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Commander Shea Blvd
Quincy, MA 02171
USA

617-767-1065

At Frawley Tax and Consulting Services, we understand the value of not only excellent client service, but also developing strong, lasting relationships.  We perform both individual and business tax returns and tax planning, and at very competitive rates.  We understand and appreciate the importance of building trust, and recognize the difficulty in choosing a competent CPA that you feel comfortable speaking with both candidly, and confidently.   

Our services include Individual and Business Tax return filings, including FREE tax planning based on your anticipated future tax position, to minimize your overall tax liability.  We also offer a variety of additional business services at a great value.  Whether you want to outsource your QuickBooks bookkeeping and payroll services for a reasonable price to focus on your core business, or need help with budgeting, forecasting, or marketing, we are here to help. 

Our marketing services include performing an in-depth industry and company analysis, developing a marketing plan, creating an integrated website, brochures, business cards, company logo, and more.

 

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Insurance Planning

Insurance Planning Certified Financial Planner (CFP) candidate and CPA now offering financial advising services, including Insurance Planning. 

INSURANCE PLANNING

 

Let's face it.  No one loves to talk about insurance, but it can be the key to a sound financial plan.  You've worked hard for yourself and your family, and it is crucial to protect yourself should the unexpected happen.  I will help you determine your insurance needs, based on your unique life situation and risk exposure.  Insurance planning not only includes life insurance, but also heath, vision, dental, disability, long-term care, business insurance, and homeowners or renters to name a few.

By analyzing your current insurance plans, any spousal and dependents needs (including college funding), we will determine the adequate amounts of various insurance coverage you should have, given your risk tolerance and family obligations.  The goal is to protect your assets and provide for your family as necessary at the lowest cost to you, given your level of risk tolerance and risk exposure.  There are numerous types of life insurance, and benefits can be paid in different ways.  I do not work for any specific insurance company, and I only work with financially strong firms to find you the best insurance product and price to fit your needs and meet your goals- only if necessary.  As your CPA and a financial advisor, I have a fiduciary duty to always put your interests above mine, and that is exactly what I do, and I pride myself on my integrity.

Partners (including unequal partners) in closely held businesses often want to maintain control of the business if one of the owners dies, instead of the shares transferring to the deceased partner's heirs.  The problem encountered by the surviving partners is coming up with the funds to purchase the deceased partner's share.  This is where life-insurance is used in a cross-purchase agreement, to ensure liquidity to buy out the deceased partner's share.  In the cross-purchase agreement, each partner or owner buys a life insurance policy on each other owner, with the amounts totally each partner's share.  This is an effective method with a small business, but the number of insurance policies required n(n-1), quickly becomes cumbersome, and costly.  Another arrangement is to enter into an entity agreement, where the business itself buys one policy on each member, and when one partner dies, the business buys his share.  Likewise, many partners will enter into a similar arrangement for the disability of an owner, which has its own set of tax consequences.     Rates and Qualifying

PLAN. ADAPT. RELAX.™

 

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