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Retirement Planning Advice
This service pertains to individuals and includes advice on the pros and cons of investing in 401Ks vs IRAs from both a financial and tax perspective. Also, we provide advice regarding whether or not to roll your 401K over to another 401K versus an IRA whenever you change jobs. In addition, if you have company stock as part of your 401K and you decide to change jobs, we will provide you with tax advice on how to handle the rollover of those stocks since the government has allowed special tax treatment for this situation under the net unrealized appreciation clause providing that certain specific procedures are followed during the rollover.

Price Range - $50 to $100
This service pertains to small businesses and includes an explanation of the various 401K and IRA investment plans available to your small business that could result in tremendous tax savings. These plans, to name a few, include Solo 401K, Traditional 401K, Safe Harbor 401K, Simple 401K, SEP IRA and Simple IRA. The pros and cons of each plan will be explained to you and advice will be given regarding the plan that best suits your business. Also, advice will be given regarding the pros and cons of rolling over your individual IRA and 401K plans into your small business' 401K plan. 

Price Range - $75 to $150
This service pertains to individuals and includes an explanation of the numerous tax benefits available to individuals who are saving for the cost of higher education for themselves or their families. It also includes advice on how to utilize these tax benefits since they are not automatic and more importantly, which of these benefits to utilize based on your individual situation. One of the main education tax benefits is the 529 college saving plan which allows the funds that you invest in this plan as well as any interest earned, to grow tax free provided that the funds are eventually used for educational purposes. Apart from the normal tax savings plans, there are others like Life Insurance or ROTH IRA investments that can be used to save for higher education and at times could result in even more tax savings than one of these traditional educational savings plans. Please feel free to call us or fill out the Request Information box shown on the right to learn more about these college savings plans and the best one to choose given your situation.

Price Range - $50 to $100
At RSKPJ & Associates, we aim to please our clients by offering high quality accounting services at an affordable price. The accounting services mentioned here are mostly advisory in nature. If you would like actual bookkeeping or tax services, please click on the tabs entitled "Bookkeeping" or "Taxes" respectively since these tabs will provide you with information regarding these services. Please see the list below of the advisory accounting services that we offer and the corresponding prices. 
Individuals
Small Businesses
College/Educational Savings Advice
Estate/Gift/Trust Planning Advice
This service pertains to individuals and includes an explanation of the definition of estates, gifts and trusts and advice on why trusts should be created, how trusts differ from wills, the major differences between estates and trusts and the tax benefits of investing in trusts. Estate and gift planning advice, which are interdependent, is also provided as well as strategies on how to reduce these taxes. Please feel free to call us or fill out the Request Information box shown on the right to learn more regarding the beneficial tax strategies for estates, gifts and trusts. 

Price Range - $50 to $100
Employee Stock Options and Restricted Stock Advice
Individuals
Individuals
Individuals
This service pertains to individuals and includes an explanation of the various types of employee stock options that your employer may offer to you as well as the the tax treatment of the disposition of these stocks. Also, advice is given on when and how these stocks should be disposed of so as to yield the greatest tax benefit. Please feel free to call us or fill out the Request Information box shown on the right to receive tax advice, tailored to your individual situation, regarding employee stocks.  

Price Range - $50 to $100