Personal Financial Planning

Financial planning takes the guesswork out of managing your finances and helps you understand the implications of each financial decision you make.  Everyone has different goals, so it’s important to have a unique plan that works for you and your financial situation, both now and in the future.  We can help you on your journey to a healthy financial future.

Retirement Planning

Retirement planning requires you to make decisions today that will affect you for the rest of your life.  Unlike other types of financial planning, there are numerous unknowns that need to be considered and modeled accordingly.  Given the inherent complexity and unpredictable nature of retirement planning, it's important that sustainable income is included in your plan.  Merriam-Webster's simple definition of sustainable is "able to last or continue for a long time."

Small Business Accounting

If you are busy running your profitable business and have more important things to do than to keep track of your books, we can take care of that for you!
We will spend time with you so you fully understand how to interpret and utilize the financial information we provide. Consultations are included in our price, so please feel free to call us whenever you have a question or concern.

Bookkeeping & Payroll

What is it about payroll that keeps even the lionhearted up at night?  If your payroll taxes are not submitted in the proper form and at the proper time, you will have the IRS, the state unemployment, and withholding agencies asking for pounds of flesh in the form of penalties and interest.  Indeed, some of the stiffest penalties levied by the IRS are in the payroll tax area.  
Studies show that small business owners spend an average of eight hours a month performing payroll functions – that’s a full day a month that you could be spending growing your business or spending time with your family.
We offer payroll solutions that meet your business's needs and enable you to spend time doing what you do best—running your company.

Part-time CFO

If your business is growing and has reached a point where you need professional financial advice from time to time, but aren’t ready for a full-time CFO or controller, we can fill that role.  From showing you how to interpret your financial data, setting meaningful financial goals and measurement tools, to providing help with tax and regulatory procedures, we are able to provide ongoing help that will give you peace of mind knowing that a professional is overseeing the financial side of your business.

Business Advisor

Businesses spend millions of dollars each year for business advisors who can be generalists, or specialists who concentrate on just certain areas of a business.  While small businesses may not be able to afford advisory services that large companies spend, they need help all the same. Bringing in advisors for special projects and/or retaining advisors to be on call can add significant overhead to a business; our fixed price agreement for small businesses provide the help you need, when you need it to assist with many areas of your business.  
From leasing/purchasing a company use automobile, to expanding lines of business, to hiring employees vs hiring contractors, you can get the help you need with your trusted business advisor who can guide you through the regulatory and practical caveats that face most small business persons.

Strategic Business Planning

Many think that a business plan is only necessary for new businesses, or those venturing into new uncharted business areas.  While those are excellent candidates for strategic business planning, business at all levels of experience can benefit from strategic planning.  Do you measure your results against the past?  Do you measure your business against your competitors? Do you ask your customers how satisfied they are with the goods and services you provide? How are you going to face the uncertainties of the future?  Are your employees helping you achieve your goals and objectives, or are they just along for the ride?  We can help you with the blueprint you need for your business that can help you take your business to the next level.

Succession Planning

Many times the first thing I ask a new client is “…what is your exit plan?”  Whether it’s wondering what will happen to your business when you’re no longer able to run it, to looking toward retirement or handing off the business to children; just waiting for the future to happen doesn’t cut it. In some cases, we work with our clients using systematic processes for identifying and developing internal people with the potential to fill key business leadership positions in the company.  Other times we structure a business for sale—well before the company presented to qualified buyers. Whether the business owner is 30 or 70, we want to work with that business owner to help achieve long term goals, and be on guard against unforeseen risks or be ready for once in a lifetime opportunities that require immediate attention.

New Business Formation

It’s been over 20 years since Michael Gerber wrote “The E Myth Revisited,” but its truths are still timeless.  Starting a business is scary, thrilling, frustrating, fulfilling, time consuming, and can induce every imaginable emotion.  We have built our practice around small business, and can help answer the ins and outs including: What form of business, corporation, sole proprietorship, or partnership am I building?  What are the rules and regulations I need to know?  Where do I find resources I need, including capital to build my business?  We have helped small businesses form and grow for over 20 years, and would like to help you build your dream.

Internal Controls

Are you interested in reducing risk in your business?  Are you interested in making your business more efficient without spending more money? Internal controls are like the chassis of a car that keep the wheels on the ground, and help the driver know they are going in the right direction. We have seen lack of internal controls keep companies from going to the next level, and we are poised to help you do more with the resources you have.

Tax Preparation

The GAO (Government Accountability Office – “congressional watchdog”) reported that most taxpayers believe they benefited from using professional tax advice, and the GAO reports that more than 60% of taxpayers utilize paid preparers.  The other side of that coin is that the GAO reported that the IRS began implementing paid preparer requirements in 2010 that have shown to decrease error in tax preparation. At the pinnacle of experience and training are Certified Public Accountants who provide top notch help in understanding the ever-changing and complicated tax laws promulgated by Congress.  Tax mistakes are costly, whether it is leaving off income sources that cost extra tax, interest and penalties, or missing legitimate deductions and credits that can reduce tax liabilities.  We will give you peace of mind, and streamline the process whether this is tax filings for your small business, your individual return or estate/gift tax returns.

Tax Planning

What kind of tax planning can you do?  Are there ways to legally, morally and ethically reduce your tax liabilities?  Judge Learned Hand famously said in 1934, “Anyone may arrange his affairs so that his taxes shall be as low as possible; he is not bound to choose that pattern which best pays the treasury.” While there are a few things that can be done after the tax year is over, it’s important to get together with us during the year to talk about how you can structure your affairs so as to pay the least amount of tax.

Tax Problems

What do you do with the letter from the IRS?  Do you throw it in a box and ignore it; do you immediately get out the checkbook and write the government a check; do you ask your plumber, hair stylist, neighbor, etc. what to do?  We stand by our work, and in the rare event that you are audited, we are there to represent you.  A person who represents themselves before the IRS can easily watch a simple audit turn into the Spanish Inquisition – a very expensive proposition! While we can’t promise to make all tax problems go away, we can give you peace of mind when dealing with the tax authorities.

QuickBooks Setup

As a Certified ProAdvisor, we help our clients get the most out of their QuickBooks software. Save valuable time by allowing us to set up your business for you in this essential accounting software.

QuickBooks Training

After the setup, we can work with you to provide personalized training to you and your employees ensuring that QuickBooks is set to your business needs.

QuickBooks Tune-up

If you run into problems with QuickBooks or you need some troubleshooting to fix your books, we will work with you to get your system cleaned up!