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We help you do more than save FOR college, we help you save ON college.

​Affording college can be a daunting task, but there are several strategies that can help you pay for higher education.We specialize in strategies that are specific to your family's need so as to get the absolute most out of saving ON and not just FOR college.

For many families, the cost of college can be a significant financial burden, and they may not have the savings or resources to cover the costs outright. This can lead to concerns about taking on large amounts of student loan debt, which can impact their financial well-being for years to come. Let us help you.

Employee retention tax credits (ERTCs) are a tax incentive provided to eligible employers who retain employees during a specific period of time, typically during times of economic hardship. ERTCs were introduced by the Coronavirus Aid, Relief, and Economic Security (CARES) Act in March 2020, and were extended and expanded by subsequent legislation.

Eligible employers can claim a credit against their employment tax liability equal to a percentage of qualified wages paid to employees during the period of eligibility. The percentage of qualified wages that can be claimed as a credit varies depending on the period of eligibility and the size of the employer.

To qualify for ERTCs, employers must meet specific eligibility criteria.

Overall, ERTCs are designed to encourage employers to retain employees during times of economic hardship by providing a tax credit to offset some of the costs of retaining employees. It is important for employers to consult with a tax professional to determine eligibility and ensure compliance with the specific requirements of the ERTC program.

Proper Tax planning that benefits the tax payer requires strategies for looking ahead.

A life settlement is the technical term for selling your life insurance policy to an investor. Your life insurance is an asset which can be sold just like your house or your car.

Tax-free retirement refers to a retirement strategy where the retiree's income during retirement comes from sources that are not taxed. The goal of a tax-free retirement plan is to minimize or eliminate taxes in retirement, allowing retirees to keep more of their hard-earned savings and investments.

A tax-free retirement plan may require careful planning and coordination with a financial advisor to ensure the retiree's income sources are diversified and appropriate for their individual financial situation.

Overall, a tax-free retirement can provide financial flexibility and peace of mind for retirees, allowing them to enjoy their retirement savings without worrying about hefty taxes eating into their income.

401k compliance refers to the rules and regulations that govern the operation of 401k retirement plans. The purpose of these rules is to ensure that 401k plans are managed in a way that is fair to employees and compliant with the law.

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The main governing body for 401k compliance is the Internal Revenue Service (IRS). The IRS sets the rules and regulations that govern 401k plans, and employers are responsible for ensuring that their plans are compliant with these regulations.

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Failure to comply with 401k regulations can result in penalties, fines, and other legal consequences for employers.

Therefore, it is essential for employers to stay up-to-date on 401k compliance requirements and work with experts, such as attorneys and plan administrators, to ensure that their plans are compliant with the law.

Estate planning is important because it allows individuals to have control over what happens to their assets and property after they pass away. It is a process of creating a plan that outlines how your assets will be distributed, who will manage your estate, and how your affairs will be handled in the event of incapacity or death.

Estate planning allows you to have control over your assets and who will receive them. This can help ensure that your assets are distributed according to your wishes and that your beneficiaries are taken care of.

Estate planning can help you minimize taxes and avoid unnecessary expenses such as probate costs, which can reduce the amount of assets that pass on to your heirs. And so much more!

Overall, estate planning is an important process that can help ensure that your assets are distributed according to your wishes and that your loved ones are taken care of after you pass away. It is important to work with a qualified estate planning attorney or financial planner to create a plan that meets your specific needs and circumstances.