Pignatare & Sagan LLC

Complete Financial Planning Services

Personal and Business Consulting

A professional in our firm is always available to sit down with the client and analyze the present financial situation of the company and/or the individual and improve their present situation.

Managing Your Money

Are you having trouble in meeting your monthly bills? Are you wondering where all your money went? A professional at Pignatare & Sagan can help you. We will analyze your financial condition and assemble a plan for managing your cash flow on a periodic basis.

Retirement Planning

Social Security should only be a portion of the income you will need upon reaching retirement age. It is important to have other retirement plans and other sources of income you can depend on in the later years. With proper planning, you can make your retirement years more comfortable.

Business Purchase, Sale or Financing

Our professional staff is available to assist you in purchasing or selling a business. Our firm has close relationships with a number of banks and lending institutions that can help you finance the purchase of a new business or refinance your existing business.

Other Services Provided on Request

Litigation Support Service

Information Technology Services

Our firm offers a wide range of services to our individual and business clients. Because our firm is relatively small, our clients benefit by getting personalized, quality service that is beyond comparison. Below we have listed the services that we offer to our clients along with a brief description.

As the list below is by no means all-inclusive, please feel free to inquire about a service if you do not see it listed. If it is not a service we provide, we would be more than happy to refer you to a qualified professional.

Successful businesses and high net worth individuals need proper planning to minimize future taxes, maximize their assets and help them meet their needs.

For business, individual and estate planning needs, please consider setting up a meeting with Pignatare & Sagan LLC. Proper tax planning can minimize or eliminate taxes and save taxpayers their hard earned money.

(Click the Services below for more information)

Business Services	Services for Individuals
Tax planning and tax return preparation	Estate planning
Financial statement preparation	Tax return preparation and planning
Business start-up expansions	Estate and trust preparation
Loan packages including SBA and minority loans	Financial statement preparation
Computer consulting-hardware and software	Educational planning
Computerized accounting and bookkeeping	Debt consolidation
Projections, pro forma financial statements and business valuations
Business acquisitions and dispositions
Budget preparation, leasing versus buying analysis
Diversification of business lines offered

Tax Planning and Tax Return Preparation

We help our clients plan for the year-end taxes and prepare returns for all entity types. The following is a list (not all inclusive) of tax returns we prepare for our clients.

Corporation (Closely Held Companies)	Gift Tax
Sub Chapter S Corporations	Non-Profits
L.L.C's	Payroll
Partnerships	Meals and Liquor Tax
Individuals	Sales Tax
Trusts
Estates

Financial Statement Preparation

We provide renewed and compiled financial statements for our clients, area banks and other lending sources for our clients.

Computerized Accounting and Bookkeeping

Small businesses should maintain their records on a periodic basis. The frequency of the services our firm provides depends on the size of the particular business and the frequency of transactions. Usually, records are kept on a monthly or quarterly basis. Computerized bookkeeping helps our firm and the client to understand its costs, business cycles and cash flows. Also, our firm can assist the client with better tax planning when the records of the client are kept up to date. Monitoring the bottom line should be a priority of every small business, especially in today's economic environment.

Using state of the art software, we prepare returns for individuals located throughout the United States. Our personal tax practice is one of the fastest growing tax practices in the state of Massachusetts. Also, we prepare various types of tax returns for over 300 small businesses.