R F Joyce, CPA


R F Joyce, CPA


R F Joyce, CPA provides a wide range of services to individuals and businesses in a variety of industries. At R F Joyce, CPA, we strive to meet each client's specific needs in planning for the future and achieving their goals in an ever-changing financial and tax environment. Our professional services include:

Tax Planning and Preparation

It has been proven time and again that professional tax planning will help you save on taxes. We can devise tax strategies that insure that you and/or your business are paying only what is legally necessary. We keep current on the ever changing tax laws and pass this information on to our clients as well as make recommendations to enable you to take full advantage of all the tax law changes that may affect you. We prepare all the necessary forms, filings and returns as well. We take the time to explain your tax returns so that you have a complete understanding of what is being filed. We then make recommendations for any future tax savings.

Bookkeeping and Accounting Services

Accurate record keeping is essential to a successful business yet can be complicated and time consuming. R F Joyce, CPA, can provide you with the day-to-day tasks of bookkeeping so that you can focus on your core business. We also provide you with accurate record-keeping and financial reporting in a timely manner. We can also aid you in establishing general ledger account setup as well as maintain your books and records, reconcile your bank accounts and provide you with the periodic financial statements and other helpful reports you need to monitor your business growth.

These services include, but are not limited to:

General ledger and financial statement preparation
Bookkeeping (Monthly, quarterly, or annual)
General ledger account setup
Cash flow budgeting and forecasting
Personal financial statements
We can provide you with individual or business financial statements.

Estate and Trust Planning and Tax Preparation

Effective estate and trust planning can ensure financial security for loved ones. For businesses, it can maintain a smooth succession of ownership. R F Joyce, CPA can help you navigate the complex and changing tax laws to facilitate the transfer of assets and minimize the tax liability of your beneficiaries. Everyone should have a well thought out plan as to how to disburse one's estate so as to avoid complications and to be sure your wishes are followed. We will help to ensure that your estate pays the least amount of taxes as possible. A comprehensive program which includes an analysis of net worth, investment review, family gifting and family business transfers is available to assist in maximizing the financial resources available to you and your heirs.

Financial Planning

Financial Planning encompasses many different areas such as retirement planning, college planning, estate planning, investments and insurance needs, and can be complicated. Our goal at R F Joyce, CPA, is to help you sort through your finances, guide you through tough decisions and develop a plan to help you meet your financial goals, whatever they may be. Before implementing a plan, we will provide you with the tax implications of your decisions. Proper financial planning is a tough road with many choices and obstacles, at R F Joyce, CPA, you can be assured that you will not walk this road alone.

Entity Selection and Restructuring

Your business entity has a large impact on your taxes and other liabilities. From your company's inception through its growth and development, R F Joyce, CPA, can advise you on choosing an entity type and later restructuring if advantageous.

Cash Flow and Budgeting Analysis

Good cash management can improve a company's liquidity, reduce costs, and increase profitability. R F Joyce, CPA, can help you maintain optimal cash flow levels by tracking sources and uses, forecasting, and budgeting accordingly. To a business entity, cash flow is something that can make or break the business' ability to survive. We can help you analyze your spending, rebalance your budget and/or debts for an optimal cash flow to support your business' success. This balance plan would be revisited if and when there were any major changes in your business structure to ensure that you are operating at an optimal level. With our help and guidance, you will always be on top of your finances and ready for the future.

Financial Projections and Forecasts

No one can accurately predict the future, but we can all benefit from planning for it. R F Joyce, CPA, combines our expertise with your business experience to produce financial projections that can help you manage your business plans and spending. Forecasting for the future is imperative to your company's success. We make it a point to keep current with market trends and updates so that your business can be prepared for what is to come.

Debt and Finance Advising

Whether your needs are corporate or personal, R F Joyce, CPA, can assist you in sorting out the different options available for debt management and financing that can lower your payments and/or reduce the total amount of interest paid. Re-balancing your debts can also result in tax deduction savings. Our expertise may be able to help save you money and/or lower your payments.

Retirement Planning

Planning for retirement can be difficult and time consuming. There are many plans in existence today that can be used for retirement savings (i.e. 401(k), Roth IRA, Traditional IRA, SEP, etc.). Choosing the right vehicle that meets your needs can be difficult and if not done properly, can wind up costing you money during retirement when you will need it most. R F Joyce, CPA, can explain the different retirement savings vehicles available to you and guide you through the process of selecting a retirement savings plan that helps you reach your financial goals and maintain financial independence through a comfortable retirement. The road to retirement is a long one and we can help you to take the proper steps to reach your goals.

College Planning

For most people, college is the largest expense they will incur, other than a home mortgage. College tuition continues to increase at substantial rates. If you are planning on paying for your childís college education, whether private or public, it is critical that you begin the savings and planning process as soon as possible. R F Joyce, CPA, can provide you with estimates for college costs for varying years of attendance as well as provide you with the amount you need to save to cover these costs. In addition, we can explain to you the different vehicles available to you that can be used to save for college costs (i.e. 529 Plans) and the tax implications.


Whether you are an individual or a business, budgeting is critical for maintaining cash flow. R F Joyce, CPA, can help you develop and implement a budget based upon your lifestyle. We can monitor your budget with you and adjust it as your needs and/or resources change.

Employee Benefits and Withholding Allowances

Employee benefit packages can be complex and confusing. At R F Joyce, CPA, we will help to explain benefit options available to you from your employer and what impact they will have on meeting your financial goals. This will guide you in selecting the best benefits for you and your family.

In addition, we will examine your withholding allowances and help you to select which number of withholdings will not only meet the federal and state requirements, but also which number of withholdings will help to meet your personal financial goals.

Electronic Filing Capabilities

R F Joyce, CPA, offers electronic filing for federal and state tax returns. This helps to ensure a timely and efficient process for our clients.