By customizing your financial plan (your Life Plan) to your particular needs, CERTIFIED FINANCIAL PLANNER ^TM, Daniel F. Massucci, can assist in managing and conserving your wealth while minimizing taxes. In our comprehensive life planning process, you receive hands-on, personalized attention from knowledgeable, experienced professionals who can devise the most efficient plan at the most cost-effective fee, including: 

• Identify family goals regarding preservation of family wealth, retirement & education. 
• Assist with the budgeting process, including automation and the integration of software such as Quicken. 
• Assist with retirement planning and needs analysis. 
• Develop an investment plan consistent with your overall Life Plan, goals and objectives.
• Provide investment services to implement plan strategies, including the use of mutual funds, bonds and fixed income instruments to achieve desired asset allocation goals.
• Assist with education planning.
• Review insurance and risk issues to assure coverage and plans are adequate.
• Estate and trust strategies, planning and administration.
• Plan for assets with unique estate tax attributes, including retirement plan and life insurance benefits.
• Identify potential liquidity problems caused by federal and state estate taxes, generation-skipping transfer tax, debts, cash bequests, necessary funds for the continued operation of the family business, probate, administration costs, etc.
• Develop a lifetime gift program utilizing appropriate vehicles such as family limited partnerships, charitable trusts, and qualified personal residence trusts.
• Help you communicate and discuss your plan with your family to ensure there is a mutual understanding of your plan and a commitment to it. 
• Ensure the proper implementation of the estate plan .
• Estate & Probate planning & administration to ensure your secure financial future, to protect your assets into the future, to guide wealth transfer and to assist with optimal compliance and minimization of taxes, fees and costs associated with Federal, State and local Estate & Probate filings.
• Reduce and plan for income and estate taxes.
• Review current wills, trust instruments, and schedules of assets.
• Review various alternatives to the current estate plans and quantify potential tax savings.
• Business Succession & Estate Planning based not only on maximizing financial savings but also on meeting your family’s and business’s goals and objectives for the future.
• Examine closely held business issues, including valuation, alternative methods of paying estate tax, and the transfer and/or disposition of business interests.

Tax preparation and accounting services provided by Massucci & Associates are separate and unrelated to Commonwealth.

Massucci & Associates places considerable focus on planning as the basis for providing valuable services to our clients. We offer a complete range of planning services, including:  Business planning for strategic planning and financing requirements Planning for optimal tax cash flows and elimination of tax-related penalties and interest Financial planning to assist with budget control, goal achievement, education and retirement planning, and other planning areas Fiscal year business planning Business retirement planning.

Tax preparation and accounting services provided by Massucci & Associates are separate and unrelated to Commonwealth.

Our experienced business consulting team can help you.  prepare a detailed written document describing your current operations and future business prospects and plans.  Process Improvement and Expense Analysis  Business system and process consulting services including procedure and internal systems analysis, modification, optimization, documentation and review & expense and profitability review, cost reduction and profitability optimization and improvement projects.

Tax preparation and accounting services provided by Massucci & Associates are separate and unrelated to Commonwealth.

• Process Improvement and Expense Analysis.
• Business system and process consulting services, including procedure and internal systems analysis, modification, optimization, documentation and review.
• Expense and profitability review.
• Cost reduction and profitability optimization.

[bupro_appointment]