Debt & Finance Advising

Whether your needs are business or personal, RP Smith can assist you in sorting out the different options available for debt management and financing.

We can help you position yourself with the proper debt structure that will satisfy your lender's requirements and assure that your cash flow is adequate to meet your debt services needs.

Managing major purchases properly and understanding income tax benefits related to depreciation and financing arrangements can be complex. We can assist you in planning the tax effect of major purchases and taking advantage of the best options for financing. Both will influence the cash flow available to owners and the financial position of your company.

Consult with us prior to entering in to a major transaction so that you have a clear picture of the outcome.


Cash Flow + Budgeting Analysis

Good cash management improves liquidity, reduces costs, and increases profitability. RP Smith can help you analyze your spending and re-balance your budget and/or debts for an optimal cash flow to support your business' success.

We work with each client to develop a strategic plan to maintain optimal cash flow levels by tracking sources and uses, forecasting, and budgeting accordingly.

Financial Projections & Forecasts

No one can predict the future, but we all benefit from planning for it. RP Smith combines expertise and experience with a gained understanding of your business to produce financial projections that help you manage your business plan and spending.

Forecasting for the future is imperative to your company's success. We strive to gain a complete understanding of your business opportunities and challenges so that we can be your coach and advocate.

Estate & Trust Planning + Tax Preparation

Effective estate and trust planning can ensure financial security for loved ones. For businesses, it can maintain a smooth succession of ownership. RP Smith can help you navigate the complex and shifting tax laws to facilitate the transfer of assets and minimize the tax liability of your beneficiaries.

Understanding your goals and team work with you and your legal counsel will ensure that your loved ones have fewer complications to deal with during a time of loss.

Financial & Retirement Planning

Our goal is to help you reach your financial goals and maintain financial independence through a comfortable retirement. RP Smith can guide you through tough decision-making processes such as asset allocation, investment performance monitoring, college education funding, retirement plans, insurance, tax, estate, and business succession planning.

Whether you are developing an investment strategy or evaluating current investments, RP Smith will help ensure that your portfolio accounts for all possible tax implications to deliver an advantageous after-tax return. The road to retirement is a long one and we can help you to take the proper steps to reach your goals.