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		<title>Schwartz &amp; Schwartz PC</title>
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			<title>Contact Us</title>
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			<title>Why Expiring Leases are a Golden Opportunity for Medical and Dental Practices</title>
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			<title>If your Child has Opted to Study Abroad, 529 Plan Distributions May Still Qualify to be Used for Foreign Educational Expenses</title>
			<pubDate><![CDATA[Thu, 02 Oct 2025 17:56:57 +0000]]></pubDate>
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			<title>A Quick Review of Education and Tax Planning for the Upcoming Academic Year</title>
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			<link><![CDATA[https://schwartzaccountants.com/2025/10/life-changing-events-are-the-perfect-time-to-review-and-update-your-financial-game-plan/]]></link>
			<title>Life-Changing Events are the Perfect Time to Review and Update your Financial Game Plan</title>
			<pubDate><![CDATA[Thu, 02 Oct 2025 17:54:17 +0000]]></pubDate>
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			<title>Meet Our Whole Team</title>
			<pubDate><![CDATA[Wed, 17 Sep 2025 14:04:07 +0000]]></pubDate>
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			<link><![CDATA[https://schwartzaccountants.com/2025/09/is-your-dental-office-missing-calls-ai-receptionist-vs-offshore-va-whats-a-smarter-move/]]></link>
			<title>Is Your Dental Office Missing Calls? AI Receptionist VS Offshore VA &#8211; What&#8217;s a Smarter Move?</title>
			<pubDate><![CDATA[Wed, 17 Sep 2025 13:26:45 +0000]]></pubDate>
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			<link><![CDATA[https://schwartzaccountants.com/2025/09/a-new-tax-planning-opportunity-for-taxpayers-aged-60-63-kicked-in-january-1st-2025/]]></link>
			<title>A New Tax Planning Opportunity for Taxpayers Aged 60-63 Kicked in January 1st 2025</title>
			<pubDate><![CDATA[Wed, 17 Sep 2025 13:24:31 +0000]]></pubDate>
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			<title>Does Your Practice Have a Doctor-Focused Retirement Plan?</title>
			<pubDate><![CDATA[Wed, 17 Sep 2025 13:23:25 +0000]]></pubDate>
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			<pubDate><![CDATA[Thu, 28 Aug 2025 18:50:58 +0000]]></pubDate>
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			<title>HOW DOES THE IRS VIEW A &#8220;SIDE JOB&#8221;? AS A BUSINESS OR AS A HOBBY?</title>
			<pubDate><![CDATA[Thu, 28 Aug 2025 18:47:37 +0000]]></pubDate>
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			<title>AVOID AN IRS UNDERPAYMENT OF ESTIMATED TAX PENALTY BY MEETING THE IRS &#8220;SAFE HARBOR&#8221; RULE.</title>
			<pubDate><![CDATA[Thu, 28 Aug 2025 18:46:34 +0000]]></pubDate>
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			<link><![CDATA[https://schwartzaccountants.com/2025/08/the-estimated-tax-payment-for-q3-2025-is-coming-up-september-15-2025/]]></link>
			<title>THE ESTIMATED TAX PAYMENT FOR Q3 2025 IS COMING UP &#8211; SEPTEMBER 15, 2025</title>
			<pubDate><![CDATA[Thu, 28 Aug 2025 18:45:01 +0000]]></pubDate>
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			<title>Affiliations and Memberships</title>
			<pubDate><![CDATA[Wed, 06 Aug 2025 21:38:40 +0000]]></pubDate>
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			<title>Careers</title>
			<pubDate><![CDATA[Wed, 06 Aug 2025 21:36:16 +0000]]></pubDate>
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			<title>Managing Partners</title>
			<pubDate><![CDATA[Wed, 06 Aug 2025 21:32:36 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://schwartzaccountants.com/2025/08/why-expiring-leases-are-a-golden-opportunity-for-dental-practices/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/08/why-expiring-leases-are-a-golden-opportunity-for-dental-practices/]]></link>
			<title>WHY EXPIRING LEASES ARE A GOLDEN OPPORTUNITY FOR DENTAL PRACTICES</title>
			<pubDate><![CDATA[Wed, 06 Aug 2025 13:09:15 +0000]]></pubDate>
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			<guid><![CDATA[https://schwartzaccountants.com/2025/08/new-rules-permanently-extend-the-tax-free-employee-benefit-for-practice-owners-to-pay-up-to-5250-toward-staffs-student-loans/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/08/new-rules-permanently-extend-the-tax-free-employee-benefit-for-practice-owners-to-pay-up-to-5250-toward-staffs-student-loans/]]></link>
			<title>NEW RULES PERMANENTLY EXTEND THE TAX-FREE EMPLOYEE BENEFIT FOR PRACTICE OWNERS TO PAY UP TO $5,250 TOWARD STAFF’S STUDENT LOANS</title>
