What the Big Beautiful Bill Means for Business Owners

What the Big Beautiful Bill Means for Business Owners: A Financial Advisor’s Take

By Mathew Colemer, Private Wealth Advisor

At StrongBridge Wealth Advisors many of our clients are small business owners. Owning a business can be risky but is one of the most powerful approaches to wealth creation. The newly passed Big Beautiful Bill is being recognized as a landmark piece of business focused legislation. Aimed at tax reform, growth incentives, and regulatory updates, this sweeping bill has serious implications for small and medium-sized businesses. Here’s are a few components business owners need to know—and how to prepare.

1. Tax Incentives to Fuel Growth and Hiring

The bill expands tax credits for hiring and workforce training—especially in underserved areas. Some industries may qualify for up to 150% of training expenses.

Work Opportunity Tax Credit | Internal Revenue Service

Other major tax provisions:

• 100% Bonus Depreciation for qualifying assets (effective after Jan 19, 2025)
• Immediate Expensing of Domestic R&D
• Section 179 Expensing cap raised to $2.5 million (with a $4 million phase-out)
• Permanent QBI Deduction: The 20% deduction for pass-through entities is here to stay.
• Elimination of Certain Deductions: Investment management and tax prep fees are no longer deductible.

What to do: Now might be a strong time to invest in your business. We recommend our clients work with their CPA to ensure you meet the criteria and maintain proper documentation.

2. Green Business Incentives

The bill rewards eco-conscious companies with grants and tax deductions for green initiatives—such as energy-efficient upgrades or sustainable supply chain improvements.

What to do: Making your operations greener may deliver both environmental and financial returns.

3. Investment Opportunities: Expanded QSBS Benefits

The bill expands Qualified Small Business Stock (QSBS) benefits:

• 50% capital gains exclusion after 3 years
• 75% after 4 years, and 100% after 5 years
• Gain exclusion cap increased to $15 million
• Gross asset limit raised to $75 million

Implication: Strong incentives for startup investors, founders, and high-growth businesses. This may present a great opportunity for our clients thinking about selling their businesses.

Final Thoughts: Prepare Now

This legislation signals a clear policy direction—support for sustainable, innovative, and equitable business growth. Those who act early will be best positioned to benefit.

At StrongBridge Wealth Advisors we here to help you:

• Identify key opportunities and risks
• Develop or adjust your strategy
• Make confident, data-driven decisions

Let’s talk soon. Big changes are here—and so is your opportunity to thrive.