Our Services

Expertise - Peace of Mind - Courtesy of LOCK ~ SPIOT TAX & FINANCIAL SERVICES

Accurate, timely accounting information is vital for any successful individual, family and / or business / farm entity. Our experienced, knowledgeable staff is ready and waiting to provide you with exceptional personalized service, whether you need it on a temporary or ongoing basis.

Here are just some of the specialized services available to LOCK ~ SPIOT TAX & FINANCIAL SERVICES clients:

• Individual Tax Return Preparation
• Business Tax Return Preparation
• Bookkeeping / Accounting Services
• Payroll Services
• Financial Planning Services Linkage via association with CG Financial Services
• Tax Planning
   

Individual Tax Return Preparation Individual Tax Return Preparation 

We view our relationships with our clients as ongoing partnerships, and we pledge to provide you with quality, up-to-date tax return preparation and advice, whatever your tax planning and preparation needs.  And our dedication to you doesn't stop after April 15. All through the year, we keep up-to-date on current tax laws to minimize your tax liabilities and to maximize your future opportunities.

Business Start-up and Tax Return Preparation Services

Small Business Specialist - Especially Startups. Confused about how to: setup your books? pay employees? maintain files? We can help. Whether your business is a Sole Proprietorship, Partnership, Limited Liability Company, S Corporation or a Full Corporation, we'll explain the tax planning aspects of each. We also offer: Business Tax Preparation / Tax Planning; Financial Services; QuickBooks Training and Complete Business Consultation. Fifty-one year in business. 

Bookkeeping

Timely, efficient bookkeeping services are available for businesses of all sizes. Computerized accounts are prepared, saved and presented for client review on a monthly, quarterly, and / or annual basis. Budgeting and forecasting support are also available. We support all major accounting programs including Quickbooks and Peachtree.

Payroll Services

Total payroll services for small business clients have been provided for many years. Services include: Set up and maintenance of all records, time card tabulations, withholdings of tax and benefit contributions, federal and state tax filings, issuance of checks and preparation of all W-2's and 1099 forms.

Tax & Financial Planning Services

To effectively manage financial affairs, you need three things: extensive knowledge, meticulous organization, and constant vigilance. LOCK ~ SPIOT TAX & FINANCIAL SERVICES provides all that and more, thanks to a complete range of consulting and advisory services to help you sort through the complexities of financial planning that is provided through our association with CG Financial Services

We're proactive in serving each client's needs, providing helpful information and access to a wealth of resources on a regular basis.

Our financial planning services include:

• Investment Consulting
• Financial Planning to Achieve Specific Goals      
• Retirement Planning
• Estate and Business Succession Planning
• Health & Life Insurance Consulting

The following provides a summary of our firm's  association / affiliation with CG Financial Services  and our five step approach to provide the strategies and responsiveness to make your money work for you for a secure future includes:

1. INVESTMENT MANAGEMENT - Through our sound investment strategies and extensive experience, CG Financial Services and LOCK ~ SPIOT TAX & FINANCIAL SERVICES can help you optimize your wealth and manage / minimize tax implications.
2. COMPREHENSIVE CASH FLOW ANALYSIS - The Analysis will assist you with evaluating present and future income sources and expenditures and developing strategies for reaching your goals.
3. ASSET ALLOCATION REVIEW - Reviewing your current investment positions allow us to suggest a more advantageous positioning of your assets based upon your Cash Flow Analysis goals and your current taxes.
4. RETIREMENT CONSIDERATIONS - Personal wealth plan must include provisions for a secure retirement.  To this end we will review your overall retirement objectives and make recommendations for the best way to meet them.
5. ESTATE CONSIDERATIONS - CG Financial Services and LOCK ~ SPIOT TAX & FINANCIAL SERVICES will work with you to quantify your estate and illustrate options to ensure a more optimal transfer of assets with no or minimal tax implications.               

Tax Planning

We view our relationships with our clients as ongoing partnerships, and we pledge to provide you with quality, up-to-date tax return preparation and advice, whatever your tax planning and preparation needs.  And our dedication to you doesn't stop after April 15.  All through the year, we keep up-to-date on current tax laws to minimize your tax liabilities and to maximize your future opportunities.