcomes using a linear measurement model, which allowed them to compare organizations with different combinations of strengths in a precise and transparent manner. Leadership With Measurable Impact Novion Global's leadership structure links strategy, risk oversight, and client service in a way that supports consistent execution across commodities, equities, foreign exchange, fixed income, and structured products, while maintaining a transparent chain of accountability for decisions taken in fast-moving markets. Senior leaders utilize practical frameworks to guide day-to-day activities, enabling traders and operational staff to understand how individual actions align with regulatory requirements, client mandates, and the firm's defined risk appetite. Ethical decision-making plays a central role in this model, as Novion Global operates in markets where conflicts of interest and limited transparency can erode confidence if not correctly managed. Policies that emphasize transparent order routing, careful handling of client data, and clear segregation of client assets create a structure in which integrity is treated as a standard to be met, not an aspiration to be discussed. Leaders reinforce these expectations through training and monitoring, and staff are encouraged to bring potential issues to light early. Performance expectations at Novion Global are closely linked with professional development, which encourages employees to approach execution quality and risk awareness as parts of a long-term career path. Teams are invited to propose refinements to processes and client service routines. Viable suggestions are integrated into formal workflows after appropriate review and testing. Mentoring And Talent Development Mentoring stands at the center of Novion Global's talent strategy, with senior managers committing structured time to junior professionals developing careers in financial services. These mentoring relationships include technical topics such as market structure and risk management, while also addressing essential skills including communication, resilience under pressure, and long-term career planning. The firm enhances this mentoring structure with funded, role-specific training that allows employees to align their development plans with industry-recognized qualifications and clearly defined internal role requirements. New hires and recent graduates receive access to education that combines foundational knowledge with specialized content, and mentors help them apply that learning in areas such as trade execution, analytics, and client communication. Mentoring at Novion Global is treated as an integral operational tool rather than an informal activity, and managers regularly track outcomes to keep the program relevant as markets and skill needs change. Feedback from mentees is reviewed, and mentoring structures are adjusted to reflect changes in trading technology, regulatory expectations, and client demands. Service And Social Responsibility Service to the broader community forms a second pillar of Novion Global's recognition, and its work with Hope for the Young illustrates how the firm connects its mentoring experience with social needs. Through this partnership, employees support initiatives that help young refugees and asylum seekers gain access to education, structured guidance, and early career opportunities. The firm's community engagement also includes regular efforts to distribute food to homeless individuals in Paddington, which brings a local dimension to its broader commitment to service. These activities expose staff to the realities faced by people living with economic insecurity in the area where the firm operates, and they create opportunities to reflect on how financial market activity relates to the conditions of local communities. Measurement plays a crucial role in Novion Global's service programs, as the firm tracks participation, reach, and outcomes using metrics that adhere to the discipline applied to trading performance. This measured approach ensures that community initiatives maintain momentum and accountability over time, rather than becoming occasional events that lack follow-through or clear objectives. Final Words Leadership at Novion Global operates with a clear and disciplined vision that brings market execution, risk management, mentoring, and community service into a unified framework. The organization demonstrates that a trading operation can meet demanding requirements for compliance and performance while also prioritizing investment in people and communities, making this a defining feature of its identity. Alex Sterling, spokesperson for Global Recognition Awards, stated that "Novion Global shows how high standards in financial markets can exist alongside strong investment in people and communities, setting a clear example for firms that regard leadership as including lasting contributions to talent development and social well-being." He emphasized that the recognition reflects consistent performance over time, and commented that "this balance is what a 2026 Global Recognition Award is intended to highlight, because it shows that commercial success and social responsibility can advance together when leadership treats as central objectives." About Global Recognition Awards The Global Recognition Awards is an international organization that recognizes exceptional companies and individuals who have made significant contributions to their respective industries.

