BUSINESS MODELS
Inflation & Tariff-Aware Pricing for Small Operators in 2026
With 2026 tariffs adding 5–25% to COGS for physical and imported-component businesses, small operators who don't reprice strategically will see margins collapse…
Rafael Negreiros
Founder-operator with firsthand experience navigating multi-state tax planning for a distributed business. Rafael has worked across enterprise tech, retail, and media, building systems that optimize operational costs including state tax exposure. He covers founder finance, capital allocation, and the structural decisions that move the needle on seven-figure outcomes. Content reviewed against FTB Publication 1031 and Tax Foundation state profiles, June 2026.
FOUNDER FINANCE
QSEHRA 2026: The Micro-Business Health Benefit for Founders With 1-4 Employees
How founders with 1–4 W-2 employees can use a QSEHRA in 2026 to offer tax-free health reimbursements up to the IRS limits…
BUSINESS MODELS
Best Recession-Resilient Business Models to Start in 2026
Six business archetypes — B2B services, niche SaaS, info products, physical goods, staffing, and maintenance/repair — scored against four recession-resilience criteria to…
FOUNDER FINANCE
ICHRA for a One-Person S-Corp: Can You Actually Reimburse Your Own Premiums?
A solo S-corp owner's definitive guide to ICHRA one person S-corp owner eligibility: why IRC 1372 blocks you from your own ICHRA,…
FOUNDER FINANCE
Your Founder Benefits Package: Replacing the Corporate Safety Net Without a 9-to-5
Build your complete founder benefits package 2026 with real cost numbers: ACA health insurance, HSA, Solo 401k, disability insurance, term life, and…
ECONOMICS
Location and State-Tax Arbitrage for Founders: Is Moving Really Worth $260K?
Nine states have no income tax in 2026. For a California founder earning $2M+, relocating saves up to $260K annually — but…
FOUNDER FINANCE
QSBS 1202 After OBBBA: The $15M Gain Exclusion Playbook for C-Corp Founders in 2026
The OBBBA raised the QSBS Section 1202 exclusion cap to $15M and introduced tiered holding periods — here is how C-corp founders…
FOUNDER FINANCE
90-Day Post-Layoff Financial Plan for First-Time Founders (2026)
The first 90 days after a layoff are your highest-leverage window to lock in founder runway — a week-by-week financial triage from…
FOUNDER FINANCE
The Above-the-Line Health Insurance Deduction Every S-Corp Founder Misses (2026)
S-corp founders paying health insurance premiums can deduct 100% above the line under IRC §162(l) — but only if the W-2 Box…
FOUNDER FINANCE
QBI 199A Phase-Out Math for Founders: How to Keep Your 20% Deduction Above $200K
The 2026 QBI deduction phases out starting at $201,750 (single) or $403,500 (MFJ) — here's how pass-through founders use aggregation elections, W-2…
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