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Personal Financial Planning

"If you don't know where you are going, you'll end up someplace else."  -Yogi Berra

Your financial well-being and resilience are vital to protecting what matters most to you, your family, and close relationships.  Despite the political, social and economic volatility in today's e-driven marketplace, Waters CPA Group can help you devise a plan and stay on course, ensuring that you do not leave your personal financial planning and wealth management to chance.  

Our highly credentialed and experienced team of accountants and business consultants has one common goal—helping you realize your financial objectives while protecting you from harm.

WCPA specializes in tax planning and preparation, retirement planning, elder care services, estate planning, and education planning.  Additionally, our firm is well-versed in international tax issues, IRS audits, and state audits.


 Tax Planning & Preparation

At WCPA, we listen to your needs and employ a partnership approach to tax planning and preparation.

Tax planning is an essential element in your overall financial wellness.  Likewise, our experienced tax professionals view this deliberate process as a year-round commitment to strengthening your long-term financial position.

WCPA takes a proactive, tailored approach to tax planning and preparation, identifying those opportunities that will minimize both your current and future tax liabilities.

Our tax services include:

  • Individual Tax Planning & Preparation
  • Federal Taxes
  • State and Local Taxes
  • Non Resident State Tax Return Preparation
  • IRS Representation
  • State Tax Representation

For more information, or a free initial consultation on Tax Planning and Preparation Services, please contact us directly at 813-855-4461.



 
Retirement Planning

Regardless of your age or stage in your career, now is the time to evaluate your financial plans for retirement.

It is important to conduct an unbiased assessment of your current financial situation and to ascertain the level of financial independence you seek upon retirement.  Often, people underestimate their financial needs during retirement; thus, our goal is to ensure you create a retirement portfolio built to last!

Many different variables can both positively and negatively impact your retirement nest egg, such as desired lifestyle, social security benefits, current retirement savings, estimated years to retirement, inflation rates, and rate of return on investment.  WCPA can assist you in navigating these variables to create a retirement plan to adequately fund your future needs today.

WCPA has the expertise to help you with a current financial assessment and provide guidance on the development of both your short- and long-term retirement goals.  Areas for consideration include:

  • Traditional and Roth IRAs
  • Conversion
  • Education
  • Qualified and Non-qualified Plans {401(k), 457, 403(b), SIMPLE programs}
  • ERISA Audits
  • 5500 Information Returns
  • Qualified Plan Distributions
  • IRA Required Minimum Distribution
  • Social Security Benefits
  • Early Retirement Planning

For more information, or a free initial consultation on our Retirement Planning Services, please contact us directly at 813-855-4461.



 
Elder Care Services

If you are concerned about the financial well being of an elderly family member or loved one--WCPA’s goal is to minimize the financial uncertainty that may lie ahead.

Empowering our clients to make informed financial planning decisions for elderly family members in a trusting and supportive environment is critically important to us.

We offer a broad range of tax, accounting and financial planning support related to Elder Care. Our professional staff can provide you with expertise in the following areas:

  • Guardianship Accounting
  • Long Term Care
  • Medical Concerns
  • Medicaid
  • Social Security Issues
  • Tax and Accounting 

For more information, or a free initial consultation on our Elder Care Services, please contact us directly at 813-855-4461.


 
Estate Planning

Estate Planning is one of the most important steps in planning for a secure financial future for both you and your family.  Estate planning is much more than the exercise of creating a will—it is about proactively managing your future assets today and ensuring your future concerns are executed according to your desires—not those of someone else.

Effective estate planning ensures:

  • Asset distribution according to your wishes,
  • Minimization of estate and gift taxes, and...
  • Reduction of probate related delays

WCPA can guide you through the estate planning process, leveraging our Estate & Gift Planning tax expertise to ensure your heirs are not burdened with unanticipated tax and legal issues.

Services provided include:

  • Business Succession
  • Charitable Contributions
  • Disclaimers
  • Deferred Gifting
  • Estate Liquidity
  • Estate Planning for the Retired
  • Estate Tax Return Preparation
  • Estate Income Tax Return Preparation
  • Family Limited Partnership
  • Family Trust
  • Foundations
  • Generation Skipping Tax and Second Generation Planning
  • Gifting
  • Gift Tax Return Preparation
  • Lifetime Giving
  • Post-mortem Planning
  • Planning for the Second Generation
  • Reducing Estate Taxes through the Marital Deduction and Credit Shelter

For more information, or a free initial consultation on our Estate Planning Services, please contact us directly at 813-855-4461.

 


 
Education Planning

Trends in College Pricing estimates the tuition and expenses for four years at a private college and public in-state college are $326,000 and $150,000, respectively.

The continuing rise in tuition is a certainty.  Therefore, planning for your child’s education should be more than an after thought. Education planning is integral to your overall financial planning strategy.

It is never too late to begin planning for your child’s college education.  WCPA can assist you with getting started and creating a sound and customized education savings strategy based on your current financial situation, risk tolerance, and investment horizon.  Our advisors can support you in making important decisions on the right investment vehicles, such as state-sponsored 529 College Savings Programs, education savings accounts or custodial accounts.  Options include:

  • 529 Plans
  • Roth IRA
  • Cloverdell Education Savings Account
  • Savings Bonds Interest Exclusion
  • Student Loan Interest Deduction
  • Tuition and Fees Deduction

For more information, or a free initial consultation on our Education Planning Services, please contact us directly at 813-855-4461.

 




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