Services for Individuals

Wealth and financial success are best achieved when you use a long-term approach to decision making. Frank C. Spencer, CPA constantly monitors the latest taxation and economic developments in order to help you make the best financial decisions. Through its Registered Investment Advisor affiliate Wilton Financial Planning, LLC, you will receive the personal attention of an ethical, skilled, fee-only Certified Financial Planner™ and not simply a sales person.

Income Tax Planning and Preparation

Preparing and filing tax returns is part of the American system. Unless your finances are very simple, it's usually best to use a licensed professional to prepare your returns. Many times people prepare their own returns with tax software and waste thousands of dollars because, although the return appeared fine, the taxpayer overlooked potential deductions because they were unaware of them. You have my personal guarantee that you will save more in your taxes and time than the fee you will be charged. The very first client who paid and trusted Frank Spencer to prepare their income taxes in 1982 is still a satisfied client today. You will receive that same service built on competence, trust, and concern for your financial well-being.

Frank C. Spencer, CPA has the capability to prepare any tax return for all 50 states including individual, estate, trust, and gift tax returns. The practice has extensive research capabilities. Your tax returns can be filed electronically for no additional fee.

In the event you have a disagreement with the Internal Revenue Service or other taxing authority, we are authorized to act on your behalf as your representative. Frank C. Spencer, CPA is qualified to resolve disputes for you at whatever level your issue requires. You have worked hard for your money and have the right not to pay any more tax than required by law. Frank C. Spencer, CPA will work hard for you.

Although essential, tax compliance is not where you will save the most money. For people with significant financial resources such as real estate, investment portfolios, stock options, retirement plans, or have international tax issues, the time to consult with us is before making transactions. This includes buying or selling a home, borrowing, planning for education, divorce issues, or planning for retirement. We can also help you plan for the Alternative Minimum Tax.

Financial Planning On A Fee-Only Hourly Basis

Have you ever wondered how you will be able to buy a house, educate your child, attain your retirement goals, or reach other life goals? Proper financial planning can help you maximize your financial potential. Financial planning is the process of meeting your life goals through the proper management of your finances.

Your concerns regarding your retirement goals are very important to us. We encourage everyone to meet with an objective advisor in order to ascertain the status of their progress towards a financially secure retirement. We can assess your current financial condition and help you implement a sound strategic plan to reach your desired goal. You will be counseled in proper allocation of your resources and shown how to maximize retirement vehicle options for growth, security and tax savings. We will meet with you on a regular basis and whenever you have a change in your life such as marriage or a new career position in order to monitor your progress towards your goal and make any necessary modifications to your plan.

If you are already retired we can help you minimize income and estate taxes, manage cash flow and allocate your assets.

The process involves gathering relevant information, setting goals, examining your current financial status and developing a strategy for how you can meet your goals given your current situation and future plans.

Financial planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances. By viewing each decision as part of a whole, you can consider its short and long-term effects on your life goals. You can adapt more easily to life changes and feel more secure that your goals are on track.

Objective Advice: All Services are Fee-Only, No Commission

Very few professional advisors know more about a client’s finances than their accountant. By choosing to work with a professional who has the training of both a licensed CPA and a CFP® certificant, your overall financial condition will improve. By using the objective financial planning services on a fee-only, no commission basis you can be assured that your financial well-being is the first priority. Wilton Financial Planning, LLC helps coordinate a team of professionals who are dedicated to serving you.

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