Shore Tax & Financial Planning

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Shore Tax & Financial Planning No annoying advisory and financial lingo. Just straight, authoritative and friendly advice. What makes us different?

Visit us: www.shorefp.com
Or give us a call: (732) 704-8982

Schedule Your FREE Tax Strategy Meeting, First Website Link In Bio! Financial Planning from a CFP® professional+ Tax Planning from a CPA

Shore Financial Planning offers the unique combination of comprehensive financial planning and advanced tax strategies under the same roof. This allows us to provide coordinated advice on taxes, investment management, retirement planning, insurance, estate planning, cash flow planning, college funding, and business planning. It allows our clients to have all aspects of their financial lives managed in one place, by one trusted fiduciary. CPA Tax Focus
Taxes are one of your biggest expenses. We plan and prepare taxes for clients and provide comprehensive tax advice year-round. CFP® Certification
You wouldn’t hire a doctor without a medical degree, and you shouldn’t hire a financial planner who isn’t properly educated. Fiduciary
As Registered Investment Advisors, we have a fiduciary duty to act in the best interests of our clients. No Commissions
We are fee-only financial planners, meaning that we do not sell products or accept commissions. Message us on Facebook, or give us a call ((732) 704-8982) and let us use our knowledge and experience to help you. Hours of Availability
Monday - Friday: 9:00am - 5:00pm

** I will meet outside of these hours upon request to accomodate busy professionals **

100% bonus depreciation is permanent for property acquired after January 19, 2025.That means many equipment, vehicle, an...
10/26/2026

100% bonus depreciation is permanent for property acquired after January 19, 2025.

That means many equipment, vehicle, and qualifying building-component purchases can be fully expensed in year one. Section 179 remains a separate tool with a $2,560,000 cap for 2026 and an income limitation that can change your best move.

Deciding Section 179 vs. bonus depreciation before year-end matters: the order on Form 4562 and whether an asset is placed in service will change which tax year the deduction hits. Read the full breakdown on our site or schedule a year-end review with our advisors, which purchases belong on 2026 returns?

Moving for lower taxes? Read this first.Texas has no individual income tax, but the state shifts the burden to property,...
10/25/2026

Moving for lower taxes? Read this first.

Texas has no individual income tax, but the state shifts the burden to property, sales, and business levies. California still taxes wages and capital gains up to 12.30% in 2026, and residency rules are fact-based, not date-based.

Common surprises: Texas shows an effective property-tax rate near 1.40% and average combined sales tax around 8.20%. A company sale can trigger California ordinary-income rates, and "no tax due" in Texas often still requires filings.

Want a custom side-by-side for your situation? Comment which state you're in or visit our site to request a tailored estimate.

NUA can convert employer stock growth into long‑term capital gains.If you hold concentrated company stock in a 401(k), N...
10/24/2026

NUA can convert employer stock growth into long‑term capital gains.

If you hold concentrated company stock in a 401(k), NUA may let you pay ordinary income tax only on the cost basis now, and long‑term capital gains on the growth when you sell. The rules are mechanical and easy to fail if you mis-time the distribution.

Important: the distribution must be a lump‑sum from all of the employer's plans of the same kind in one tax year, and rolling the shares into an IRA eliminates NUA permanently. Run the numbers with your CPA before you instruct the plan.

Do you have concentrated employer stock and want us to model whether NUA could help you?

𝗔 $𝟱𝟬𝟬,𝟬𝟬𝟬 𝗽𝗿𝗼𝗳𝗶𝘁 𝘀𝗼𝘂𝗻𝗱𝘀 𝗽𝗿𝗲𝘁𝘁𝘆 𝗴𝗼𝗼𝗱. 𝗨𝗻𝘁𝗶𝗹 𝘁𝗵𝗲 𝗜𝗥𝗦 𝗴𝗲𝘁𝘀 𝗶𝗻𝘃𝗼𝗹𝘃𝗲𝗱.Here's something that surprises a lot of real estate i...
10/23/2026

𝗔 $𝟱𝟬𝟬,𝟬𝟬𝟬 𝗽𝗿𝗼𝗳𝗶𝘁 𝘀𝗼𝘂𝗻𝗱𝘀 𝗽𝗿𝗲𝘁𝘁𝘆 𝗴𝗼𝗼𝗱. 𝗨𝗻𝘁𝗶𝗹 𝘁𝗵𝗲 𝗜𝗥𝗦 𝗴𝗲𝘁𝘀 𝗶𝗻𝘃𝗼𝗹𝘃𝗲𝗱.

