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.

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Budgeting, Saving and Investing

5 Financial Tips for College Students
 

5 Financial Tips for College Students

Posted: September 21, 2016
Students may have spent years in school academically preparing for higher education, but they may not feel completely ready to handle their finances. We offer five tips for students who want to get high marks in managing their money.

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College Planning

What to Know Before You Take Out a Student Loan
 

What to Know Before You Take Out a Student Loan

Posted: July 27, 2016
Student loan arrangements can have unforeseen, long-lasting implications for a family's financial future. Here are some of the most important things you need to know before you or your children take out a student loan.

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Retirement Planning

Pension Planning: Choosing a Lump Sum or an Annuity
 

Pension Planning: Choosing a Lump Sum or an Annuity

Posted: April 26, 2016
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).

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Tax Tips


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Small Businesses

5 Pitfalls New Business Owners Should Avoid
 

5 Pitfalls New Business Owners Should Avoid

Posted: September 28, 2016
Launching and sustaining a successful new venture can be daunting, but there are ways to avoid common challenges that many startups face. We highlight smart ways to avoid common mistakes made by new business owners.