Trust Steven With Your Retirement

Albuquerque certified public accountant, Steven P Margulin has advised on investments and well over $100 million since 1993, while helping his clients use tax laws to their advantage. Apart from being a certified public accountant, this Albuquerque-based financial advisor and life coach has earned a number of professional designations including Certified Financial Planner (CFP), Certified Management Accountant (CMA), and Chartered Financial Accountant (CFA).

Summing up his work, this Albuquerque Certified Personal Accountant says, “What I want for my clients is their financial freedom. I track their goals, monitor their investments, and provide accountability and life coaching, so they progress in that direction.

His firm operates on the philosophy that clients should use their money to make a life, instead of using their life to make money. To this end, Margulin’s team assists in establishing and working towards long-term financial goals. According to this Albuquerque Certified Public Accountant, one of the goals of his firm is to help clients anticipate and understand normal life transitions and help them create a new and fulfilling vision for their retirement.

In addition to helping his clients plan their financial future, Margulin takes his role as Certified Public Accountant seriously. With over 20 years of tax preparation experience behind him, this Albuquerque native says, “I don’t want income taxes to be the tail wagging the dog, but there are certain ways to structure your transactions to take advantage of the tax laws.”

Unlike other Certified Public Accountants, Margulin focuses on after-tax cash flow. This Albuquerque native helps his clients minimize their tax liability by helping them turn short-term capital gains into long-term capital gains.

To achieve this, he looks at the ever-changing tax environment to structure clients’ transactions. For example, during one year, he’ll work with a client to harvest tax losses by selling to recognize short-term and long-term capital losses. Then, when the market dictates, he can capture capital gains by selling winners and utilizing the prior carry-over losses to lower taxes.

Margulin’s firm adopts a proactive approach. Often this Albuquerque Certified Public Accountant meets with clients during the year to review a projection of what their tax return might show. His next step is to assess whether anything can be done to reduce taxes while being mindful of his focus on maximizing after-tax cash flow.

Then, during the tax return preparation appointment, Margulin asks questions related to the clients’ futures. This gives him the opportunity to be proactive with suggestions and advice. Margulin has a wealth of knowledge on tax-deferred investments and has been known to give his clients, beneficial advice on the subject.

In addition to being a Certified Public Accountant, Financial and Retirement Planner, and Life Coach for individuals and families, this Albuquerque native has also worked extensively with small business owner as a management accountant and controller.

Margulin’s firm operates on the belief that a long-term relationship with clients is the most rewarding. It is a belief that has earned this Albuquerque Certified Public Accountant, a loyal customer base.