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 Tips to Manage Your Prescription Drug Costs
 

5 Tips to Manage Your Prescription Drug Costs

Posted: August 4, 2016
Do you feel you're spending too much on your prescriptions? That's not too surprising. Americans laid out an estimated $457 billion on prescription drugs in 2015, according to the U.S. Department of Health and Human Services. Don't despair, though. We provide smart ideas for trimming those costs.

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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

Home Energy Tax Credits Save You Money at Tax Time
 

Home Energy Tax Credits Save You Money at Tax Time

Posted: August 29, 2016
Certain energy-efficient home improvements can cut your energy bills and save you money during tax time. Here are some key facts that you should know about home energy tax credits.

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Small Businesses