January 6, 2026

Finance & Loan

White Hat Zone Launches Educational Resources For Safe Trading & Scam Prevention

White Hat Zone has announced the launch of a new set of educational resources designed to help traders identify trading scams and avoid unregulated platforms. The initiative responds to growing concern among regulators and consumer advocates about the rising scale and sophistication of financial fraud, particularly within online trading environments where misinformation and misleading claims are widespread. Further details are available at https://www.youtube.com/watch?v=OZTbjRUG36E According to newly released data from the U.S. Federal Trade Commission, consumers reported losses exceeding $12.5 billion to fraud in 2024, representing a 25 percent increase compared to the previous year. A significant portion of these losses was linked to investment-related scams, including fraudulent trading platforms, impersonation schemes, and unregistered brokers. These figures highlight the need for accessible, practical education that helps individuals recognize warning signs before committing funds. White Hat Zone’s newly launched Learning Center is intended to provide that foundation. The educational materials focus on explaining how modern trading markets function, while also addressing common misconceptions that often leave inexperienced traders vulnerable. Rather than promoting shortcuts or guaranteed outcomes, the resources emphasize market structure, responsible risk principles, and the importance of maintaining control over personal capital. A central theme of the materials is scam prevention. Educational content explains common red flags associated with fraudulent trading schemes, such as promises of guaranteed returns and heavy recruitment, pressure to act quickly, lack of transparency or any real product to invest in, and difficulty withdrawing funds or requests for unusual payment methods. The resources also address the risks associated with unregulated platforms, outlining why regulatory oversight matters and how traders can independently verify whether a broker is registered with recognized authorities in jurisdictions around the world. In addition to scam awareness, the Learning Center introduces broader topics relevant to modern trading, including the differences between regulated and unregulated brokers, the mechanics of social and copy trading, and the role of discipline and emotional control in long-term decision-making. By addressing these areas together, White Hat Zone aims to reduce the likelihood that traders will rely on unverified online claims or follow advice without understanding the underlying risks. White Hat Zone's educational approach is a response to an industry often characterized by opaque marketing and exaggerated claims. The resources are designed to support beginners, investors, and social traders who want to understand trading fundamentals before risking money or following other market participants. Their emphasis remains on transparency, independent verification, and informed decision-making rather than speculation or persuasion. Learn more at https://x.com/whitehatzone White Hat Zone’s newly launched resources reflect a broader recognition that traders who understand how scams operate, how regulation works, and how markets function are better equipped to protect themselves and make measured decisions in volatile environments. Further information about White Hat Zone and its educational materials is available through the company’s online Learning Center at https://whitehat.zone/ed/learning-center/

January 3, 2026

Finance & Loan

Global Immigration Partners Shares Expert Guide on Choosing Franchise Options for E-2 Visa Success

FOR IMMEDIATE RELEASE Global Immigration Partners Shares Expert Guide on Choosing Franchise Options for E-2 Visa Success WASHINGTON, DC — January 2026 — Global Immigration Partners , a leading U.S. immigration law firm specialising in investor and business immigration, today announced the release of a new expert guide designed to help international investors identify the best franchise opportunities that align with the E-2 Treaty Investor Visa requirements. The E-2 visa continues to be one of the most flexible and entrepreneur-friendly pathways for eligible nationals of treaty countries to live and work in the United States while developing and directing a business. However, navigating the investment and business planning aspects of an E-2 application can be complex. Through its new franchise guide, Global Immigration Partners aims to clear up confusion by highlighting the types of franchise models that most closely match E-2 eligibility criteria. “ Choosing the right business matters just as much as qualifying for the visa itself, ” said Alexander Jovy, co-managing partner at Global Immigration Partners. “A well-structured franchise investment can strengthen an E-2 application by demonstrating a substantial, active business with clear operational and economic impact.” The guide outlines key factors that make a franchise “E-2 friendly,” including a real at-risk investment , active business operations , scalability , and the ability to support job creation —all of which are critical for demonstrating that a business is more than marginal. It also highlights franchise categories that internationally minded investors may find especially suitable, such as service-based home services, senior care, education and tutoring, and business-to-business services. In addition to franchise selection, Global Immigration Partners reinforces the importance of comprehensive planning, including detailed business plans and immigration strategy, to effectively support an E-2 visa application . The firm’s experienced attorneys guide investors through each stage of the E-2 process, from initial evaluation to documentation and consular interview preparation. Global Immigration Partners provides a broad range of immigration services, including E-2 investor visas, EB-5 immigrant investor programs, L-1 intracompany transfers, and a variety of employment and family immigration solutions. With a global footprint and multilingual legal team, the firm assists clients from across the world in navigating U.S. immigration processes. For more information and to access the full guide on choosing franchise options for an E-2 visa, visit globalimmigration.com . About Global Immigration Partners Global Immigration Partners PLLC is a boutique immigration law firm dedicated to helping investors, entrepreneurs, families, and corporations navigate U.S. immigration law. With deep expertise in business-focused visas and a commitment to personalized legal strategy, the firm supports clients in achieving their relocation and business goals. The firm offers free consultations and tailored legal counsel for individuals worldwide. globalimmigration.com Media Contact: Global Immigration Partners Website: https://globalimmigration.com/ Email: [email protected]

