Planning Your 2026 Financial Goals: How To Build an Accounting-Backed Growth Plan

As you wrap up 2025, December is the perfect time to look ahead. Not just at taxes — but at growth. A strong 2026 plan starts with understanding where you are today and where you want to go.

Here’s how to build a financial plan that actually supports your goals.

1. Review Your 2025 Numbers

Pull a full-year report and ask:

• What was my total revenue?

• What were my biggest expenses?

• What product/service made me the most money?

• What months were strongest?

• Did I hit my goals?

Your numbers tell a story — use them.

2. Forecast 2026 Revenue

Don’t guess. Look at:

• Historical trends

• New offers or price changes

• Seasonal cycles

• Expected client growth

Even a simple forecast keeps you grounded.

3. Build a Monthly Budget

Plan for consistent categories:

• Marketing

• Payroll/contractors

• Supplies

• Software

• Taxes

• Savings

Think of your budget as your roadmap.

4. Set Specific Financial Goals

Examples:

• Increase revenue by 10%

• Save $X for expansion

• Launch a new service

• Bring on your first (or next) contractor

• Prepare for large 2026 expenses

If it matters, write it down.

5. Put Tax Planning Into the Mix

Your tax strategy should be part of growth planning—not separate from it. Smart planning helps you keep more of what you earn and avoid surprises.

6. Get Professional Support

A financial plan created with accurate accounting gives you clarity and direction. We help business owners create realistic forecasts, understand cash flow, and make smarter decisions.

Ready to start 2026 with a plan?

ARC Business Advisors can help you build a customized financial strategy for the year ahead.