People work so long and hard at building a career and earning money. Yet so many never take the time to get help or learn what to do with the wealth once they have it. Financial Planning is appropriate at nearly every age and income bracket.

We believe that money should be used as a tool to achieve life's other goals of security, purpose and happiness.

	Children - Teaching about money can begin at a very young age with the concepts of saving, sharing, budgeting and prioritizing money decisions.
	Young Adults - starting a Roth IRA, saving for college and a car, learning about investment options and exposure to bill paying will prepare your growing teenager for the responsibilities that lie ahead.
	Newlyweds - Buying a home, career decisions, planning for a family and working together on long term goals are just some of the issues facing young couples.
	Growing Families - College funding, caring for aging parents, saving for retirement and investment diversification are issues facing many families. Some families must also face the financial consequences of divorce, disability or death.
	Elderly - Estate Planning, gifting, long-term care, Medicaid and healthcare require attention in the golden years (especially for those who failed to plan during younger years).

Too many people lose valuable time worrying about their finances when proper planning and an understanding of options would eliminate this stress.

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Our founder, Gregory S. Garritano CPA , began his career as a Tax Examiner with the Internal Revenue Service. This experience has proven to be invaluable when dealing with Federal and State audits and inquiries. We act as your advocate and representative in all tax matters.

The process begins with properly prepared returns using tax saving and deferral techniques that benefit you. Individual circumstances will determine the best plan of action, however; some general strategies might include:

	Shifting income among family members and other legal entities to take advantage of various credits, benefits, rate reductions and deferrals available.
	Moving income and expenses to the year that will result in the greatest tax benefit.
	Deferring or eliminating taxes through certain investment choices and through retirement plan contributions.
	Making sure that you are structuring your income, expenses and reimbursements for your maximum advantage. Many people overlook the legitimate deductibility of expenses already being incurred.
	Better coordination between your business and personal affairs.

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As a member of the Certified QuickBooks Pro Advisor program, we have assisted many clients with their in-house bookkeeping. Clients appreciate the design, development and training they receive for QuickBooks and many other programs and systems.

In addition, we are successful at providing services through our offices that are cost effective and avoid the administrative requirements of hiring employees. These services include:

	Paying bills, maintaining filing systems for records and managing accounts payable.
	Preparing employee payroll checks, required tax deposits and all associated forms.
	Invoicing client customers, making deposits and preparing receivable reports.
	Reconciling bank and credit card account transactions.
	Preparing and providing customized reports.

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Large amounts of money are contributed to the government each year because poor records organization will cause people to forget or be unable to substantiate legitimate deductions. Even with the level of technology available, personal and business records are kept improperly for most people. Determining what to keep and how long to keep it is a common question.

Following are some pointers on this subject:

	Tax Returns are generally subject to audit for three years from the date of filing. Keep all supportive documentation for at least this long.
	Organizing documents into labeled files will save you time when you need to reference them.
	Computerizing financial records will assist in tax preparation, planning and family budgeting.
	Keep records indefinitely for all assets you still own to establish cost, substantiate an insurance claim or qualify for warranties.
	Permanent records such as birth certificates, deeds and appraisals should be kept in a separate, safe and secure location.

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Business problems and their solutions are as varied as the kinds of businesses in existence. There are some issues, however, that every business faces. Whatever your business concerns, we can provide the help you need.

Whether you are starting a business or operating a going concern, we can help you select the proper organizational structure and help you secure adequate financing. We will work with you and your banker, lawyer, insurance agent, and other advisors to solve your business problems.

We can assist you with loan applications, pricing, credit policies, cash flow concerns, cost controls, and other management issues. We will gladly assist you in reviewing your operations to see what you might do to be more profitable.

Give us a call for a no-charge initial conference. You should interview us, as you would any professional, to determine if we will be a good long-term match for you and your business. If we don't have the answer to your problems, we will assist you in locating someone who does. We always welcome your questions.

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Whether you are a business owner or employee, Qualified Retirement Plans offer many opportunities for tax savings and deferral, as well as security for your future.
Below are some examples of how our firm can help you take advantage of these opportunities. 

	Choosing the right Qualified Retirement Plan for your business.
	Maximizing benefits for business owners and employees.
	Supplementing employer sponsored plans with traditional or ROTH IRA's.
	Provide third party administration services for your qualified plan, including filing of form 5500 when necessary.
	Distribution planning in conjunction with your estate plan.

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