Accounting for Life Advising for Lifecycles

The professionals of CPA Financial Group, LLC and its affiliates are Registered Representatives and Investment Adviser Representatives with/and offer securities and advisory services through Commonwealth Financial Network®, member FINRA, SIPC, a Registered Investment Adviser. Plan to Build Wealth

Accounting and Auditing

Systematic accounting and auditing are the foundation of any business. With timely reporting, proper controls, and accurate analysis, a business can manage its growth and meet its fiduciary obligations to stakeholders in a highly complex and competitive marketplace.

St. Clair CPAs ranks among the top certified public accounting firms in the Tri-State area. Public corporations, entrepreneurial businesses, municipal agencies, and nonprofit organizations all rely on St. Clair CPAs for reliable, objective accounting and constructive management consulting, delivered by skilled professionals who are committed to integrating accounting and auditing into a company’s strategic business plan.

Each engagement is uniquely designed to meet a client’s specific goals and financial requirements with a cost-effective pairing of professional expertise and state-of-the-art technology. Our “hands-on” approach to problem-solving enables St. Clair CPAs to assist clients with realistic recommendations that add value and efficiency to a range of business processes. Our focus is always on the bottom line.

Business Consulting

Entrepreneurs and senior management turn to St. Clair CPAs for consulting support on a wide range of financial, operational, and business issues. Our experience in complex transactions, business valuations, risk management, distributions to owners, succession planning, mergers, acquisitions, liquidations, inventory control, employee benefits and other operational and planning issues enable us to present business owners with a fresh perspective grounded in sound management practices.

St. Clair CPAs can help management develop short and long-term objectives and strategic plans, develop systems for greater efficiency and profitability, plan for business continuity, secure financing, negotiate transactions, and implement cutting-edge technology.

Our partners are highly respected business consultants and leaders in the financial services industry. In addition, clients of St. Clair CPAs benefit from a team of professional advisors through the affiliated companies of St. Clair CPA Solutions.

Employee Group Benefits

Personal and business insurance offers more than just monetary protection. When structured wisely, insurance is an integral part of a total financial plan. The insurances you choose can help you maximize your financial portfolio while protecting you, your company, or your employees from the unexpected. Careful insurance planning can save money, build wealth, and mitigate the financial and emotional impact of a minor problem or major disaster.

Smart businesses recognize that competitive employee business plans can help attract and retain talented, satisfied employees. As a core component of any benefits package, insurances add value to a compensation plan and give employees a measure of financial security.

St. Clair CPA Solutions offers comprehensive insurance and benefits services through its affiliate, CPA Financial Group, LLC; many plans are managed by its strategic partner, EBA Consulting, LLC. For businesses and individuals, we combine the industry’s best products with cost-effective, custom coverages to create a program that is specific to your needs and financial objectives.

Executive Compensation

Professionals of CPA Financial Group, LLC who are Investment Adviser Representatives through Commonwealth Financial Network® , offer advisory services to assist business owners with management and operational issues that impact productivity and profitability for short-term and long-range planning. As part of our comprehensive approach to business planning, our financial professionals can develop both cash and non-cash strategies for executive compensation. Depending on the size and structure of a business, compensation plans may range from a simple, straightforward plan to sophisticated, complex compensation formulas. Compensation plans may include insurance benefits, qualified retirement plans, stock options, personal performance initiatives, and other tax-advantaged nonqualified plans.

Insurance

Personal and business insurance offers more than just monetary protection. When structured wisely, insurance is an integral part of a total financial plan. The insurances you choose can help you maximize your financial portfolio while protecting you, your company, or your employees from the unexpected. Careful insurance planning can save money, build wealth, and mitigate the financial and emotional impact of a minor problem or major disaster.

Smart businesses recognize that competitive employee business plans can help attract and retain talented, satisfied employees. As a core component of any benefits package, insurances can add value to a compensation plan and give employees a measure of financial security.

St. Clair CPA Solutions offers comprehensive insurance and benefits services through its affiliate, CPA Financial Group, LLC; many plans are managed by its strategic partner, EBA Consulting, LLC. For businesses and individuals, we combine the industry’s best products with cost-effective, custom coverages to create a program that is specific to your needs and financial objectives.