December 30, 2025

Finance & Loan

Small Business Taxes, LLC Launches Monthly Bookkeeping Service for SMBs

Small Business Taxes, LLC , a tax advisory firm focused on helping owner-led businesses reduce tax liability and improve financial clarity, today announced the launch of its new monthly bookkeeping service for small and midsize businesses (SMBs). The service is designed to provide consistent, accurate, and tax-aligned bookkeeping that supports better decision-making throughout the year—not just at tax time. Many SMBs rely on reactive or fragmented bookkeeping processes, often addressing their financial records only once or twice a year. This approach can lead to inaccurate financial statements, higher accounting costs, missed deductions, and unnecessary stress during tax season. Small Business Taxes’ new monthly bookkeeping offering is built to eliminate those challenges by keeping books clean, current, and aligned with proactive tax planning. “Most tax problems don’t start in April—they start months earlier with disorganized or incomplete books,” said Nate Nead, Co-Founder of Small Business Taxes, LLC. “We built this service because clean bookkeeping is the foundation of every good tax outcome. When your numbers are accurate month after month, you can plan ahead instead of reacting under pressure.” Bookkeeping Designed With Taxes in Mind Unlike traditional bookkeeping services that operate independently from tax strategy, Small Business Taxes’ monthly bookkeeping is structured with tax readiness as a core objective. Each month, client accounts are reconciled, categorized, and reviewed to ensure financial statements are accurate and consistent with year-round tax planning goals. By maintaining CPA-ready books throughout the year, business owners can avoid costly year-end cleanups and gain clearer insight into cash flow, profitability, and operating performance. The service also supports smoother collaboration with external CPAs or internal tax teams when needed. “Our goal is to make bookkeeping useful, not just compliant,” said Parker Moffat, President of Small Business Taxes, LLC. “When business owners understand their numbers in real time, they make better decisions. Monthly bookkeeping turns financials into a management tool instead of a once-a-year obligation.” Built for Growing Owner-Led Businesses The new service is designed for SMBs that have outgrown DIY bookkeeping but are not yet ready to build an in-house finance team. This includes service-based businesses, professional firms, and growing companies with multiple revenue streams or increasing operational complexity. Clients receive a predictable monthly cadence, consistent processes, and clear reporting—without the overhead of managing bookkeeping internally. The service emphasizes transparency, reliability, and continuity, allowing owners to focus on running their businesses rather than tracking down financial discrepancies. “Too many owners are flying blind for most of the year and then scrambling when taxes are due,” Moffat added. “Monthly bookkeeping gives them confidence that their numbers are accurate, their tax position is improving, and there won’t be unpleasant surprises at year-end.” Reducing Risk in a More Scrutinized Environment The launch comes at a time when SMBs face increased scrutiny around financial reporting and tax compliance. Rising enforcement activity, evolving tax rules, and tighter lending standards have made accurate, well-maintained books more important than ever. Small Business Taxes’ monthly bookkeeping service is positioned as a proactive response to these conditions, helping businesses maintain financial hygiene that supports compliance, financing readiness, and long-term growth. “Bookkeeping isn’t just about recordkeeping anymore—it’s about risk management,” Nead said. “When your books are clean and current, you’re in a stronger position with lenders, tax authorities, and strategic partners. This service is about giving business owners control and peace of mind.” Seamless Integration With Tax Strategy Because the service is offered by a firm rooted in tax advisory, bookkeeping clients benefit from workflows designed to support ongoing tax optimization. This alignment allows potential issues to be identified earlier in the year and addressed proactively, rather than discovered after opportunities have already been missed. The firm’s leadership emphasized that the new bookkeeping offering is not intended to replace CPAs, but rather to complement them by delivering accurate, consistent financial data that enables better tax planning and advisory outcomes. About Small Business Taxes, LLC Small Business Taxes, LLC is a tax advisory firm dedicated to helping small and midsize businesses reduce tax liability, improve financial clarity, and plan proactively. The firm specializes in owner-focused tax strategy, year-round planning, and practical financial solutions designed to support sustainable business growth.

