Risk & Financial Management

  1. Employee Benefits, Pension & Profit-Sharing Plans (Planning & Implementation)
  2. Long Term Planning
  3. $ Monetary Services
    A. Negotiable Instruments
    B. Mortgages
  4. Insurance
    A. Health Insurance
    B. Disability Insurance
    C. Life Insurance- Whole Life,Term, Universal Etc.
    D. Long-Term Health Care Insurance
    E. Home Owners Insurance
    F. Automobile Insurance
    G. Umbrella Liability Insurance
    H. Evaluating the Strength of Insurance Companies
  5. How to Pay for a College Education
  6. Mortgages and Home Equity Loans
    A. Real Estate & Home Loans
    B. Home Equity Loans
    C. Reverse Mortgages
  7. Credit Card Planning
  8. Getting Out Of Debt
  9. Surviving a Financial Crisis
  10. Business Restructuring
  11. Bankruptcy
  12. Other Borrowing Strategies
  13. Divorce Planning
  14. Succession Planning
  15. Shield Assets From Creditors & Liability Lawsuits
  16. Life Stages - Financial Guide

Tax & Accounting Services

  1. Business Entity Selection, Incorporation & Document Preparation
  2. Residential & Non-Resident Tax Registration & Tax ID Numbers
  3. Accounting Software Selection, Implementation, and Support
  4. Accounting Services
  5. Bookkeeping/Write-up
  6. Income Taxes-Individual, Business, Not-for-Profit, Etc
  7. Tax Forms, Organizer & Services
  8. IRS, State or Local Tax Audit or Collection Representation
  9. International Taxation
  10. Estate and Trust Planning and Tax Preparation
  11. Improving Business Performance

 Business Appraisal & Litigation Support

  1. Business Appraisal (Valuation) for Various Purposes
  2. Business Restructuring, Mergers, Acquisitions & Sale
  3. Litigation Support and Forensic Accounting
  4. Succession Planning
  5. Divorce Planning & Business Appraisal (Valuation)
  6. Estate & Trust Appraisal (Valuation)
  7. Insurance Loss Claims Representation
  8. Wrongful Death Claims Representation
  9. Fraud & Misappropriation Investigation

Financial Statements and Business Loans

  1. Business Loans
  2. Debt & Financing Advise
  3. Audits, Reviews & Compilations
  4. Business Plans
  5. Financial Projections & Forecasts
  6. Business Appraisal, Litigation Support & Forensic Accounting
  7. Disability Insurance

Elder Care & Estates

  1. Elder Care Advance Planning
  2. Estate, Gift & Trust Planning & Tax Preparation
  3. Eldercare Planning
  4. Complete Insurance Protection Package
  5. Long-term Care Insurance
  6. $ Monetary Services
  7. Business Succession Planning
  8. Business Restructuring, Mergers, Acquisitions & Business Sale
  9. Insurance Monetary Services
  10. Social Security, Medicare & Medicaid
  11. Employment Ideas
  12. International Taxation
  13. Shield Assets From Creditors & Liability Lawsuits

 

Home Owners Insurance

Use our 24 Hour Quote Preliminary Application and a qualified representative will contact you.

 

  • Structural coverage should be equal to or greater than 80 percent of the value of your home.

  • Review your homeowners coverage at least annually to be sure that it is adequate and that the coverage has been adjusted  for appreciation.

  • Coverage on furniture, personal possessions, collectibles, jewelry, etc. should be equal to their replacement cost.

  • Purchase replacement cost coverage rather than actual cash value coverage.  Obtain replacement cost coverage on the home, furniture, and personal possessions.

  • Inventory all household articles by item, description, purchase date, cost, and appraised value, if any. Consider making a video recording or taking photographs of household articles and keeping them with the inventory.  The inventory and the video recording or photographs should be kept off-site in a safe deposit box or in some other safe location.

  • Purchase a personal articles floater to insure expensive personal items, such as collections and jewelry.

  • If you own a personal computer find out whether the policy covers damage to software and hardware caused by a power surge or software virus, and theft or damage to laptops and notebooks outside your home.  If the policy doesn’t provide coverage you may be able to buy a rider that does.

  • Ask your agent to explain the details of your coverage and whether all covered items have to be included in your policy.

  • Do not purchase earthquake and flood insurance unless you are in a government- designated earthquake zone or flood plain.

  • If you are renting, purchase a tenant’s policy.

  • If you own rental property, consider purchasing an owners, tenants and landlords policy.

  • Your premiums can be reduced by raising the deductible to $500 or more.

  • Consider liability coverage of at least $300,000.

  • If you own a condominium consider obtaining coverage to help cover your responsibility as a unit owner to pay some of the homeowner association deductible or uninsured loss incurred by the association and assessed to you as a unit owner.  The loss must be a result of a peril covered under the unit owner policy.  Carefully compare your personal insurance contract with those of the association to identify possible gaps in coverage.

Main Office: 50 E Main Street, Mt. Kisco, NY 10549, Tel: 914-244-4400, Fax: 914-244-0088
Branch Office: Somers, NY 10589,  Tel: 914-276-7878
help@cpasy.com
© 2010 Sy Schnur CPA/PFS, . All rights reserved.