Scott is truly a top notch tax professional. He's timely, knowledgeable, and dependable!read more

From the owner: Padgett Business Services® of Dayton specializes in helping the small business owner with their…read morebasic bookkeeping needs, tax planning and preparation, government compliance, payroll services, general business consulting and more. We help the small business owner avoid costly tax penalties and it all starts with a FREE consultation.

I first heard about Golden Reserve ("GR") on the radio, while driving an hour each way from our…read moreDayton-area home to my former job in Cincinnati. My wife and I had been clients of Fidelity for DECADES, and we trusted them to grow/manage our retirement savings. Fidelity had recommended that we transfer the bulk of our money to an actively managed account, mostly to reduce the risk of losses during market downturns. For this service, we paid a fee of 1% of assets under management (AUM). That fee seemed "normal", since most fees seem to run 1 - 1.5% AUM. But then, I heard GR's radio shows & started to think.... While Fidelity did a good job of managing/growing our savings, I eventually realized (after I retired) that there was still something lacking. As silly as it might sound, saving money is "easy." Throw money into a S&P Index fund....keep adding money....more money....more money...shake/stir/WAIT. Time value of money, eh wot? In our case, our money wasn't going into just a S&P 500 Index Fund. It was going into a variety of funds, with very low loads. Over the last 2-3 years, we also paid a 1% AUM fee. As a result, our money grew. GREAT, until both my wife & I retired. OK, now what? You've got all this money built up over the decades, with a goal of providing funds for a good retirement. After listening to GR, I learned to consider TAXES and ESTATES. Saving money is easy. Withdrawing money is also easy. You just make withdrawals whenever you want, out of any of your random accounts. Right? NOPE. While it's "easy" to just pull whatever funds you want out of whatever account, that might result in you getting smacked with unnecessary taxes. This brings me to WHY my wife & I dropped Fidelity (after decades) and went with GR. GR offers a holistic "package" of services. Their approach is not so much focused on saving money before you retire, but helping you wisely SPEND your money without throwing money away to Uncle Sam after you retire. GR not only offers financial services (helping to set up accounts through Schwab), but they look at your individual tax burden. How much can/should you withdraw from which of your accounts (401K, IRA, Roth IRA,....), given your Social Security or Pension incomes. When should you take that money out? In addition to their CPA-driven advice, they also offer multiple other GREAT services. Their associates do your taxes every year. No extra cost. Their associated law firm offers you the ability to create or update your Will, Living Will, Healthcare Power of Attorney (POA), Financial POA, ......and Irrevocable TRUSTS. A properly set up Trust can help you preserve your home & some other assets so they're not forcibly liquidated if you go into a nursing home. Trusts are good if you're fretting about going into a nursing home in the random future. Nursing homes cost $$$$......$7-$12K/month here in Ohio. So you've got $500-$900K saved for retirement. Take that money, divide it by $12K/month.....you can see how your money might be quickly gobbled up by the nursing home. A properly set up Trust can help you preserve your home & some other assets so they're not forcibly liquidated. NOTE: I'm not a lawyer (just a retired engineer & ICU RN) ...all my vague mumbling words are merely from the perspective of a happy GR client. Your mileage may vary....void where prohibited by law...hug your kids, pet your critters. YES, GR bribes me. During our annual visits/reviews with Ed Wright at GR, my wife & I am offered free bottles of water or soft drinks. GR also offers occasional "thank you" events for its clients. I recently got to see the latest Tom Cruise Mission Impossible movie, with free soft drinks & popcorn. Goodie for me! In any case, I'd encourage you to at least consider GR as you approach (or are "in") retirement. Great folks. Excellent communication. No games.

I left Edward Jones after hearing Golden Reserve commercials. My experience with Golden Reserve…read moreseemed ok at the beginning. Then I noticed they love to put immediately put my money into annuities, saying making it "safe from the market". Just don't ask what commission they got. It influences their choices, even though they deny that. Do your taxes? Yeah, if you upload all your paperwork to some firm you've never heard of, and with whom you'll never meet. Make a trust? Yeah, if you don't mind different attorneys or clerks sitting in on zoom conversations each time you try to understand your options. Good luck trying to proactively plan how you will pull money out once you retire. I was told to wait until the day I didn't draw a paycheck, and trust them, they'd figure it out, depending on the moment. Those commercials and TV advertisements promise the world, don't they? For me they did not deliver. I see lots of gushing reviews for them these days.... very surprising. Sound like solicited smiley faces to me....

I went to this company base on a reference from a colleague of mine. My experience was very…read moredifferent from everyone else. I submitted the information for my taxes a month and a few days before Tax Day (4/18). I didn't hear anything for a couple of weeks and then called. A call shortly after that then came to me saying that taxes would be processed soon (over a weekend, that night - statements like this). I was a little annoyed but finally was contacted by the main accountant and told that my taxes were finished, and he needed a copy of my driver's license and bank account numbers where we would like a refund deposited. I continued to wait and again told statements like the above (over a weekend, the next day, we will call you,), but still, no one called. Finally, I was panicking. It was getting too close to tax day, and I wanted to go over the taxes myself before submitted. This is the first time I have let someone else prepare my taxes. I left a message saying, ("if they haven't been done, don't do them"). The next day , I received a call from who I thought was the office manager. She said that my taxes were done now, and she needed a driver's license and bank account numbers! I was distraught. Why was I asked for the same information I sent 2 weeks earlier?! I canceled the order and did the taxes myself. At least I could finally be at peace knowing they were correct and processed. I'm sure the accountants in this business are very competent and excellent at their job, but going through the online portal and waiting for a response have been frustrating and caused a great deal of stress for my wife and me. This is the reason you go to accountants in the first place; so you can be assured your taxes are done correctly and without the stress.

I have used this business for my taxes the past 2 years. It is the best move I have ever made!…read moreBruce does great work, and is very efficient and affordable. After year one, I received a card in the mail with my pre-set appointment for the next year. I previously always did my taxes on my own, and spent forever trying to read up on any changes in the tax laws. I am self-employed, but felt like I had a good handle on it. I had made errors and had to make corrections in the past. It was never an easy process. Since meeting this team, I have saved money and learned that I did not know all of the law, nor could I keep up as they do. Last year, I decided to do my taxes "on my own" and see how I'd come out, and then brought my information into the office for my appointment. It turns out that I would've paid out lots of money needlessly. I won't go to anyone else as long as these folks are in business.