CPA & Registered Investment Advisor

Financial Planning

Integrated planning for individuals and business owners, where tax strategy and long-term wealth goals are handled under one roof.

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A Rare Combination of Credentials

One Advisor Who Sees the Full Picture

Most people work with a CPA for taxes and a separate advisor for investments and life planning, hoping the two stay aligned. At Joseph Gormley, CPA, LLC., Joseph Gormley brings 30+ years of experience as a licensed CPA and a registered investment advisor, so tax efficiency and financial planning are developed together from the beginning.

That integrated approach matters whether you are preparing for retirement, funding education, protecting your family, or planning a business exit. Decisions made in one area almost always affect another; having a single firm that understands both sides reduces gaps, surprises, and missed opportunities.

Clients throughout Princeton, NJ and surrounding communities rely on this firm for planning that is personal, thorough, and grounded in real tax and accounting expertise, not generic templates.

Comprehensive Planning

What We Help You Plan For

Every engagement is tailored to your goals. These are the core areas where CPA and registered investment advisory expertise work together.

Retirement Planning

Goal-based strategies for 401(k)s, IRAs, Roth conversions, pension decisions, and Social Security timing, designed to align retirement income with your tax picture.

Estate Planning Coordination

Beneficiary reviews, trust and will coordination with your attorney, and strategies to transfer wealth efficiently while minimizing unnecessary tax exposure.

College Funding

529 plans, education savings accounts, and funding timelines that balance family goals with tax efficiency and financial aid considerations.

Investment & Tax Coordination

Portfolio analysis, asset location, capital gains planning, and tax-efficient investing so investment decisions work hand-in-hand with your return, not against it.

Business Owner Planning

Succession planning, exit preparation, entity structure review, and personal wealth strategies for owners who need their business and personal finances aligned.

Risk & Insurance Review

Analysis of life, disability, and long-term care coverage to protect income, family, and legacy without overpaying for the wrong policy.

Tax Strategy Built Into Every Plan

Financial planning without tax awareness is incomplete. Roth conversions, charitable strategies, business distributions, estate moves, and investment timing all carry tax consequences that can materially change outcomes.

Because Joseph Gormley is a registered investment advisor in addition to holding CPA licensure, recommendations are evaluated for how they affect your return, your cash flow, and your long-term wealth, not just a single line item on a spreadsheet.

For Business Owners

Planning Beyond the Balance Sheet

Owning a business adds layers that standard financial planning often overlooks: entity structure, succession, key-person risk, exit timing, and the interplay between company profits and personal wealth.

Joseph Gormley, CPA, LLC. supports owners who need a coordinated view, linking business tax planning, personal financial goals, and long-range succession or sale preparation so that major decisions are made with clarity, not in silos.

Business Tax Services

✓Succession and exit planning for closely held businesses
✓Coordinating entity structure with personal tax and estate goals
✓Retirement funding strategies for owner-operators
✓Risk review for income protection and business continuity
✓Integrating business cash flow with personal financial plans

Common Questions