We are a Certified Public Accounting firm with many years of experience providing reliable and personalized accounting, tax, and advisory services to individuals and small businesses. Our comprehensive offerings include tax preparation, strategic tax planning, and financial consulting designed to help clients achieve long-term financial success.

Our expertise spans a wide range of services, including bookkeeping and write-up work, QuickBooks consulting, and preparation of various tax returns—covering sales, payroll, property, individual, partnership, corporate, nonprofit, estate, gift, and trust taxes. We also offer professional representation before the IRS and other governmental agencies, helping clients resolve tax issues with confidence and clarity.

We are deeply committed to supporting both individuals and small business owners, and we invite you to take advantage of a free, no-obligation consultation to discuss your accounting, tax, or business needs. Let us help you navigate your financial journey with trusted guidance and personalized solutions.

We work closely with you to develop a comprehensive investment strategy tailored to your unique financial goals. Our planning process considers key factors such as your investment objectives, risk tolerance, time horizon, expected rate of return, and overall financial situation. Every portfolio is managed with a focus on long-term success, stability, and alignment with your personal values.

Our diverse range of products and services includes:

• • Advisory Services – Ongoing financial guidance and portfolio management.
  • Individual Retirement Accounts (IRAs) – Traditional, Roth, and rollover options.
  • 401(k) Retirement Plans – Employer-sponsored retirement solutions.
  • SEP & SIMPLE Retirement Plans – Retirement plans for self-employed individuals and small businesses.
  • Equities – Direct investment in publicly traded companies.
  • Mutual Funds – Professionally managed investment portfolios.
  • Bond Portfolios – Fixed-income strategies for income and stability.
  • Exchange-Traded Funds (ETFs) – Flexible, low-cost investment options.
  • Alternative Investments – Diversification through non-traditional assets.
  • 529 Qualified Tuition Plans – Tax-advantaged savings for education expenses.
  • Annuities – Income-generating products for retirement planning.
  • Life Insurance – Protection for your family and estate.
  • Long-Term Care Insurance – Coverage for extended care needs.
  • 1031 Like-Kind Exchange Consulting – Tax-deferral strategies for real estate investors.

Effective retirement planning involves building wealth during your working years to ensure your future cash flow needs are met—without depleting your principal. We assess your current financial position, project the income you’ll likely require in retirement, and guide you in making informed decisions to help you achieve the lifestyle you envision.

For business owners, retirement plans not only offer valuable tax advantages but also serve as powerful tools for attracting and retaining top talent.

Estate planning is the process of creating and executing a comprehensive strategy for managing and distributing your assets both during your lifetime and after your death. We provide guidance on minimizing estate taxes through tools such as trusts, strategic gifting, and other effective planning techniques.

Insurance Planning for Asset Protection

Insurance plays a vital role in safeguarding your financial well-being and protecting the assets you’ve worked hard to build. Thoughtful insurance decisions should take into account your health, family dynamics, age, and overall financial situation. A well-designed insurance strategy can provide peace of mind and help shield your loved ones from the financial impact of unexpected life events.

We offer a range of insurance products designed to meet diverse needs and life stages, including:

• Life Insurance – Protect your family’s future and provide financial security in the event of your passing.
• Long-Term Care Insurance – Prepare for the possibility of extended care needs and preserve your assets.
• Disability Insurance – Ensure income protection if you’re unable to work due to illness or injury.
• Annuities – Create a reliable stream of income for retirement and enhance long-term financial stability.

Please note: Some insurance products and services provided by Zachary Gerrells are not offered through Dempsey Lord Smith, LLC.