Products & Services

We provide assistance in the following areas:

Investments

• Bonds*
• Common Stock*
• Educational IRA
• Traditional IRA
• Roth IRA
• SEP IRA
• Simple IRA
• Brokerage Accounts*
• Certificates of Deposits*
• Government Securities*
• Treasury Notes*
• Variable Annuities*
• Fixed Annuities
• Index Annuities*

* Securities offered through Cambridge Investment Research

Financial Planning

 8 Wealth Management Issues

        Each of these issues have a tax consequence. Working with us will help you     understand the consequences and plan accordingly.

Investment Management

Let us help you understand and manage three risks you face as an investor:

• Improper allocation (not having money invested in the right pieces of the pie)
• Regular rebalancing to ensure proper allocation
• Over concentration (owning too much of the same thing)

Family Risk Management

Insurance planning. Regular reviews of your current coverage helps identify gaps or new risk.

Cash Flow & Debt Management

We can help you formulate a reasonable plan to reduce debt and manage cash flow to help reach your financial and life goals.

Retirement Planning

The best chance of building and protecting your financial future comes from defining your vision and expectations of retirement. We develop a  proper plan to turn your goal into reality.

Education Planning

We can recommend various options to help fund education for your children, grandchildren, other family members or even yourself.

Business Planning

Our menu of business services includes: financial statements, payroll, review and implementation of budget cash flow, hiring compensations, introductions to local resources (bankers, attorneys, property and liability insurance providers, realtors), even negotiation of work contracts. The main goal of business planning is to help you maximize benefits and minimize liabilities.  

Legacy Planning

Be sure to have current estate documents in place, including a will, a health care directive and a durable power of attorney. We can work with you through this.

Special Planning

The right financial plan lets you face any financial challenge with confidence. Caring for an ill parent, paying unexpected medical expenses, remodeling your home or purchasing a new car.  We help you plan for life's unplanned events.

Tax Planning & Accounting  

General Services

We are here to provide you with financial information in a timely and accurate manner. Meaningful, well-organized financial records ensure that you have important information to make decisions for your business.

• General ledger and financial statement preparation
• Bookkeeping (Monthly/Quarterly/Annually)
• Accounting system setup for new businesses
• Business tax return preparation
• Individual tax return preparation

Payroll

We assist you in implementing the controls necessary to ensure a reliable, efficient, and effective payroll system. We prepare all necessary payroll checks, payroll tax reporting and returns in a timely manner.

Tax Planning and Preparation

Tax planning and preparation allows our team to maximize your success individually and as a business owner. Our experienced staff will develop tax strategies that take advantage of new tax laws and legislation.

IRS Representation

During our years of experience we have achieved a level of competence that can ensure clients they are being properly represented before the various tax agencies.

Estate Planning and Estate & Trust Tax Preparation

Effective estate planning facilitates the orderly transfer of assets to your beneficiaries, provides security for your surviving spouse, and can reduce or eliminate the tax due on the transfer of your business and other assets.

Asset allocation does not assure or guarantee better performance and cannot eliminate the risk of investment losses.

Tax services are provided independently of Cambridge Investment Research. Fixed insurance offered through ENJ Financial.