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
Tax-Loss Harvesting
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...
Inflation Concerns
Should You Be Concerned About Inflation? If you pay attention to financial news, you are probably seeing a lot of discussion about inflation, which has reared its head in the U.S. economy after being mostly dormant for the last decade. In May 2021, the Consumer Price...
Looking for Coverage in All the Right Places
Insurance is everywhere; it is intertwined with every facet of our working and personal lives. Yet, all too often when a loss occurs or a liability is sustained, corporate and individual policyholders fail to obtain the full protection that insurance promises to...
Changes to Child and Dependent Care Tax Credit for 2021
The child and dependent care tax credit is a credit allowed for expenses that a taxpayer incurs for the care of a child under age 13 or a dependent relative that enable the taxpayer to work or look for work. The American Rescue Plan Act (ARPA) enacted March 11, 2021...
Help! I Invested in Cryptocurrency and Meme Stocks! What Do I Do Now?
A scenario for you: You’re a young millennial who spends his or her mornings perusing your most trusted source of internet news (I, of course, am referring to Reddit) in November of 2020. A hot tip involving a potential short-squeeze opportunity to profit off of an...
Tips from the IRS for Your Protection
It seems that calls to protect my car with an extended warranty are now outnumbering the threatening calls I once got, supposedly from the IRS. Unfortunately, that doesn’t mean that scammers have given up pretending to be collection agents for the IRS. For our...