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
IRC 83(b) Election: Is This the Right Choice for You?
You may be wondering what the IRC 83(b) Election is and what the benefits and disadvantages of this election are. We’ll be explaining what it is, why you may want to make the election, and when to do so. Election and Understanding Let’s start off by explaining what...
IRS Using AI to Enforce Tax Compliance for the Wealthy
The Inflation Reduction Act funding passed by Congress in August of 2022 granted additional funding to the IRS. The Service has announced it will apply a portion of those funds to restore fairness in tax compliance, and it plans to do so by using advances in...
Understanding QDROs and Protecting Your Retirement Nest Egg with Allison Fried
Allison Fried recently had a conversation with Frank LaRocca on his podcast, "The Divorce Playbook Podcast". Tune in as she talks about why you might need a Qualified Domestic Relations Order (QDRO), Defined Benefit vs. Defined Contribution Plans, the importance of...
The World of Higher Education in 2023
A 2023 national survey revealed a shift in public opinion over the past decade about the value of a college degree: 56% of Americans think a four-year college degree is not worth the cost due to students graduating with significant debt and a lack of specific job...
Possible Pitfalls in the New Jersey Inheritance Tax
While New Jersey eliminated the estate tax in 2018, the inheritance tax is still alive and well. The New Jersey inheritance tax is a tax on inheritances left to non-lineal, Class C and Class D beneficiaries[1]. If you are a New Jersey resident and you plan on leaving...
A Review of NJ Estate and Inheritance Taxes
When you think of the state of New Jersey and taxes, you usually expect them to be on the higher side relative to other states. When it comes to the “death tax” or estate taxes, New Jersey has surprisingly become more favorable over time. Many of our clients have...