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

Buy vs. Rent: 5 Things to Consider

Posted: May 27, 2016
Buy vs. Rent: 5 Things to Consider Buying a house is the largest investment most people make. If you’re considering making the leap from renting to owning, there are some things you should consider.


College Planning

Vast Majority of Americans with Student Loans Make Sacrifices to Meet Monthly Payment

Posted: May 12, 2016
Vast Majority of Americans with Student Loans Make Sacrifices to Meet Monthly Payment  A new survey has found that the impact of student loan debt is crippling Americans’ ability to secure their financial futures and even causing them to delay starting families.



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 Warns of Latest Scam Variation Involving Bogus “Federal Student Tax”

Posted: May 27, 2016
IRS Warns of Latest Scam Variation Involving Bogus “Federal Student Tax” The Internal Revenue Service today issued a warning to taxpayers about bogus phone calls from IRS impersonators demanding payment for a non-existent tax, the “Federal Student Tax.”



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.