December 30, 2025

Finance & Loan

IBH Investment Bank Launches Comprehensive Transformation to Strengthen Compliance and Digital Capabilities

IBH Investment Bank , a Labuan-licensed bank, has announced the launch of its comprehensive strategic update that is designed to strengthen its compliance infrastructure, modernize core technology systems, and position the institution for its next phase of sustainable growth across regional and international markets. Founded in 2009, IBH Investment Bank is now entering a new era marked by renewed leadership, enhanced governance frameworks, and significant investments in modernized core banking and cybersecurity systems. Since its founding, IBH Bank has been at the forefront of corporate fund management, consulting, advisory services, and investment banking. This strategic transformation for 2025-2026 marks a significant evolution in IBH Labuan’s ongoing growth as a proactive, responsible, and technology-driven financial institution that is fully aligned with Labuan FSA regulations. According to Gabriel Lim, the CTO and SVP of IBH, this comprehensive upgrade will unify the institution’s expanding portfolio, reflecting its commitment to regulatory excellence, technology modernization , operational resilience, and client service innovation. “We are excited about this transformation because it represents a deliberate, structured evolution of IBH Investment into a compliant, technology-driven, and well-capitalized institution that is fully aligned with international banking standards and Labuan FSA regulatory requirements,” said Lim. “Our goal is to strengthen our institution’s capacity to serve clients with integrity, efficiency, and transparency while meeting the highest standards of compliance and operational excellence.” IBH Investment Bank’s comprehensive transformation is built on three strategic pillars, which are designed to deliver sustainable regulated growth. These are compliance and governance upgrades, technology modernization, and new leadership. The IBH transformation 2026 began with comprehensive compliance and governance upgrades. The bank has implemented enhanced Anti-Money Laundering (AML) and Know-Your-Customer (KYC) protocols, reinforced its risk frameworks, strengthened its internal controls and governance committees, and increased its oversight in compliance and risk management to align more closely with regulatory expectations. IBH Investment Bank has also made a significant investment in technology modernization to enhance operational efficiency, strengthen security, and improve client experience. With its modernized technology infrastructure, which includes upgrades to its core banking and cybersecurity systems and digitalization, IBH Labuan is positioning itself for scalable growth in today’s increasingly digital financial services environment. IBH is also investing in systems like SWIFT GPI to support future growth and cross-border operations. “Our new compliance upgrade and technology modernization represent the most significant infrastructure investments we have made since establishing IBH,” added Lim. “We are laying a digital foundation that combines compliance, speed, security, and transparency so that we can protect our clients’ assets and information while competing effectively in the modern regional and international banking space.” To support its new strategic direction and regulatory commitments, IBH Investment Bank has strengthened its senior management structure with clearly defined leadership roles and accountability frameworks. With its new compliance-led leadership and an expanded senior management team across risk, compliance, and technology, IBH is poised for long-term strategic transformation. Lim shared that this updated leadership structure will create a clear line of accountability, separate risk and compliance oversight from business operations, and position IBH with the professional governance architecture that is expected of modern, regulated financial institutions. IBH Investment Bank’s transformation represents a significant strengthening of its capacity to serve clients, manage risk, and pursue sustainable growth in an evolving financial landscape. This strategic transformation will also drive the bank’s next phase of global growth as the institution plans to expand across ASEAN countries, West Asia, and international markets and deepen its relationships with clients and partners. “We remain committed to serving as a trusted financial partner for clients navigating regional and international financial markets. Our comprehensive transformation, spanning renewed leadership, strengthened compliance , and modernized technology, positions us to deliver on this commitment with integrity, efficiency, and transparency,” concluded Lim. About IBH Investment Bank : IBH Investment Bank is a Labuan FSA-licensed investment bank incorporated in 2009 and headquartered in Labuan International Business and Financial Centre. IBH Investment provides investment banking, fund management, and international financial services to clients across Asia, Europe, the Middle East, and the Americas. The institution exclusively operates within the scope of its Labuan Financial Services Authority license and ensures maximum legal security. For more information about IBH Investment Bank and its ongoing strategic transformation, visit https://ibhinvestmentbank.com/ .

