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Solid short and long term financial plans are critical to a company achieving its goals. Structuring advantageous terms with investors and banks means that control remains in the hands of those who created the company and that the company has the resources needed to fund its growth. J & M Financial Services has the experience and expertise to help you develop and execute your financial plans.

Financial Planning Services Avaialable

Financial System Development

Accounting system design & implementation / Banking & cash flow management systems

Financial reporting system design & implementation

Business Start up Development

Concept analysis & feedback / Operational plan analysis / Financial plan development / Preparation of a Business Plan

Selecting Your Appropriate Business Entity / Selection of a Banker / Selection of a Lender / Buy Analysis / Equipment /Lease

Applying for State and Federal Identification Numbers / Payroll and Payroll Tax Forms / Benefit Plans / Cash Flow Analysis

Insurance Coverage / Personnel Selection and Policies / Record Keeping and Controls / Site Selection / Cash Management

Advertising or Marketing Needs / Financial Statements / Tax Reporting and Returns / Microcomputer Needs / Credit Policies

Budget and Projections

Financial Analysis

Proforma financial statements / Comparative industry ratio analysis / Financial reporting system design & implementation

Profitability analysis / Fixed and variable cost analysis / Review & analysis of current financial situation / Revenue projections

Capital Planning / Banking & cash flow management systems / New Facility Purchases / Leasing Versus Buying Planning

Accounting system design & implementation / Direct & indirect expense budgets / Annual Budgeting / Forecasting

Bonus & Commission Plans / Supplier Selection / Business Expansion / Marketing Effectiveness

Financial Forecasting

Revenue Projections / Direct & indirect expense budgets / Cash flow forecasts / Proforma financial statements

Financial Obligation Management

Line of credit negotiation / Banking & financial resource relationship management / Lease negotiations / Workout management

Estate Planning

Estate and Gift Tax Planning / Wealth Transfer Planning / Special needs trusts / Family Limited Partnerships

Retirement Planning / Charitable Remainder Trusts Grantor / Retained Annuity Trusts / Personal Financial Planning

Charitable remainder trusts / Survivor Income Planning / Investment Planning / Disability Income Planning / living wills

Other irrevocable trusts / Preparation of Will / Living Trusts Planning / charitable gifting / probate services / guardianship

powers of attorney / Wealth replacement trusts / trust administrative issues / litigation Referrals / transfer of family businesses

Investment Planning Services

Investment Planning / Financial security analysis / Educational funding analysis / Income tax analysis / investment action plan

Disability income analysis / retirement benefit analysis / Estate planning - hypothetical probate

diversified, tax-efficient portfolio / long-term asset allocation plans

Retirement Planning Services

Living Expense Planning / Forecasting Savings / Estimating Safe Retirement Dates / Mutual Funds / Roth IRA

Planning Distributions of retirement Plan / Individual Retirement Accounts (IRAs) / Certificates of Deposit (CDs)

Annuities SEP / Keogh / Corporate Retirement Plan

Company Information / Accounting Services / Bookkeeping Services / Financial Management / Contacts Management

Human Resource Management / Debt Consolidation Services / Meeting Planning Services / Marketing Services

Public Relations / Secretarial Services / TeleCommunications / Travel Services / Insurance Servics / Loan & Credit Services

Start - up Services / Business Market Place /Shopping Center

For additional information please email us at send us email