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
Thinking of Making an IRA Contribution for 2016?
There are many types of IRAs. This article will discuss Traditional IRAs, Roth IRAs and non-deductible IRAs, available to individuals (or a spouse of an individual) with earned income or collecting alimony. The first criterion to consider is your age. If you are over...
What am I Forgetting?
Spending a little bit of time thinking about your expenses for the year might lead to lower taxes. We often see taxpayers cheat themselves when it comes to the following: Medical expenses for themselves and their dependents. These are harder to deduct for federal...
It’s January: Time to Prepare for Tax Season
by Clayton Himstedt, CPA Now that the holidays are behind us, we can start focusing on everyone’s favorite time of year, tax time. Throughout the month of January, your 2015 tax documents will begin arriving in your mailbox. The best time to provide your tax...
The Alternative Minimum Tax – “The Epitome of Pointless Complexity”
So dubbed by the Tax Policy Center, the Alternative Minimum Tax, a tax intended to insure that wealthy taxpayers pay their fair share of federal taxes, is showing up on more middle class tax returns. Will you be one of those taxpayers? The Alternative Minimum...
Quickbooks Tip of the Month: May
Did you know that you can save images of receipts using Quickbooks Online Mobile? This app can be downloaded free for Android devices from the Google Play Store or for iPad and iPhone devices from iTunes. Data such as expenses can be directly entered into Quickbooks...
Canceled Debt – Is it Taxable or Not?
Canceled Debt – Is It Taxable or Not? If you borrow money and are legally obligated to repay a fixed or determinable amount at a future date, you have a debt. You may be personally liable for a debt or may own a property that is subject to a debt. If your debt is...