December 30, 2025

Finance & Loan

Fremont CPA Firm Accounting & Tax Services For Growth-Stage Businesses Announced

The announcement is in line with the firm’s broader effort to make professional accounting and taxation support more accessible to Bay Area businesses, particularly those that have reached a point where managing bookkeeping and tax obligations internally becomes increasingly difficult as payroll, compliance, and reporting requirements become more complex with growth. More details can be found at https://www.vikprocpa.com/bizservices.php Many small and mid-sized businesses manage their own books in the early stages, relying on basic software and internal processes to track income and expenses. As operations expand, however, financial oversight often becomes more demanding. Payroll filings, estimated tax payments, and regulatory compliance can introduce risks that are difficult to manage without dedicated accounting support, the team notes. Vik Randhawa, CPA provides bookkeeping, payroll services, tax preparation, and ongoing advisory support to help business owners maintain accurate records and gain clearer insight into cash flow and financial performance. The firm works closely with clients to improve financial organization while supporting informed decision-making aligned with business goals. “As businesses grow, the margin for error in financial management narrows,” explains founder, Vik Randhawa. “What starts as a manageable task can quickly become overwhelming once multiple reporting and compliance requirements overlap.” Beyond day-to-day accounting, the firm also assists businesses with budgeting, forecasting, and part-time CFO services, helping owners move from reactive financial management toward more deliberate planning. This broader view allows companies to better evaluate profitability, anticipate obligations, and prepare for future growth. The firm notes that tax compliance is an area where complexity often increases first, particularly with payroll taxes, sales and use tax, and changing federal and state requirements. Working with a CPA can help ensure filings are handled accurately while reducing the likelihood of missed deadlines or overlooked deductions. “Accurate financial information gives business owners confidence,” he added. “It allows them to focus on running their company instead of worrying about whether something has been missed.” Based in Newark, California, Vik Randhawa, CPA serves businesses throughout the Bay Area, including Fremont, Union City, Hayward, and Milpitas. The firm works with business owners, executives, and independent professionals, providing dependable accounting and tax services designed to adapt as businesses evolve. Interested parties can find additional information at https://www.vikprocpa.com/

December 30, 2025

Finance & Loan

US Tax Certs Announces $2M Back-End Coverage Upgrade for NonQM Verification Letter Services

