4th Quarter Financial Planning-Keeping up good relations with your Bond Company: CARES ACT Update…Act Now For numerous contractors 2020 has been a year like no other…a vast understatement to say the least. As we are now entering the 4thQ of 2020 part of your financial planning process with your CPA should include a discussion about how to treat PPP monies in your financial statement for those who have received these loans. There is a path to partial or full forgiveness of these loans that your CPA and Banker can guide you through. The benefit of having these loans forgiven is.