Welcome!

I provide accounting, tax, financial services and investment planning services to individuals and businesses.

Retirement planning, education planning, risk management and so much more. I offer my clients a multi-faceted approach to address their growing financial needs.

My Practice

I offer standard tax preparation and accounting services, as well as comprehensive investment planning. In addition to preparing and filing your tax return, I can help develop a plan that takes into account your financial circumstances and tax status, and considers your college, retirement and estate planning goals.

Services

Taxes

I provide the following tax services to individuals and businesses: tax planning, federal and state tax preparation, and standard and electronic tax filing.

Financial Services

I can provide you with valuable information to help you make important financial decisions, such as planning for retirement, buying a home, financing a college education, or investing for your family's future.

Retirement Planning

People entering retirement are facing new concerns. As healthcare is improving and life expectancies rise, you are likely to live longer during retirement than past generations. Unlike your parents who likely had their retirement funded mostly with guarantees made by their employers and the government, the assets you have accumulated may be your primary source of cash flow. I can partner with you to create a plan considering the level of assets needed to fund your vision of retirement including likely income needs, potential tax implications and risks that can stand in the way of realizing your vision.

Education Planning

Funding your child's education may be one of the most important expenses you will face. A college education can greatly increase your child's earning potential over a lifetime. However, the longer you delay starting a college savings plan, the more money you may have to save. Although the most important considerations in choosing a college program are educational, there are financial ones as well. With my help, you and your family can help understand the costs of a college education and evaluate ways to help you start saving today.

Legacy Planning

A legacy plan ensures that what you want to happen will happen at the time of your passing. Without a good plan, the government may be in a position of dividing your assets between members of your family and may not make the same decisions you would. Also, your family may be forced to give up a substantial portion of their inheritance to taxes, causing significant financial burden during an emotionally devastating time. I can help you create a plan that minimizes the estate taxes that may be incurred and maximizing the amount of money going to your family so they don’t have to guess what you would have wanted.

Professional Money Management

Through H.D. Vest Advisory ServicesSM, I am able to offer my clients access to several professional money management programs that provide access to many fund managers managing separate client accounts via a wrap-fee arrangement.

Investment Management

Together, we can create an investment strategy that is designed just for you with your unique goals and needs in mind. I will build an investment plan that considers your investment goals, comfort level, expectations, and the effect of taxes on your portfolio. Because investment management is something that should be adjusted as your goals evolve and your portfolio changes, I will work with you on an ongoing basis to monitor your portfolio and rebalance it as needed.

Cash Flow and Debt Management

Without a clear picture of what money is flowing in and out each month, it is impossible to make informed decisions with respect to the other wealth management issues that affect you. Your debt level and credit history are also important barometers of your financial health. Good debt management ensures you have credit when you need it, make wise borrowing decisions, and avoid disaster if you become overextended. We can identify where your cash is going each month and evaluate potential opportunities to improve your cash flow through tax strategies and debt management.

Family Risk Management

Even the best investment plans can crumble if you have not properly prepared for the unexpected – risks that exist for every family such as disability, death, or a long-term-care need. I can evaluate your current risk plans to determine if they are adequately meeting your needs at this stage of your life and as you plan for the future. I will make suggestions that not only address your risk management needs but also consider the tax implication of these changes.

Special Situations Planning

Throughout your life, as you pursue your long-term goals, some expected and unexpected needs will come your way, whether it is planning for a wedding, taking a spur-of-the-moment dream vacation, deciding to buy a second home or facing unexpected expenses due to unforeseen events. I am here to help you with situations that don’t always fit nicely into the other wealth management issues and determine a path to monitor your tax situation and get you through whatever financial challenges and opportunities arise.

Additional Services

  • Annuities
  • Stocks
  • Mutual Funds
  • Bonds
  • Life Insurance
  • Managed Accounts
  • Business Banking
  • Long-Term Care
  • Accounting services
  • Business consulting
  • Standard Tax Filing
  • Business Federal and State Tax Preparation
  • IRAs
  • Purchases and Sales of Businesses
  • Payroll reporting
  • Accounting consulting
  • SEPs
  • Corporations
  • Electronic Tax Filing
  • Business Technology Assessments and Planning
  • Litigation Support for Divorces
  • Rollovers
  • Elder Care Budget and Accounting Management
  • S-Corporations
  • Business Audits
  • Individual Tax Planning
  • Individual Audits
  • Business Bookkeeping
  • Small business consulting
  • Estate and Gift Tax Planning
  • Partnerships
  • Individual Federal and State Tax Preparation
  • Trusts
  • Business startup
  • Business Valuations
  • SIMPLEs
  • Limited Liability Companies
  • Estate Liquidation
  • Long-Range Business Planning
  • Roth IRAs
  • Business Tax Planning
  • Long-Range Personal Planning

About Me

Designations

CIA - Certified Internal Auditor

CPA - Certified Public Accountant

Affiliations

American Institute of Certified Public Accountants
Pennsylvania Institute of Certified Public Accountants
Institute of Internal Auditors

Licenses

Securities
  • Exams: 6, 63, 65, 7
  • States: CA, MA, NC, NV, PA
Insurance
  • License: Life, Health , VA and VL
  • States: NC
  • License: VL/VA, A&H, Life/Fixed Ann
  • States: PA
Advisory
  • License: Investment Advisor Representative
  • States: NC, PA

Resources

Advisory Services

Investor Resources



Need more information on investing? Visit these sites for more information:

About H.D. Vest

Since its inception in 1983, H.D. Vest Financial Services supports an independent network of tax and non-tax professionals who provide comprehensive financial planning solutions, including securities, insurance, money management services and banking solutions. Approximately 4,600 independent contractors manage over $30 billion in assets for some 1.8 million individuals, families and small businesses in all 50 states. President Roger Ochs continues to pursue the H.D. Vest ideal of providing innovative solutions and the latest tools and technology to help H.D. Vest Advisors meet the needs of their clients now and into the future.
http://www.hdvest.com

Contact

Dean Ponterio
180 Clairton Blvd.
Pittsburgh, PA 15236

Email: PonterioD@hdvest.net
Phone: 412-655-7071
Fax: 412-655-7072