Health insurance
Dental insurance
Long-term care insurance
Permanent life insurance
(Whole, Universal, Variable*)
Term life insurance
(10,15,20, 25, 30-year terms)
Group life insurance
Short/Long-term disability insurance
Personal accident insurance

Dependent Care insurance
Buy/Sell insurance
Business travel insurance
Employee benefits
401(k) plans
Pension and Profit-sharing plans
Cafeteria plans
Employee reimbursement accounts
Health savings accounts
Flexible savings accounts

Investments

St. Clair CPA Solutions provides access to investment services through its subsidiary, CPA Financial Group, LLC.

Our highly experienced professional advisors are Registered Representatives and Investment Adviser Representatives with Commonwealth Financial Network® trained to help personal and business clients make investment decisions based on their individual approach to risk and reward. Clients benefit from close personal relationships with their investment advisors, who help to develop an initial wealth management plan, and then monitor and adjust that plan to reflect changes in portfolio, lifecycle, or goals.

To support the very personal service that each client receives, we offer a user-friendly, web-based, financial planning and account aggregation software that allows clients to access all of their financial information from one secure, encrypted, personal internet portal. This unique wealth management platform provides tracking, reporting, and planning features to help clients create and view financial accounts, tax and legal documents, insurance coverages, strategic plans, and financial goals all in one place. Working independently or with an investment advisor, clients can access graphs and modeling features to experiment with different financial objectives or easily visualize and compare the impact of investment choices on financial goals. Clients can also access asset information anytime, anywhere.

As wealth grows, financial planning becomes more complicated. The financial professionals of CPA Financial Group, LLC are specialists in managing complex portfolios, and in guiding clients through a complete array of investment options.

Litigation Support

The certified public accountants of St. Clair CPAs are highly skilled in all aspects of forensic accounting, from pre-trial case preparation through courtroom appearances. Attorneys rely on St. Clair CPAs for investigation assistance, analyzing and translating financial data, and reconstructing lost or stolen records, as well as courtroom testimony.

Our litigation experts have supported clients and attorneys in all kinds of legal actions for nearly 20 years. As a Diplomat of the American Board of Forensic Accounting, St. Clair CPAs is trusted to present theories and provide expert testimony based on accurate financial models, analyses, reports, and theories.

St. Clair CPAs provides support services for litigation in civil, tax, and divorce lawsuits, business interruption and bankruptcy matters, criminal cases, and alternative dispute resolutions. Our experience in litigation support can be a valuable asset for clients and attorneys alike.

Contract dispute negotiations and resolution services
Breech of Contract damage report analysis
Employee wrongful termination damages and reports
Bankruptcy services including preference analysis and disbursement agent accounting
Insurance recovery services to support business interruption claims and related property loss
Domestic relation (divorce) services including property settlements verification and rebuttal consultation

Retirement Plans

St. Clair CPA Solutions offers an array of retirement plan options through its affiliate, CPA Financial Group, LLC; many plans are managed by its strategic partner, EBA Consulting, LLC.

Our planning professionals are highly skilled in creating and managing retirement plans that best meet the lifecycle needs of every individual. We consistently monitor marketplace opportunities and legislation, as well as competitive products and costs, to ensure that your retirement plan continues to deliver optimal benefits to you and your employees.

Our retirement plan expertise is built on broad experience and solid, long-term relationships that extend beyond regulatory compliance to services that can help individuals preserve and build wealth in a tax-efficient manner. Our retirement plan specialists help you analyze and evaluate plan options, manage enrollment and termination issues, and align your retirement plan with your personal and corporate goals.

Retirement Plans
Pension Plans
Profit-Sharing Plans
401K Plans
Defined Benefit Pension Plans
SEPs & Simple Plans
IRAs
Roth IRAs
IRA Rollovers

Tax Services

Proper tax planning depends on two critical factors: year-round attention to tax and compliance issues, and maintaining current understanding of the ever-changing rules at the federal, state, and local levels.

St. Clair CPAs provide complete, high quality tax services for corporations, partnerships, individuals, estates, and trusts. Our knowledgeable tax professionals work to enhance each client’s tax position with a deep understanding of tax requirements and a commitment to year-round tax planning.

Business and personal clients trust St. Clair CPAs to plan effective tax strategies, prepare tax returns and related schedules, provide valuable tax advice, and represent them before taxing authorities. Our goal is always to help clients minimize taxes while realizing every available tax benefit.

We Plan to Build Wealth.