Enrolling for Medicare: A Primer

SJ Gorowitz Morgan Stanley Medicare Primer

The complexity of Medicare and the myriad options enrollees face can be daunting. Here are some pointers on how to go about enrolling for Medicare, and suggestions on different alternatives such as working with a Medicare advisor. As any American over 65 knows, signing up for Medicare is not simple. There are four different parts, each with different options that can have widely divergent effects on costs and coverage. Enrollees may also wish to supplement their Medicare with private coverage. If you are approaching that landmark birthday, consider the following pointers to guide you through the enrollment process. Start by determining whether you’ll continue to have group coverage through an employer or association. This is an especially important first step for anyone who continues to work past age 65 or who can be covered by a spouse who continues to work. While not all private group plans allow people to keep their coverage after age 65, those that do could help give you … [Read more...]

Turning CAS Technology Into Profits

SJ Gorowitz CAS Technology

Technology has changed the way we live, work and conduct business. (We’re not telling you anything you don’t know.) Client Accounting Services (CAS) technologies have revolutionized the way that you can apply digitalization, virtualization and transformation to increase profits. By leveraging the cloud, SJG utilizes CAS technology to enable us to utilize safe virtual access to accounting records and other key financials, including banking records, payroll or anything else needed to complete your financial processes. With permission, we can securely transmit and download vital financial data, freeing you from the tedious task of having to rekey information. The result is timelier information, lower overall costs and more time to focus on strategic business initiatives. Outsourcing these services can be easier and less costly, provide access to a higher level of expertise, and eliminate the struggle many middle-market companies face trying to hire and maintain good talent. Your … [Read more...]

Five Signs You’ve Outgrown Your CPA

S.J. Gorowitz Accounting Tax CPA Alpharetta

Finding the right CPA can make a world of difference to your financial and mental wellbeing. This is a working relationship built on trust, credibility, business style and even personality type. A lasting partnership can provide you with informed, consistent support for your business and personal finances. But what happens if the relationship goes awry? Here are the top five signs that you may have outgrown your CPA. 5.  You find mistakes on your accounting and/or tax returns and get excuses. 4.  You always get voicemail when you call. 3.  Your QuickBooks file has not been adjusted to agree with your tax returns. 2.  You know deep down that your CPA probably should have retired years ago and may not be keeping up with tax law changes. The number one sign that you’ve outgrown your CPA - your tax returns are completed on October 15, regardless of when you provide the information.   If you suspect that your CPA is not working in your best interest or that you've … [Read more...]