Financial Planning
Critical financial challenges call for solutions that are, at once, sophisticated and practical. With a vision to be southern New Jersey’s preeminent and most trusted financial services firm, Capaldi Reynolds & Pelosi, P.A. and CRA Financial Services, L.L.C. together bring unique levels of experience to the full range of personal and business financial planning. We are committed to providing value-added, wealth-enhancing services to our clients in a cost-effective manner that remains consistent with our philosophy that putting our clients’ best interest first is our first priority.
Our main focus is on six areas of expertise:
INVESTMENT PLANNING
Developing and managing your portfolio through asset allocation and securities diversification.
EDUCATION PLANNING
Estimating potential future education costs, exploring alternatives, and developing & implementing sound financial strategies to achieve your goals.
TAX PLANNING
Optimizing tax efficiency with specific, technical knowledge of federal and state tax codes.
ESTATE PLANNING
In collaboration with your legal counsel, we formulate a combination of financial strategies to preserve family wealth and facilitate the continuance of your business.
RETIREMENT PLANNING
Sound financial planning strategies for a worry-free retirement.
INSURANCE PLANNING
Comprehensive protection from severe financial loss for you and your family.
Meet Our Financial Planning Experts
Matthew J. Reynolds CPA, CFP
Partner
Industry Insights
Using a 529 Plan to Fund Education
A 529 Plan, also known as a Qualified Tuition Program (QTP), is a common way to save for education because of its tax advantages. Before the passage of the One Big Beautiful Bill Act in 2025, 529 funds were primarily designed for college-related costs. The 2025...
The Great Wealth Shift: What It Means for Families Today
Over the next 10 to 20 years, one of the largest financial transfers in history will quietly unfold. Trillions of dollars are expected to pass from baby boomers to their heirs. For many families, this will be the first time significant wealth changes hands. While...
Mandatory Roth Catch-Up Contributions Begin in 2026
For nearly a quarter century, employers have been able to offer their retirement savings plan participants age 50 and older a valuable opportunity — the chance to make additional catch-up contributions to their plan.1 Thanks to the SECURE 2.0 Act passed in 2022, that...
Happy 2026! Tax Information for our Clients
This year we will again be implementing a deadline for all our individual tax return clients to provide us with their tax documents in order for us to get our work completed by the original due date of April 15, 2026. Please provide your tax documents no later than...
Understanding the New 2026 Charitable Contribution Rules
The rules for deducting charitable contributions on your individual income tax return are changing for 2026. Here’s what you need to know to maximize your tax benefits and avoid surprises. 2026 Charitable Contribution Deduction Rules If you itemize deductions, you can...
New Incentive to Start Saving Early for Retirement
Take a look through the window in the nursery ward at the newborns and you will see little ones who can be saving for retirement. The One Big Beautiful Act will help get these children off to a good start since every child who is a US citizen born between January 1,...