Client Services
Our firm offers a wide range of services to our individual and business clients. Below we have listed the services that we offer to our clients along with a brief description.

As the list below is by no means all-inclusive, please feel free to inquire about a service if you do not see it listed. If it is not a service we provide, we would be more than happy to refer you to a qualified professional.


Tax Services

Tax Services

Our firm provides various services for both businesses and individuals. The overall goal for both groups is to help you get where you want to be while minimizing your tax liability. Wherever you are starting out, looking for ways to expand or facing a major change, we are there to analyze the tax consequences. Tax laws and regulations are always changing and we will be there to keep you up to date.

Compliance with Federal and State Tax Laws:

  • Preparation of federal, state and local income tax returns
  • Payroll tax reporting compliance
  • Determination of estimated tax deposit requirements
  • Sales and use tax compliance.

Resolving Controversies with Taxing Authorities:

  • Representation in examinations of tax returns by the IRS and state taxing authorities
  • Response to IRS correspondence and inquiries regarding tax returns and payments
  • Assembly of documentation and interaction with legal authorities
  • Representation before the IRS Appellate Division and similar state authorities

Income Tax Planning – Businesses:

  • Consultation regarding the tax consequences of mergers, acquisitions, sales, liquidations, legal entity analysis and selection, business succession and continuity
  • Alternative approaches to purchases, sales and other transactions
  • Preparation of reports required by the IRS and state authorities in connection with business transactions

Income Tax Planning – Individuals:

  • Consultation regarding tax consequences of major personal transactions
  • Tax and financial considerations of various investments
  • Tax considerations and alternatives in the purchase or sale of property
  • Guidance regarding compensation programs, employee benefit plans and qualified retirement plans

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Accounting Services

Accounting Services

In addition to our many other services, we have always provided top quality accounting and bookkeeping services. Whether we are the accounting function of your business or we are working with your staff, our goal is to provide timely and accurate information about your business.

Our firm provides a full range of effective accounting services including the following:

  • General ledger & financial statement preparation
  • Bookkeeping (Monthly/Quarterly/Annual)
  • Accounting system setup
  • Computerized payroll services
  • Business tax return preparation
  • Personal financial statements

    Audits, Reviews and Compilations

    We provide financial reporting on all three levels of assurance:

    • Audit- an intensive examination with the highest level of assurance
    • Review - some analytical procedures conducted with limited assurance
    • Compilation - based upon client information provided and used primarily for internal use.

      Consulting Services

      Estate Planning

      Estate plans must be as unique as the family they are designed for. We will work with you, your family and your business to understand your goals before beginning the estate planning process. We help answer various questions regarding estate taxes, probate procedures, annual exclusion gifts, revocable living trusts and charitable bequests.

      Compliance is a crucial area to the estate plan. We will work with you, your family, and other advisors to activate the plan, monitor and provide required reporting. By knowing the whole picture, we can incorporate tax planning for these areas into your overall income tax plan.

      Our various strategies are:

      • Retirement plan distribution and beneficiary selection
      • Cash flow planning and projections
      • Business succession planning
      • ESOP – Employee Stock Ownership Plans
      • Family partnerships
      • Living trusts
      • Life insurance needs
      • Irrevocable life insurance trusts
      • Long-term care insurance
      • Charitable remainder trusts
      • Private foundations
      • Lifetime gift planning

      Our compliance services are:

      • Income tax returns for trusts and estates
      • Final income reporting for the decedent
      • Grantor trust reporting
      • Income tax reporting for charitable remainder trusts
      • Annual gift tax returns
      • Estate tax returns

      Financial Planning

      Investments and Retirement

      Financial planning requires both intensely personal and emotional decisions. We want to understand your needs and work with you to create a customized plan to accomplish your objectives.

      We help answer the following questions:

      • How much do I need to save for retirement?
      • How do I choose investments during both pre- and post-retirement years?
      • How much money do I need from my retirement account to maintain a comfortable lifestyle?
      • What are the tax implications of taking money from retirement accounts too soon or too late?
      • How do I choose an investment advisor?
      • Will I be able to afford a quality education for my children?

