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
Consider Maximizing the Resources of Your Accounting Professional to Assist in Reaching Your Financial Goals
Come this July, I will have spent fifty years in the accounting profession with Capaldi Reynolds & Pelosi. Since my retirement in September of 2018, I have been serving as an advisor to the Firm. As we approach that time of year (tax filing season) when many...
Want to Avoid Paying Back Provider Relief Funds?
Truly a relief in 2020, the federal government allocated $175 billion in payments to be distributed to providers of healthcare services and support through the Provider Relief Fund (PRF). Providers even received the Relief Fund Payments from Phase 1, the $30 Billion...
Are you eligible for the Recovery Rebate Credit?
This year taxpayers may get an Economic Recovery Credit when they file their returns. Will you? There have been two rounds of stimulus checks sent to taxpayers. Those were based on tax returns filed for either 2018 or 2019, the last return filed by the taxpayer...
The Installment Sale: Definition and Benefits
An installment sale can be a prudent tax strategy for someone who is selling property or an asset. In an installment sale, the seller receives at least one payment after the tax year in which the sale happened. Rather than receiving the total contract price for the...
Year End Tax Planning Considerations Under A Biden Tax Plan
As the close of year 2020 is rapidly approaching, I’d like to mention a few tax planning thoughts that should be considered before year-end, assuming that the Senate changes hands before the start of the President Elect’s administration. Keep in mind that in order for...
It’s Not Much, but Every Little Bit Helps
The higher standard deduction enacted under the Tax Cut and Jobs Act and the economic impact of the Coronavirus are expected to have a significant impact on the ability of charitable organizations in our country to do their work, and in some cases survive. To provide...