Here's something that surprises a lot of real estate investors.

You can buy a property, renovate it, sell it for a substantial profit, and discover that the IRS views your transaction very differently than you do.

Why?

Because there's a big difference between being a real estate investor and being in the business of selling real estate.

And that distinction can change how your profits are taxed.

Long-term capital gains treatment may offer significant advantages over ordinary business income treatment.

But here's the catch: 𝗝𝘂𝘀𝘁 𝗯𝗲𝗰𝗮𝘂𝘀𝗲 𝘆𝗼𝘂 𝗼𝘄𝗻𝗲𝗱 𝗮 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗳𝗼𝗿 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝗮 𝘆𝗲𝗮𝗿 𝗱𝗼𝗲𝘀𝗻'𝘁 𝗮𝘂𝘁𝗼𝗺𝗮𝘁𝗶𝗰𝗮𝗹𝗹𝘆 𝗺𝗲𝗮𝗻 𝘆𝗼𝘂 𝗾𝘂𝗮𝗹𝗶𝗳𝘆.

Your intentions, activities, and the nature of the transaction all matter.

That's why we spend so much time helping clients think through real estate transactions before they happen.

A profitable deal is great.

A profitable deal with a well-planned tax strategy? Even better.

𝗦𝗵𝗼𝗿𝗲 𝗧𝗮𝘅 & 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴
CPA + CFP expertise under one roof.

Want to make sure your next real estate deal makes financial sense after taxes?

Schedule a Free 15-Minute Consultation

S corp doesn't erase your income tax. It changes which part of your income pays payroll tax, and that difference matters...
10/23/2026

S corp doesn't erase your income tax. It changes which part of your income pays payroll tax, and that difference matters only when the numbers line up.

An S corp saves Social Security and Medicare on profit above a defensible salary, but it does not lower your ordinary income tax rate. You also add payroll processing, Form 1120-S, bookkeeping and possible state costs—so the net saving can be much smaller than headline math.

Want us to run this exact worked example with your profit and a reasonable salary, or see whether an S corp is likely to pay for your business?

Most owners plan taxes at filing. That’s backwards.Proactive tax planning is a posture, not a task: you act while salary...
10/22/2026

Most owners plan taxes at filing. That’s backwards.

Proactive tax planning is a posture, not a task: you act while salary, retirement deferrals, depreciation timing, and investments can still change the bill. The article walks the 2026 limits and a practical quarterly calendar so you know when each choice matters.

For 2026 the 401(k) employee deferral is $24,500 and total annual additions cap at $72,000. S‑corp owners: contributions must be based on W‑2 pay, so salary and retirement belong in the same plan early in the year.

Which quarter will you schedule your first planning check‑in?

𝗪𝗢𝗨𝗟𝗗 𝗬𝗢𝗨 𝗣𝗔𝗬 $𝟰𝟬,𝟬𝟬𝟬 𝗙𝗢𝗥 𝗗𝗜𝗡𝗡𝗘𝗥?Of course not. Unless the appetizer comes with a beach house.But here's something worth...
10/21/2026

𝗪𝗢𝗨𝗟𝗗 𝗬𝗢𝗨 𝗣𝗔𝗬 $𝟰𝟬,𝟬𝟬𝟬 𝗙𝗢𝗥 𝗗𝗜𝗡𝗡𝗘𝗥?

Of course not. Unless the appetizer comes with a beach house.

But here's something worth thinking about...

Business owners and real estate investors make financial decisions every day that can cost them tens of thousands of dollars in unnecessary taxes.

Selling a property. Buying equipment. Choosing how to pay yourself. Making a major investment.

The problem isn't always the decision itself.

𝗜𝘁'𝘀 𝗺𝗮𝗸𝗶𝗻𝗴 𝘁𝗵𝗮𝘁 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝘁𝗵𝗲 𝘁𝗮𝘅 𝗰𝗼𝗻𝘀𝗲𝗾𝘂𝗲𝗻𝗰𝗲𝘀.
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And by the time your tax return is prepared, many opportunities to reduce that tax bill may already be gone.