			<pubDate><![CDATA[Wed, 06 Aug 2025 13:07:57 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://schwartzaccountants.com/2025/08/are-you-on-track-to-max-out-your-2025-retirement-plan-salary-deferrals/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/08/are-you-on-track-to-max-out-your-2025-retirement-plan-salary-deferrals/]]></link>
			<title>ARE YOU ON TRACK TO MAX OUT YOUR 2025 RETIREMENT PLAN SALARY DEFERRALS?</title>
			<pubDate><![CDATA[Wed, 06 Aug 2025 13:07:10 +0000]]></pubDate>
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			<guid><![CDATA[https://schwartzaccountants.com/2025/08/tax-changes-recently-enacted-into-law-affecting-practice-owners/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/08/tax-changes-recently-enacted-into-law-affecting-practice-owners/]]></link>
			<title>TAX CHANGES RECENTLY ENACTED INTO LAW AFFECTING PRACTICE OWNERS</title>
			<pubDate><![CDATA[Wed, 06 Aug 2025 12:56:46 +0000]]></pubDate>
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			<title>Home Page</title>
			<pubDate><![CDATA[Mon, 04 Aug 2025 19:42:54 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://schwartzaccountants.com/2025/07/avoid-huge-penalties-by-filing-your-form-5500-for-your-401k-profit-sharing-plan-by-7-31-25/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/07/avoid-huge-penalties-by-filing-your-form-5500-for-your-401k-profit-sharing-plan-by-7-31-25/]]></link>
			<title>Avoid Huge Penalties by Filing Your Form 5500 for Your 401(k)/Profit Sharing Plan by 7/31/25</title>
			<pubDate><![CDATA[Mon, 04 Aug 2025 17:56:20 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://schwartzaccountants.com/2025/07/what-is-an-83b-election/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/07/what-is-an-83b-election/]]></link>
			<title>What is an 83(B) Election?</title>
			<pubDate><![CDATA[Mon, 04 Aug 2025 17:54:49 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://schwartzaccountants.com/2025/07/irs-explores-summer-activities-that-could-impact-your-taxes/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/07/irs-explores-summer-activities-that-could-impact-your-taxes/]]></link>
			<title>IRS Explores Summer Activities That Could Impact Your Taxes</title>
			<pubDate><![CDATA[Mon, 04 Aug 2025 17:54:13 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://schwartzaccountants.com/2025/07/is-ai-truly-a-game-changer-for-dentistry/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/07/is-ai-truly-a-game-changer-for-dentistry/]]></link>
			<title>Is AI Truly a Game-Changer for Dentistry?</title>
			<pubDate><![CDATA[Mon, 04 Aug 2025 17:52:23 +0000]]></pubDate>
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			<guid><![CDATA[https://schwartzaccountants.com/2025/07/president-trump-signs-into-law-the-one-big-beautiful-bill-act-obba/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/07/president-trump-signs-into-law-the-one-big-beautiful-bill-act-obba/]]></link>
			<title>President Trump Signs Into Law the One Big Beautiful Bill Act (OBBA)</title>
			<pubDate><![CDATA[Mon, 04 Aug 2025 17:51:44 +0000]]></pubDate>
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			<link><![CDATA[https://schwartzaccountants.com/2025/07/self-employed-health-insurance/]]></link>
			<title>Self-Employed Health Insurance</title>
			<pubDate><![CDATA[Mon, 04 Aug 2025 17:48:17 +0000]]></pubDate>
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			<link><![CDATA[https://schwartzaccountants.com/client-resources/]]></link>
			<title>Client Resources</title>
			<pubDate><![CDATA[Mon, 04 Aug 2025 05:31:02 +0000]]></pubDate>
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			<link><![CDATA[https://schwartzaccountants.com/services/]]></link>
			<title>Services</title>
			<pubDate><![CDATA[Mon, 04 Aug 2025 04:58:07 +0000]]></pubDate>
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			<guid><![CDATA[https://schwartzaccountants.com/about/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/about/]]></link>
			<title>About Us</title>
			<pubDate><![CDATA[Mon, 04 Aug 2025 04:44:58 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://schwartzaccountants.com/2019-midyear-newsletter/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2019-midyear-newsletter/]]></link>
			<title>2019 Mid-Year Newsletter</title>
			<pubDate><![CDATA[Fri, 01 Aug 2025 19:50:53 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://schwartzaccountants.com/2025/07/payroll-faqs-with-ss-payroll-manager-greta/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/07/payroll-faqs-with-ss-payroll-manager-greta/]]></link>
