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Here is a calculator you can use for help:

https://www-users.cse.umn.edu/~white004/personal/plantcalc.html

Hybrid or cultivar names are often named by the hybridizer who may choose family names or a catchy name. Plants that are discovered in the wild are often named for the person who found them.
Here is more info about Latin plant names:
https://www.gardeningknowhow.com/garden-how-to/info/latin-plant-names.htm

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You can determine late fall by your plants. Grass is still green but has stopped growing. Late fall blooming plants include pansies, mums, helenium, and ornamental cabbages and kale. Fall foliage has turned and is dropping. Temperatures have dropped at night and frost may occur.

Early fall would be when the seasons change from summer to fall.

We don't offer business advice, only guidance on growing vegetables and ornamentals. You should have a university nearby that offers agricultural or business startup information.

rlempson, can you possibly please re-post again and include: the name and variety of the plant, age of the plant, sun/shade conditions in spring/summer under which it is planted, the type of soil it has, overall health status of the plant and its leaves, and information about your watering/fertilizing regime. It is common for some plants to drop foliage at this time. Also, some types of plants like hollies for example, have evergreen and deciduous cultivars. Some plants also drop foliage when the leaves have leaf fungal issues (think: roses).