At Shore Tax & Financial Planning, we combine CPA expertise with comprehensive financial planning to help you make smarter decisions BEFORE they become expensive mistakes.

𝗬𝗼𝘂𝗿 𝗻𝗲𝘅𝘁 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘄𝗼𝗿𝘁𝗵 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝘆𝗼𝘂 𝘁𝗵𝗶𝗻𝗸.

Schedule your FREE 15-minute consultation and discover where better planning could make a difference.

https://calendly.com/shorefinancialplanning/the-first-step

Section 174 changed: domestic research and experimental costs paid or incurred in tax years beginning after 12/31/2024 a...
10/21/2026

Section 174 changed: domestic research and experimental costs paid or incurred in tax years beginning after 12/31/2024 are generally deductible when incurred.

If you capitalized R&D in 2022–2024, you may still recover meaningful deductions. Options differ by business size and filing history, and the IRS published specific election procedures in IRB 2025-38.

Watch the research-credit coordination and state conformity traps before you amend or elect, and document everything carefully. Want us to review your 2022–2024 amortization balances for opportunities? Book a consult or comment below.

𝗬𝗢𝗨𝗥 𝗕𝗨𝗦𝗜𝗡𝗘𝗦𝗦 𝗜𝗦 𝗠𝗔𝗞𝗜𝗡𝗚 𝗠𝗢𝗡𝗘𝗬. 𝗕𝗨𝗧 𝗔𝗥𝗘 𝗬𝗢𝗨?Your revenue is up. You're working harder than ever. Business looks great on ...
10/20/2026

𝗬𝗢𝗨𝗥 𝗕𝗨𝗦𝗜𝗡𝗘𝗦𝗦 𝗜𝗦 𝗠𝗔𝗞𝗜𝗡𝗚 𝗠𝗢𝗡𝗘𝗬. 𝗕𝗨𝗧 𝗔𝗥𝗘 𝗬𝗢𝗨?

Your revenue is up. You're working harder than ever. Business looks great on paper.

So why doesn't your bank account reflect all that success?

Here's what many business owners overlook:

1. Taxes: You could be paying more than necessary because you're not planning ahead.

2. Cash Flow: More revenue doesn't always mean more money in your pocket.

3. Investments: You're reinvesting in your business, but are you building wealth outside of it?

4. Retirement: You have a plan to grow your business. Do you have a plan to eventually stop working?

5. Financial Decisions: Are you looking at the big picture before making major financial commitments?

𝗬𝗼𝘂 𝗱𝗶𝗱𝗻'𝘁 𝘀𝘁𝗮𝗿𝘁 𝗮 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗷𝘂𝘀𝘁 𝘁𝗼 𝗰𝗿𝗲𝗮𝘁𝗲 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝗷𝗼𝗯 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳.

You started it to create opportunities, security, and a better future.

But working harder isn't always the answer. Sometimes, you need a better way to manage what you've already built.

That's where Shore Financial Planning comes in.

𝗪𝗲 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝘁𝘂𝗿𝗻 𝘆𝗼𝘂𝗿 𝗵𝗮𝗿𝗱 𝘄𝗼𝗿𝗸 𝗶𝗻𝘁𝗼 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗲𝗻𝗷𝗼𝘆.

Let's find out what your business could be doing for YOU.

B𝗼𝗼𝗸 𝘆𝗼𝘂𝗿 𝗙𝗥𝗘𝗘 𝟭𝟱-𝗺𝗶𝗻𝘂𝘁𝗲 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻:
https://calendly.com/shorefinancialplanning/the-first-step

10/20/2026

Imagine paying $1.37 million in taxes, only to discover that with the right strategy, that number could have been a fraction of the cost. This is the reality for one commercial real estate client who saw their tax burden plummet to just $205,000—without changing their income or their business operations.

It’s a powerful reminder that growth isn't just about what a business earns, but how it’s structured. By simply implementing a smarter, proactive tax plan, the same company achieved a massive shift in their bottom line. For entrepreneurs tired of watching their hard-earned profits vanish every tax season, this approach proves that strategic planning is the ultimate game-changer.

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29 Beach Road #206
Monmouth Beach, NJ
07750

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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