Services

If you’re looking for a firm that will focus on your individual needs, and always treat you like a client who matters, look no further. Our firm is large enough to offer a full range of professional services, but small enough to give you the individual attention that you deserve.

We meet regularly with representatives in the tax, financial planning, and employee benefits industry to update our knowledge and expertise in the areas of:

• Tax Preparation & Planning
  
• Personal Financial Planning Services
  
• Corporate Planning Services
  
• Business Entity Selection
  
• Estate & Trust Tax Preparation
  
• Retirement Planning

Effective tax preparation and planning can help you to minimize your future tax liability. We can help you proactively manage both your personal and your business tax issues, including understanding how upcoming business opportunities impact your tax status and vice versa. Not all tax planning opportunities are readily apparent. By having us on your team, you are more likely to benefit from those opportunities. We understand how the latest federal, state and local tax legislation and other developments affect you and your business and we are constantly identifying new ways to reduce federal, state or local tax liabilities.

Our services cover all areas of financial management, from investment and retirement planning, to insurance risk management and estate conservation. We specialize in helping our clients develop a comprehensive, cohesive financial plan that fits their unique needs and enables them to meet both short and long-term objectives.

Many people, believe that their financial well-being is linked solely to their ability to earn a high income. True financial independence, however, has much more to do with understanding and taking advantage of the finances you have. It’s more about setting financial goals and learning to use financial strategies that will help you meet your objectives.

The process involves the following steps:

1. Gathering information and analyzing your financial situation to develop a clear picture of your specific needs, and to identify your financial goals;
   
2. Determining if you are on track to meet those goals;
   
3. Accessing how much risk you may need to take, and are comfortable with, to achieve your goals;
   
4. Designing a financial plan that utilizes asset allocation strategies and takes into consideration your risk tolerance; and
   
5. Monitoring your progress and periodically reviewing your plan, consulting with you to make appropriate adjustments, and assisting you in keeping your plan on track.

A wide array of services are provided to small business owners, pension plans, non-profit organizations, and corporations. Offering a comprehensive employee benefits package on a cost effective basis is crucial in recruiting and retaining qualified employees, without being a financial burden to the organization.

Pension Plan Reviews and Evaluations- To maximize the effectiveness of an existing retirement program, each aspect of the plan must meet expectations and contribute to the smooth operation of the plan. A comprehensive plan review includes the thorough evaluation of the following aspects: investment selection and monitoring, fund performance and flexibility, plan fees and expenses, ease of administration, ERISA compliance, minimizing fiduciary liability, and employee education.

New Plan Design and Installation- Our associates work closely with business owners and corporate executives in designing pension plans that are customized to meet their needs. Plans include Profit Sharing, “Safe Harbor”, New Compatibility and Standard 401(k)s, Defined Benefit Plans, ESOP, SEP and Simple Plans.

Employee Benefit Programs– New plans can be designed and existing programs are evaluated for their adequacy and cost effectiveness in the area of health, dental, life and disability insurance.

The business entity—LLP, LLC, sole proprietorship, partnership, corporation, etc.— that you select for your business has enormous financial and tax implications. It is important that you make the right decision. We can explain each choice and its implications. As your business grows and changes, the type of business entity you choose may need to change also.

Estate matters affect everyone. By taking proactive steps today, you can ease the way for your heirs during a very difficult time. We can work with your legal counsel to help you to structure your estate and trusts to minimize taxes and ensure the smooth transition to your heirs. We are available to assist your advisors in all estate and trust tax-related matters.

Retirement planning is critical in these uncertain times. Whether you are developing a retirement plan for yourself or choosing a retirement plan to offer to your employees, we can help you evaluate the available options. Our focus is on helping you to make the choice that is most appropriate for your own financial situation. If you are choosing a retirement plan for your business, we will base our recommendations on the unique characteristics of your business and your employee population, as well as the legal and compliance issues related to each type of plan.