Accounting and Auditing

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

St. Clair CPAs ranks among the top certified public accounting firmsin the Tri-State area. Public corporations, entrepreneurial businesses,municipal agencies, and nonprofit organizations all rely on St. ClairCPAs for reliable, objective accounting and constructive managementconsulting, delivered by skilled professionals who are committed tointegrating accounting and auditing into a company’s strategic businessplan.

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

Business Consulting

Entrepreneurs and senior management turn to St. Clair CPAs forconsulting support on a wide range of financial, operational, andbusiness issues. Our experience in complex transactions, businessvaluations, risk management, distributions to owners, successionplanning, 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 soundmanagement practices.

St. Clair CPAs can help management develop short and long-termobjectives and strategic plans, develop systems for greater efficiencyand 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 affiliatedcompanies of St. Clair CPA Solutions.

Employee Benefit Plan Audits

St. Clair CPAs, P.C. is committed to helping clients meet their audit and reporting obligations. As a member of the AICPA Employee BenefitPlan Audit Quality Center, our highly qualified accountants and auditors have particular experience in performing quality 401(k) and 403(b) plan audits.

The U.S. Department of Labor (DOL) requires plans coveredunder the Employee Retirement Income Security Act of 1974 (ERISA) tosubmit independently audited financial statements. Generally, plans with 100 or more eligible participants are subject to this auditrequirement.

In addition to providing businesses and nonprofits with anindependent audit of their financial statements for their 401(k) and403(b) plans, we can also:

• establish accounting records and proper controls,
• assist with plan design and review,
• review and/or prepare IRS Form 5500,
• consult on reporting and filing requirements.

St. Clair CPAs, P.C. can ensure your audit and reportingcompliance with experienced CPAs who specialize in defined contributionplans for businesses and nonprofit organizations. Our hands-on teamdelivers the highest quality personal, professional service withintegrity and an unparalleled dedication to excellence.

Employee Group Benefits

Personal and business insurance offers more than just monetaryprotection. When structured wisely, insurance is an integral part of atotal financial plan. The insurances you choose can help you maximizeyour financial portfolio while protecting you, your company, or youremployees from the unexpected. Careful insurance planning can savemoney, build wealth, and mitigate the financial and emotional impact of a minor problem or major disaster.

Smart businesses recognize that competitive employee business planscan help attract and retain talented, satisfied employees. As a corecomponent of any benefits package, insurances add value to acompensation plan and give employees a measure of financial security.

St. Clair CPA Solutions offers comprehensive insurance and benefitsservices through its affiliate, CPA Financial Group, LLC; many plans are managed by its strategic partner, EBA Consulting, LLC. For businessesand individuals, we combine the industry’s best products withcost-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 AdviserRepresentatives through Commonwealth Financial Network® , offer advisory services to assist business owners with management and operationalissues that impact productivity and profitability for short-term andlong-range planning. As part of our comprehensive approach to businessplanning, our financial professionals can develop both cash and non-cash strategies for executive compensation. Depending on the size andstructure of a business, compensation plans may range from a simple,straightforward plan to sophisticated, complex compensation formulas.Compensation plans may include insurance benefits, qualified retirementplans, stock options, personal performance initiatives, and othertax-advantaged nonqualified plans.

Insurance

Personal and business insurance offers more than just monetaryprotection. When structured wisely, insurance is an integral part of atotal financial plan. The insurances you choose can help you maximizeyour financial portfolio while protecting you, your company, or youremployees from the unexpected. Careful insurance planning can savemoney, build wealth, and mitigate the financial and emotional impact of a minor problem or major disaster.

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

St. Clair CPA Solutions offers comprehensive insurance and benefitsservices through its affiliate, CPA Financial Group, LLC; many plans are managed by its strategic partner, EBA Consulting, LLC. For businessesand individuals, we combine the industry’s best products withcost-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 RegisteredRepresentatives and Investment Adviser Representatives with Commonwealth Financial Network® trained to help personal and business clients makeinvestment decisions based on their individual approach to risk andreward. Clients benefit from close personal relationships with theirinvestment advisors, who help to develop an initial wealth managementplan, and then monitor and adjust that plan to reflect changes inportfolio, lifecycle, or goals.

To support the very personal service that each client receives, weoffer a user-friendly, web-based, financial planning and accountaggregation software that allows clients to access all of theirfinancial information from one secure, encrypted, personal internetportal. This unique wealth management platform provides tracking,reporting, and planning features to help clients create and viewfinancial accounts, tax and legal documents, insurance coverages,strategic plans, and financial goals all in one place. Workingindependently or with an investment advisor, clients can access graphsand modeling features to experiment with different financial objectivesor easily visualize and compare the impact of investment choices onfinancial goals. Clients can also access asset information anytime,anywhere.

As wealth grows, financial planning becomes more complicated. Thefinancial professionals of CPA Financial Group, LLC are specialists inmanaging complex portfolios, and in guiding clients through a completearray 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 preparationthrough courtroom appearances. Attorneys rely on St. Clair CPAs forinvestigation assistance, analyzing and translating financial data, andreconstructing lost or stolen records, as well as courtroom testimony.

Our litigation experts have supported clients and attorneys in allkinds of legal actions for nearly 20 years. As a Diplomat of theAmerican Board of Forensic Accounting, St. Clair CPAs is trusted topresent theories and provide expert testimony based on accuratefinancial 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 inlitigation support can be a valuable asset for clients and attorneysalike.

• 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 optionsthrough its affiliate, CPA Financial Group, LLC; many plans are managedby its strategic partner, EBA Consulting, LLC.

Our planning professionals are highly skilled in creating andmanaging retirement plans that best meet the lifecycle needs of everyindividual. We consistently monitor marketplace opportunities andlegislation, as well as competitive products and costs, to ensure thatyour retirement plan continues to deliver optimal benefits to you andyour employees.

Our retirement plan expertise is built on broad experience and solid, long-term relationships that extend beyond regulatory compliance toservices that can help individuals preserve and build wealth in atax-efficient manner. Our retirement plan specialists help you analyzeand 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-roundattention to tax and compliance issues, and maintaining currentunderstanding of the ever-changing rules at the federal, state, andlocal levels.

St. Clair CPAs provide complete, high quality tax services forcorporations, partnerships, individuals, estates, and trusts. Ourknowledgeable tax professionals work to enhance each client’s taxposition with a deep understanding of tax requirements and a commitmentto year-round tax planning.

Business and personal clients trust St. Clair CPAs to plan effectivetax strategies, prepare tax returns and related schedules, providevaluable tax advice, and represent them before taxing authorities. Ourgoal is always to help clients minimize taxes while realizing everyavailable tax benefit.