Tax and Financial Planning
for consumers and small business owners

The New Jersey Society of Certified Public Accountants (NJCPA) represents more than 15,000 CPAs and aspiring CPAs. Below you will find guidance and information to help you manage your day-to-day finances, minimize your taxes and meet your long-term financial goals.




Budgeting, Saving and Investing

Four in Five Americans Say Allowance Teaches Financial Responsibility

Posted: April 28, 2016
Four in Five Americans Say Allowance Teaches Financial Responsibility Providing children with a regular allowance gives parents a perfect opportunity to have a discussion about the basics of saving, spending and budgeting.


College Planning

Tax Credits That Can Help Lower College Costs

Posted: August 26, 2015
Tax Credits That Can Help Lower College Costs Are you looking for ways to minimize the costs of higher education? There are some tax laws that can help lower your outlays.



Retirement Planning

Pension Planning: Choosing a Lump Sum or an Annuity

Posted: April 26, 2016
Pension Planning: Choosing a Lump Sum or an Annuity Should you take your pension in a lump sum or as an annuity payment? Here's how you can determine whether getting a monthly stream of payments for life or getting a large cash payment is right for you (and your spouse).



Tax Tips

IRS Phone Fraud Scams Reach Epidemic Proportion

Posted: April 26, 2016
IRS Phone Fraud Scams Reach Epidemic Proportion The Treasury Inspector General for Tax Administration urges taxpayers to remain on “High Alert” and has announced additional outreach efforts to prevent them from falling victim to criminals who impersonate IRS and Treasury employees this filing season.



Small Businesses

The Small Business Health Care Tax Credit: Seven Tax Tips for Employers

Posted: April 6, 2016
The Small Business Health Care Tax Credit: Seven Tax Tips for Employers Do you own a small business or run a tax-exempt organization with fewer than 25 full-time equivalent employees? If you do, the Small Business Health Care Tax Credit can help you provide insurance to your employees.