US Tax Certs has officially announced an upgrade to its industry-leading NonQM verification services with a $2 million per-file attestation and verification coverage enhancement. This increased protection gives NonQM lenders stronger documentation support, audit-proof compliance, and added safeguards for staff and stakeholders involved in mortgage production and operations related to processing and underwriting. The expanded coverage reflects the strength of the company’s proprietary attestation and business background verification systems, developed specifically for the unique demands of NonQM lending. Lenders now benefit from enhanced protection against repurchase issues and adverse action claims, while gaining the confidence to operate with verifications that exceed the highest compliance standards. Strengthening NonQM Lending with Verified Protection US Tax Certs, a “NonQM lender-friendly” tax firm, specializes in NonQM (Non-Qualified Mortgage) business background verifications for self-employed borrowers. Introduced in 2024, the firm's verification model was built to close gaps left by uncooperative tax firms and outdated processes that continue to create roadblocks for borrowers, brokers, and lenders. Led by industry veteran Danny Flucke, who has held production roles including Carrington, AngelOak, and KindLending, US Tax Certs developed a proprietary system that merges NonQM guidelines with IRS regulations. The result is a streamlined, audit-proof verification process tailored to the NonQM space. Recently, the firm’s verification process received approval for expanded E&O insurance, increasing its former industry leading $1M per file coverage, to an astounding $2 million in per-file adverse-action coverage, making it the standout leader in compliance assurance. Why Traditional Verification Methods Fall Short Many CPAs and tax preparers are unable or unwilling to provide the specific verification letters NonQM lenders require. This causes delays, missed opportunities, and increased fall-out rates for borrowers, brokers, and lenders. US Tax Certs bridges this gap with a licensed, certified, bonded, and insured IRS-compliant approach that produces the industry standard for NonQM verification letters. By combining verified data with documentation aligned to both IRS and mortgage industry standards, US Tax Certs helps NonQM lenders generate and close pipelines more efficiently while eliminating underwriting concerns. Built-In Compliance: Technology-Driven Verification The firm’s technology-driven verification process uses proprietary systems to cross-reference borrower and lender documentation against IRS data and premium business intelligence databases. The validation model verifies up to 30 data points including years self-employed, industry tenure, business start dates, entity status, licensing, expense ratios, business formation types, ownership percentages, and income source consistency. This dual-layer process ensures a high level of accuracy, supporting both underwriting and post-close reviews. Each letter issued meets strict compliance standards and is backed by the newly increased $2 million insurance coverage, offering protection for brokers, loan officers, underwriters, processors, and lenders alike. Recognized as 2025’s Best Self-Employed Verification Letter Provider US Tax Certs was recently named the Best Self-Employed Verification Letter Service in the U.S. by Best of Best Reviews . This award underscores the firm’s leadership in delivering fast, accurate, and insured documentation solutions for self-employed borrowers within the NonQM mortgage space. Here is a link to the award: US Tax Certs: Best Self-Employed Verification Letter Service in the US of 2025 Trusted by Lenders, Brokers, and Borrowers Lenders and brokers across the country have praised the speed, precision, and reliability of US Tax Certs. Brett W., a senior loan officer at one of the nation’s top NonQM firms, shared, “Danny and US Tax Certs are great. They’ve helped many of my clients with CPA letters and income verifications quickly and professionally.” Broker Hector D. commented, “Working with Danny and his team has been the best experience of my career. I will only use them going forward.” Borrower Mike M. noted, “My CPA wouldn't provide the letters needed by the lender. US Tax Certs turned it around fast so we could close on time.” These experiences reflect the firm’s consistent role in saving deals and delivering dependable solutions when other tax firms fall short. A Simplified Process for Production Teams US Tax Certs streamlines the verification process for production teams. Orders can be placed just like an appraisal, with quick turnaround times typically within 48 to 72 hours and same-day rush options available. This ease of ordering eliminates the need to rely on third-party tax preparers and reduces the risk of borrowers being given negative, uneducated advice, or worse, those same borrowers being steered away to a competitor. The result of partnering with USTaxCerts is higher retention, faster closings, and fewer conditions from underwriters. Reducing Risk, Enhancing Protection With licensed, certified, bonded, and insured verification services, US Tax Certs provides lenders with a dependable alternative to informal or uninsured tax letters. The firm’s commitment to compliance and accuracy has earned it a trusted position among top-tier NonQM lenders and brokers nationwide. Its upgraded $2M per-file insurance coverage now gives stakeholders peace of mind and legal protection unmatched in the verification space. This becomes significant as the CFPB is referring mortgage complaints to each of the 50 states individually. Navigating 50 different sets of state lending regulations is made simpler by USTaxCerts, with their nationwide attestation coverage. About US Tax Certs US Tax Certs is a “NonQM lender friendly” tax firm delivering audit-proof NonQM verification services to mortgage lenders, brokers, and self-employed borrowers. Co-founded by Danny Flucke, a veteran of NonQM lending, the company offers a proven, reliable, audit-proof verification process backed by $2 million in adverse-action claim coverage per file. For more information, visit US Tax Certs . Media Contact Danny Flucke Co-Founder, US Tax Certs Email: [email protected] Website: US Tax Certs LinkedIn - Danny Flucke LinkedIn - USTaxCerts USTaxCerts Official Site Reviews - Danny Flucke

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