      Personal financial planning requires widespread technical knowledge and an understanding of many financial services and products available today. We have the expertise to offer this special personalized financial service to help you meet your specific goals. John V. Morin, CPA is a Trained Grangaard Strategy™ advisor. The Grangaard Strategy™ equips retirees — and those contemplating retirement — with twelve powerful principles for retirement investing during every phase of retirement, including the crucial pre-retirement years. Based on an important new asset management theory presented by renowned financial educator Paul Grangaard, this strategy explains how to maintain inflation-proof, dependable income throughout retirement, without significantly depleting retirement assets. You'll learn how to manage a retirement portfolio and to use Income Ladders to ensure a predictable lifestyle. Most important, you'll have a plan to enjoy the comfort, control, and flexibility you are looking for, so you can sleep better at night — and live better during the day.

      Learn to:

      • Replace your paycheck with retirement
      • Income Ladders
      • Calculate how much you can afford to invest in riskier, higher-return stock market investments
      • Avoid poor advice in the financial markets
      • Understand compounding, investment returns, and holding periods
      • Take advantage of tax-deferral and protect your retirement income against inflation
      • Position your 401(k) for retirement
      • Prepare a flexible plan for dealing with the unexpected

      To learn more about this strategy, please visit the Grangaard Strategy website www.thegrangaardstrategy.com or call John or Connie directly.

      We are a “fee-only” service. As CPAs, we have no insurance or investment products to sell. However, if you are looking for a referral, we do have several brokerage referral arrangements in place to assist our clients.

      Our various steps and services are:

      • Identify financial goals
      • Manage cash flows
      • Build education funds
      • Minimize income tax liability
      • Business succession planning
      • Review investment performance
      • Create an investment strategy
      • Plan retirement account distributions
      • Brokerage referrals.

      Consulting Services

      In addition to advising clients on financial, tax and estate planning matters, we can assist you with improving the value of your business and overall quality of life for you and you employees through various other services.

      • Budgeting, Forecasts and Projections:

        Planning the financial future of your business is essential. Whether you are planning to grow your existing business, venture off into other opportunities or just want to maximize your current earning potential our experienced accountants can help you plan your economic future.

      • Mergers, Acquisitions, Sales of Businesses:

        Let us make sure you get the best possible deal when you make your business decisions. Our CPA’s have been involved with many business transactions and will analyze your situation when you are ready to buy and sell business assets.

      • Litigation Support Services:

        We provide expert testimony in court cases involving financial matters. As CPA’s we are trusted to provide accurate financial information analysis and computations.

      • Management Consulting:

        Small businesses face many complex situations including organizational structure, operating procedures, employment and job responsibilities. Our consultants have years experience assisting business owners with these various types of issues.

      • Cost Analysis:

        Considering a new investment for your company? Will it pay for itself in the long run? Is it better to buy or lease? Let our consultants help you make informed business decisions. We analyze your options and alternatives and quantify outcomes so you can make the best decision for you.

        Computer Consulting

        Designing an effective and efficient information system for your business is important to the overall success of your company and quality of life for you and your employees.

        At SBGB we want to assist you through the development and implementation of your "technology solution". We specialize in how to use computers to improve the processes that your business requires.

        We provide assistance in the following areas:

        • Strategic Planning:

          Focusing on the immediate and long-term needs and wants of your company, we will develop a plan of action for the implementation of your information and accounting systems. We will offer you various alternatives to choose from and mold the plan to best fit the needs of you and your employees.

        • Implementation and Project Management:

          Following the plan of action, we will install your new hardware and software, perform data conversions, and train users.

          Miscellaneous

          QuickBooks & Quicken Consulting

          QuickBooks is an inexpensive and effective accounting software solution for small businesses. We can help you determine if QuickBooks is right for your business and assist you with the purchase and implementation of this popular software package. We offer QuickBooks setup, installation, training, and support services.

          For more information please contact Kathy Brudevold or Greg Johnson at 651-690-1040 or send an email to "kathybrudevold@sbgb.com or gjohnson@sbgb.com ".