Gary B. Carbo,CPA Certified Public Accountant I aim to take the pain off your shoulders and make your individual tax preparation a simple, seamless process that you no longer need to dread.  I can assist you with:  Tax planning and tax return preparation.  Internal Revenue Service and state taxing authority audits, including direct representation before the taxing authorities.  Quicken training and assistance.  Financial planning and budgeting.  Life change planning.  Funding college savings (529) and retirement plans.  Roth and traditional IRA investing and conversions.  Completing the myriad tax and benefits forms presented to you by new employers.  Mortgage affordability planning.  Wealth accumulation and tax savings strategies.  Estate and gift planning and taxation.  Lease/purchase decisions.  Determining whether to declare bankruptcy. INDIVIDUAL SERVICES