Taxes

• Tax Planning
  During tax season, she helps prepare taxes for Ruff & Associates CPAs, Inc. to further her understanding of tax planning and the important role taxes play in financial planning.
• Charitable Giving
  Many people have a desire to leave a legacy through charitable giving. We have the ability to offer the tax deduction as the monies are given and hold them until you decide to give the funds.
• Estate Taxes
• Tax Services
  Ron had operated a part-time, home-based tax preparation business since 1983. In 1995, he formed a partnership with C. Woodson Winfree and in 1996, opened the Lancaster office of Winfree, Ruff & Associates, Ltd. Since 2015, Ron has operated the business as Ruff & Associates CPAs, Inc.
• Roth IRA
• Tax Deductions
• Income Tax

Investment

• Investment Management
  Fairfield Financial Solutions, Inc is a Member Firm of the Valmark Companies, an elite, a 52-year-old, invitation-only consortium of independent wealth advisory firms. Valmark employs over 100 professionals who provide a concierge level of support to each Member Firm. Among Valmark's professionals are individuals who specialize in investment analysis and portfolio management, life insurance and other protection products, medical underwriting, qualified and non-qualified plans, product due diligence and regulatory compliance.
• Mutual Funds

Accounting

• Accounting Services
• Payroll Services

Planning

• Financial Planning
  Our Financial Services team consist of CPAs, attorneys, insurance and financial planning professionals. We provide business and individual clientele with a team approach to analyzing and solving their diverse financial needs.
• Retirement Planning
  Through our relationship with the ValMark Companies, we have access to an experienced support team, with credentials spanning multiple financial disciplines – from legal, accounting, tax and financial advisory expertise to life insurance, retirement planning and securities. This team of over 100 professionals serves as our back office support staff. A sample representation of the team’s credentials includes...
• Annuities
• Long Term Care
  Life, health, long term care and disability insurance coverage are important elements of many financial plans. We will review your current policies as well as recommend appropriate levels and types of coverage. We will also assist you with selecting products from competitive and financially secure carriers.
• Asset Management
  We help you achieve your retirement income and wealth accumulation goals by analyzing your present holdings, your risk tolerance, and future objectives. Tax advantaged investing is emphasized. Once retired, we assist you with asset management and distribution planning. We offer two specialized planning tools. RISK is to help those that are in retirement, whereas ARC helps those achieve retirement.
• Charitable Remainder Trusts