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
Interest Rate Risk: Why your bonds are worth less now
Investors expect volatility in the stock market. It’s something that investors accept when they decide to invest in stocks, with the hopes of achieving greater returns than with other investments. With bonds, it’s a different story. This part of a portfolio is...
Number of Cash Balance Pension Plans Triples in Past Decade
Why have the number of Cash Balance Pension Plans tripled in the past decade? For many successful professional practices and business owners, Cash Balance Pension Plans can significantly reduce tax liabilities and can accelerate the growth of owner’s retirement assets...
The SECURE 2.0 Act of 2022
The SECURE 2.0 Act of 2022 (the Act), enacted on December 29, 2022, builds on the SECURE Act of 2019, which increased the age of required minimum distributions (RMDs) and eliminated age restrictions for traditional IRA contributions. The legislation could help...
Digital Payment Scams Information
Digital payment platforms are becoming a more popular, quick, and convenient way to send money. As the use of P2P apps, such as Venmo, Cash App, and Zelle, continues to rise, unfortunately, so do the scams. Fraudsters are becoming trickier with their scam tactics in...
Help Make a Difference this Holiday Season
If you’re stopping by the office, please consider adding to the collections the NJCPA is making to help fill the coffers of the Community FoodBank of New Jersey. Since 2010, the NJCPA has donated more than 20,000 pounds of food items to the FoodBank. This year our...
Tax-Loss Harvesting – Don’t Miss the Opportunity
This time of year many people start thinking about year-end tax planning. An integral part of tax planning involves the potential for tax-loss harvesting in your taxable portfolio. What we are going to discuss below can only be done in taxable accounts (i.e....