October’s newsletter is packed with big updates and even bigger reasons to celebrate. From major tax changes in the One Big Beautiful Bill Act to new deductions your team (and your bottom line) need to know, we’ve broken down what matters most heading into 2025. We’re also celebrating Christi’s 19-year milestone, Kristine’s 6-year anniversary, and Leslie’s October birthday — three teammates who make our firm stronger every day. You won’t want to miss a single article. Let’s dive in.

Office Celebrations

Please join us in congratulating two incredible team members on their work anniversaries!


🌟 Christi celebrated 19 years with the firm this September. Her dedication, leadership, and deep expertise continue to shape our team's success every day. Thank you, Christi, for nearly two decades of outstanding service!


🌟 Kristine marked 6 years with us in September. Her commitment to excellence and positive energy are felt across everything she does. We're grateful for the talent and heart she brings to the team.lations to Christi and Kristine on these amazing milestones!

Happy Birthday, Leslie!


Leslie's enthusiasm, creativity, and commitment to our clients make her an essential part of the team. We hope your day was filled with joy, laughter, and plenty of cake.


Wishing you a fantastic year ahead!



Click here to wish Leslie a Happy Birthday on Facebook.

Team Day Out: Kristine Visits, Clients Impress, and Crown Candy Delivers

In October, we had the pleasure of welcoming Kristine back to town for a company outing and we made the most of it. With the full team together, we set out for a day filled with client visits, local flavor, and a few friendly rounds of putt-putt golf.



First, Kristine, Christi, Leslie, and Charles toured Eagle Marine Fabrication, a family-owned business with a century of craftsmanship behind it. Seeing their process of building barges by hand was both impressive and inspiring — a true testament to generational expertise and pride in work.

Next up was Speedway Salvage, one of the largest salvage yards in the St. Louis Metro East. We got an inside look at how vehicles are dismantled, and how usable parts are sorted and sold across multiple channels. It was a fascinating deep dive into a complex and highly efficient operation.

After our client visits, we crossed the river for lunch at Crown Candy in St. Louis — one of Charles’ all-time favorite spots. Between the sandwiches and the legendary malts, it did not disappoint.

To wrap up the day, the team hit the mini-golf course at Puttshack for a round of lighthearted competition and laughter. It’s always a treat to have everyone together, away from the office, enjoying the camaraderie that makes our team so strong.



We’re grateful for the time together and for the incredible businesses we get to serve. Here’s to more great moments, both in and out of the office.


Christi was our

mini-golf Winner!

How One Big Beautiful Bill will Change Your 2025 Taxes and Financial Landscape


Place article copy here. Be sure to make the articles short and concise as people tend not to read much more than a couple of paragraphs. Place article copy here. Read More

No Tax on Tips


The new deduction under the One Big Beautiful Bill Act (OBBBA) for qualified tips puts money back in their pockets and creates new payroll and reporting duties for you. Click to discover how it works, who qualifies, and what your business needs to do to stay compliant and support your team. After reading, you’ll be fully equipped to answer your employees’ questions and guide them through this valuable new benefit.


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The Overtime Credit


Employers, are your team members asking about the new overtime tax break under the One Big Beautiful Bill Act (OBBBA)? This latest deduction could bring valuable savings, but only if you understand who qualifies and how to claim it correctly. Click to get the full breakdown on eligibility, income thresholds, and how your business can support employees while staying compliant.


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100% Bonus Depreciation is Back


Get ready, this tax update could dramatically change your business planning. The new provisions reinstating 100% bonus depreciation and introducing the full‑expensing of “qualified production property” offer powerful ways to accelerate deductions and free up cash‑flow. Click to discover exactly what’s changed, how it affects your capital purchases, and what you should do now to take full advantage.

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Retired and Overpaying Taxes


Looking to retire in peace without overspending on taxes? This article shows you simple strategies to keep more of your hard‑earned money, even when you think you’re fully set. Dive in to uncover the smart moves that’ll help you enjoy your golden years — tax‑smart.


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What Seniors Need to Know about OBBB



Ready to unlock some important tax updates? New provisions in the “One Big Beautiful Bill” are set to impact seniors and knowing them now could save you headaches (and maybe money) later. Dive in to see exactly what changes are coming, why they matter, and how you can stay ahead of the curve.


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Video - No Tax on Overtime

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Tzinberg & Associates, P.C.

1 Country Club Executive Park Glen Carbon, IL 62034

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