Financial Planning and Investments Services
CPAs primarily provide services that include the preparation of income tax returns, explanation of tax laws and making recommendations to help reduce income tax liabilities, including, but not limited to, recommending retirement accounts contributions as one method to help reduce current income taxes.
Our clients have often inquired; how much should they set aside for a secure retirement and how should they invest those retirement savings? There is a very unique distinction between assisting in the preparation of income taxes and providing financial planning and investments services. As a trusted advisor and fiduciary, it makes sense to offer these services. In additional to being a CPA and Certified Financial Planner™ (CFP®), I am also an Investment Advisor Representative (IAR). This additional designation allows me to focus on long term planning and goals and to assist with building wealth in a more targeted and effective manner.
Our practice’s priority has always been our clients and not the numbers that surround them. As an IAR, we can target long term concerns and needs, review risk tolerances to make the appropriate investment selections and assist with investment strategies.
We work in tandem with the team of financial professionals at William Joseph Capital Management, Inc., a fully independent investment advisory firm. This collaboration allows us to provide a comprehensive look at how your investments fit into your life plan. As a CPA, CFP® and IAR it continues to be of the utmost importance that our clients are confident in their investment decisions and strategies. As a team, our focus will always be to continue monitoring their progress, discuss developments and adjust strategies as needs change.
Our Financial Planning and Investments Services include Estate planning, Retirement planning, Tax planning, Long term financial goals planning and review, Investment management services and Comprehensive wealth management services.
Our Investment Advisory Firm that we represent is William Joseph Capital Management, LLC.
Investment Advisory Services Offered Through William Joseph Capital Management, Inc., A Registered Investment Advisory Firm. Bryan J Ricci CPA CFP® is an IAR of William Joseph Capital Management, Inc.. Ricci and Co. CPAs and Consultants LLC and William Joseph Capital Management, Inc. are not affiliated.
As the services list below is by no means all-inclusive, please feel free to inquire about a service if you do not see it listed.
Accounting Services
Bookkeeping/Write-Up
Meaningful, well-organized financial records ensure that your business operations will run more efficiently on a daily basis and are the foundation of a successful business. Our qualified staff can assist you with the day-to-day tasks associated with bookkeeping.
Cash Flow & Budgeting Analysis
A business can be profitable and still run into trouble due to cash flow issues. We can forecast and evaluate your company's financial condition, estimate financing requirements, and track cash-flow sources and uses.
Financial Forecasts & Projections
Forecasting is a necessity when trying to effectively manage and lead a business to profitability. From simple projections to complex financial modeling, our experienced staff can assist you in achieving your company's financial goals.
Consulting Services
Business Entity Selection
Choosing the form of entity of your business (e.g. "S" corporation, sole proprietor, limited liability company) is a crucial decision that can have longstanding tax implications, positive or negative. We can assist you in evaluating the pros and cons of each entity type to help you determine the most advantageous form of business for your company.
Business Succession Planning
Effective coordination of the transition of your business to your successors is critical to ensure its continued success once you decide to remove yourself from the company's day to day operations. With a solid background in tax and other financial matters, we are fully qualified to address the complex issues of business continuation and can assist you in developing a strategically sound plan.
Debt & Financing Services
Debt management and the evaluation of financing options are issues that an experienced professional deals with every day. Let us use our experience to assist you in securing financing for your personal or business needs or consolidating your current debt to a more manageable level.
Estate Planning
Effective estate planning facilitates the orderly transfer of assets to your beneficiaries, provides security for your surviving spouse, and can reduce or eliminate the tax due on the transfer of your business and other assets. For business owners, providing for business continuity and succession of ownership is essential. We can guide you through the complex process of getting your financial affairs in order.
Financial Planning
A properly structured financial plan enables you to face any financial challenge that may present itself at each stage of your life. Through the financial planning process, we can help you assess your financial needs and develop strategies that will enable you to achieve your goals and strengthen your financial security.
Management Advisory Services
Even the most qualified managers can benefit from competent, objective feedback. We can help your company's management team develop long-term objectives and specific strategies to facilitate your business' future growth and success.
Retirement Planning
Successful implementation and periodic review of your financial plan will ensure financial independence during your working years and through your retirement years.
Other Services
Certified QuickBooks Pro Advisor ®
We are a Certified QuickBooks Pro Advisor ®. We can assist you in QuickBooks ® Setup, Training, and Reporting.
Tax Services
Estate & Trust Tax Preparation
Effective estate and gift planning facilitates the orderly transfer of assets to your beneficiaries, provides security for your surviving spouse, and can reduce or eliminate the tax due on the transfer of your business and other assets. For business owners, providing for business continuity and succession of ownership is essential. We can guide you through the complex process of getting your financial affairs in order.
IRS Representation
During our years of experience dealing with many taxing authorities, we have achieved a level of competence that can ensure our clients they are being properly represented before the various federal and state tax agencies.
Sales Tax Services
Many of our clients are responsible for collecting and submitting sales taxes in many different vicinities. We can assist your company in the compilation of information and preparation of sales tax returns in an efficient and timely manner.
Tax Planning
Tax planning is an essential element of the tax preparation process. By making tax planning part of your overall business strategy, you can use our experience and access to the most current new developments in the tax laws to minimize both your current and future tax liabilities.
Tax Preparation
Our significant investment in computerized tax preparation and research software enables us to accurately and efficiently prepare returns for various types of entities including individuals, corporations, partnerships, trusts, estates, and not-for-profit organizations.