We Plan to Build Wealth.
Estate Planning
Studies show that financial security makes people feel happier, decreases the likelihood of divorce, and can even lead to a better night,s sleep. Achieving financial security starts with a plan - a roadmap that helps guide the direction of your wealth to ensure that your goals are met and your family is protected.
Estate planning creates a master plan for the management of your property during life and the distribution of that property at death. St. Clair CPA Solutions helps families enjoy financial security by planning to grow, preserve, and transfer assets in ways that meet individual needs. Our highly qualified financial professionals listen to each client's objectives, identify options, then work to design a plan that can maximize your financial portfolio while minimizing tax liability.
Our comprehensive planning strategies consider the full spectrum of your position for present and future generations. Are your wills, trusts, and power of attorney documents in order? Would a gifting program be beneficial to your estate? Many clients choose to establish an irrevocable trust that provides funds for survivors by leveraging assets to offset estate and inheritance taxes. If you are motivated by personal desire or tax incentives to make charitable donations, we can help select the charitable structure that targets your needs. We work with you to customize a plan that will best care for common concerns and uncommon contingencies.
St. Clair CPA Solutions presents clients with practical estate and retirement planning strategies that are grounded in a thorough understanding of tax codes, wealth preservation strategies, and personal choice. Our unified approach to your financial well-being coordinates the estate plan with plans for your business, investments, insurance, and employee benefits. As trusted financial advisors, we help clients Plan to Build Wealth.
VISION INTEGRITY
Our objective is to operate through St. Clair CPAs, P.C. an independent certified public accounting firm, and to offer access throughCPA Financial Group, LLC, wealth management strategies to help our clients achieve their desired goals.
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.
Retirement Planning
Studies show that financial security makes people feel happier, decreases the likelihood of divorce, and can even lead to a better night's sleep. Achieving financial security starts with a plan - a roadmap that guides the direction of your wealth to ensure that your goals are met and your family is protected.
St. Clair CPA Solutions helps families enjoy financial security by planning to grow and preserve assets in ways that meet individual needs. Our highly qualified financial professionals listen to each client's objectives, identify options, then work to design a plan that can maximize your financial portfolio while minimizing tax liability.
Our comprehensive planning strategies consider the full spectrum of your position for present and future generations. Are your wills, trusts, and power of attorney documents in order? Would a gifting program be beneficial to your estate? Many clients choose to establish an irrevocable trust that provides funds for survivors by leveraging assets to offset estate and inheritance taxes. We work with you to customize a plan that will best care for common concerns and uncommon contingencies.
St. Clair CPA Solutions presents clients with practical estate and retirement planning strategies that are grounded in a thorough understanding of tax codes, wealth preservation strategies, and personal choice. As trusted financial advisors, we help clients Plan to Build Wealth.
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.
Wealth Management
St. Clair CPA Solutions offers a fully integrated approach to managing wealth for every stage of the individual and family lifecycle. Recognizing that effective wealth management must consider all aspects of a client's financial position, we pioneered professional communication and coordination between tax advisors and investment advisors. Our clients benefit from streamlined financial services that encompass cohesive strategies to help minimize taxes and maximize wealth, presented by professionals who are united in their commitment to high quality, personal service.
Working together, the respected accountants of St. Clair CPAs, P.C., an independent certified public accounting firm, and the experienced financial planning professionals of CPA Financial Group, LLC, coordinate tax strategies, plan design, and investment strategies to build financial portfolios based on tax benefits and investment performance. Financial planning professionals of CPA Financial Group, LLC, are Registered Representatives and Investment Adviser Representatives of Commonwealth Financial Network.
This comprehensive strategy is both proactive and reactive, helping clients to plan for the future while responding and adapting to the natural and unexpected changes in each client's financial life. Through St. Clair CPAs, P.C. and CPA Financial Group, LLC, the objective of St. Clair CPA Solutions is to effectively and efficiently reduce tax liabilities and help clients protect, preserve, accumulate, and transfer wealth.This communication is strictly intended for individuals residing in the states of Arizona, Arkansas, California, Delaware, District of Columbia, Florida, Georgia, Idaho, Indiana, Maryland, Michigan, Minnesota, North Carolina, New Jersey, New Mexico, New York, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Vermont. No offers may be made or accepted from any resident outside these states due to various state requirements and registration requirements regarding investment products and services.