			<title>PAYROLL FAQ&#8217;s WITH S&#038;S PAYROLL MANAGER GRETA</title>
			<pubDate><![CDATA[Tue, 08 Jul 2025 14:03:08 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://schwartzaccountants.com/2025/06/my-child-graduated-college-this-year-can-i-still-claim-him-her-as-a-dependent-on-my-2025-tax-return/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/06/my-child-graduated-college-this-year-can-i-still-claim-him-her-as-a-dependent-on-my-2025-tax-return/]]></link>
			<title>MY CHILD GRADUATED COLLEGE THIS YEAR &#8211; CAN I STILL CLAIM HIM/HER AS A DEPENDENT ON MY 2025 TAX RETURN?</title>
			<pubDate><![CDATA[Tue, 24 Jun 2025 18:02:44 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://schwartzaccountants.com/2025/06/business-owners-should-consider-hiring-their-kids-this-summer-2/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/06/business-owners-should-consider-hiring-their-kids-this-summer-2/]]></link>
			<title>BUSINESS OWNERS SHOULD CONSIDER HIRING THEIR KIDS THIS SUMMER</title>
			<pubDate><![CDATA[Tue, 24 Jun 2025 18:01:33 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://schwartzaccountants.com/2025/06/take-advantage-of-funding-a-roth-ira-at-a-young-age/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/06/take-advantage-of-funding-a-roth-ira-at-a-young-age/]]></link>
			<title>TAKE ADVANTAGE OF FUNDING A ROTH IRA AT A YOUNG AGE</title>
			<pubDate><![CDATA[Tue, 24 Jun 2025 18:00:03 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://schwartzaccountants.com/2025/06/is-your-child-being-paid-as-an-independent-contractor/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/06/is-your-child-being-paid-as-an-independent-contractor/]]></link>
			<title>IS YOUR CHILD BEING PAID AS AN INDEPENDENT CONTRACTOR?</title>
			<pubDate><![CDATA[Tue, 24 Jun 2025 17:53:37 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://schwartzaccountants.com/2025/06/completing-form-w-4-for-a-recent-college-grads-first-job/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/06/completing-form-w-4-for-a-recent-college-grads-first-job/]]></link>
			<title>COMPLETING FORM W-4 FOR A RECENT COLLEGE GRAD&#8217;S FIRST JOB</title>
			<pubDate><![CDATA[Tue, 24 Jun 2025 17:52:44 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://schwartzaccountants.com/2025/06/completing-form-w-4-for-summer-jobs/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/06/completing-form-w-4-for-summer-jobs/]]></link>
			<title>COMPLETING FORM W-4 FOR SUMMER JOBS</title>
			<pubDate><![CDATA[Tue, 24 Jun 2025 17:51:31 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://schwartzaccountants.com/2025/06/healthcare-meets-wealthcare-integrating-medicare-into-your-financial-plan/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/06/healthcare-meets-wealthcare-integrating-medicare-into-your-financial-plan/]]></link>
			<title>Healthcare Meets Wealthcare: Integrating Medicare into Your Financial Plan</title>
			<pubDate><![CDATA[Tue, 03 Jun 2025 18:57:24 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://schwartzaccountants.com/2025/06/i-bond-interest-rates-bumped-up-to-3-98-effective-5-1-25/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/06/i-bond-interest-rates-bumped-up-to-3-98-effective-5-1-25/]]></link>
			<title>I-BOND INTEREST RATES BUMPED UP TO 3.98% EFFECTIVE 5/1/25:</title>
			<pubDate><![CDATA[Tue, 03 Jun 2025 18:56:39 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://schwartzaccountants.com/2025/06/2nd-quarter-estimates-due-6-16-2025/]]></guid>
			<link><![CDATA[https://schwartzaccountants.com/2025/06/2nd-quarter-estimates-due-6-16-2025/]]></link>
			<title>2nd QUARTER ESTIMATES  DUE 6/16/2025</title>
			<pubDate><![CDATA[Tue, 03 Jun 2025 18:55:50 +0000]]></pubDate>
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					<item>
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			<link><![CDATA[https://schwartzaccountants.com/2025/06/the-new-massachusetts-biz-m-power-grant/]]></link>
			<title>THE NEW MASSACHUSETTS BIZ-M-POWER GRANT</title>
			<pubDate><![CDATA[Tue, 03 Jun 2025 18:54:57 +0000]]></pubDate>
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					<item>
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			<link><![CDATA[https://schwartzaccountants.com/client-resources/payyourinvoice/]]></link>
			<title>Pay your invoice</title>
			<pubDate><![CDATA[Tue, 20 May 2025 16:12:11 +0000]]></pubDate>
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