Welcome
Firm Profile
Firm History
Members of the Firm
Colleen L. Montgomery, CPA
Marcia S. Merrill, CPA
Kathryn G. R. Granai, CPA
Ericka L. Bundy
Diane E. Sullivan
Our Services
Audit and Accounting Services
Audits - Reviews - Compilations
Small Business Accounting
QuickBooks Services
Why Quickbooks
QuickBooks Setup
QuickBooks Training
QuickAnswers
QuickBooks Versions Compared
Strategic Business Planning
New Business Formation
Internal Controls
Tax Services
Tax Preparation
Tax Planning
Tax Problems
IRS Audit Representation
Non-Filed Tax Returns
Back Taxes Owed
Payroll Tax Problems
Get Your IRS File
Non-Profit Organizations
Newsletter
Year End Tax Planning Checklist 2009
This Month's Newsletter
Previous Newsletters
Today's News and Weather
Financial Guides
Life Events
Getting Married
Getting Married (or Divorced): Some Financial Guidelines
Getting Married: Frequently Asked Questions
Life Insurance: How Much and What Kind To Buy
Life Insurance: Frequently Asked Questions
Life Insurance Need Estimator
Home Budget Analyzer
Becoming a Parent
Becoming a Parent: The Financial Considerations
Raising a Child: Frequently Asked Questions
The "Nanny Tax" Rules: What To Do If You Have Household Employees
"Nanny Tax" Rules: Frequently Asked Questions
Home Budget Analyzer
Your Child's Education: How To Finance It
Saving For College: Frequently Asked Questions
Life Insurance: How Much and What Kind To Buy
Life Insurance: Frequently Asked Questions
Life Insurance Need Estimator
Preparing For College
Your Child's Education: How To Finance It
Higher Education Costs: How To Get The Best Tax Treatment
Saving For College: Frequently Asked Questions
Tax Benefits of Higher Education: Frequently Asked Questions
College Savings Planner
Developing a Financial Plan
Your Financial Plan: Getting Started On a Secure Future
Budgeting: How To Prepare a Workable Plan
Developing a Financial Plan: Frequently Asked Questions
Investment Options: Frequently Asked Questions
Home Budget Analyzer
Checkbook Balancer
Savings After Inflation and Taxes Calculator
Credit Card Pay Off Calculator
Loan Amortization Calculator
Our Personal Financial Planning Service
Dealing with Your Bank
Bank Accounts: What To Look and Ask For
Bank Accounts: Frequently Asked Questions
ATM Transactions: Frequently Asked Questions
Applying For a Loan: How To Get The Best Loan At The Lowest Cost
Getting a Loan: Frequently Asked Questions
Loan Questions: Frequently Asked Questions
Commercial Loan Calculator
Loan Comparison Calculator
Loan Amortization Calculator
Our Bank Financing Service
Improving Your Credit
Credit Cards: How To Choose - And Use - Them Wisely
Credit Cards: Frequently Asked Questions
Credit Reports: What You Should Know - And Do - About Yours
Credit Reports: Frequently Asked Questions
Merchant Credit Card Abuses: What They Cannot Ask You To Do
Your Credit Card Rights: What To Do If You Have a Problem
Getting Out of Financial Trouble: Steps You Can Take
Financial Trouble: Frequently Asked Questions
Credit Rating: Frequently Asked Questions
Loans: Frequently Asked Questions
Debt Consolidation Financial Calculator
Accelerate Debt Payoff Calculator
Roll-Down Your Credit Card Debt Calculator
Credit Card Pay Off Calculator
Choosing A Professional
Lawyers: How To Choose The Right One
HMOs: How To Choose - And Deal With - Them
Are You Getting Good Financial Advice?
Choosing a Professional: Frequently Asked Questions
Buying Insurance
Homeowner's Insurance: How To Get The Best Coverage and Value
Homeowner's Insurance: Frequently Asked Questions
Car Insurance: 10 Cost-Cutters To Save You Money
Car Insurance: Frequently Asked Questions
Life Insurance: How Much and What Kind To Buy
Life Insurance: Frequently Asked Questions
Life Insurance Need Estimator
Disability Insurance: What To Look For
Disability Insurance: Frequently Asked Questions
Disability Benefits: How To Get All You're Entitled To
Disability Benefits: Frequently Asked Questions
Long-Term Care Insurance: How To Get The Best Deal
Long-Term Care Insurance: Frequently Asked Questions
Annuities: How They Work and When You Should Use Them
Annuities: Frequently Asked Questions
Variable Annuity Calculator
Getting a Loan
Mortgage Alternatives: How To Choose The Right One
Refinancing Your Mortgage: When and How To Do It
Home Equity Loans: How To Shop For The One That Is Best For You
Mortgage Lock-Ins: Questions To Ask
Getting a Loan: Frequently Asked Questions
Loan Questions Answered
Financing Questions Answered
Credit Reports: Frequently Asked Questions
Credit Rating: Frequently Asked Questions
Getting Out of Financial Trouble: Steps You Can Take
Financial Trouble: Frequently Asked Questions
Commercial Loan Calculator
Loan Comparison Calculator
Loan Amortization Calculator
Mortgage Qualifier Calculator
Mortgage Refinance Analyzer
Mortgage Reduction Analyzer
Mortgage Comparison: 15 years vs. 30 years
Mortgage Points Evaluator
Car Loan Analyzer
Car Loan Vs. Home Equity Loan Calculator
Car Lease Vs. Buy Analyzer
Our Bank Financing Service
Planning For Retirement
Your Retirement Plan: How To Get Started
Developing a Financial Plan: Frequently Asked Questions
Retirement Planner
10 Retirement Saving Tips
Social Security Benefits: How To Get The Maximum Amount
Social Security Benefits: Frequently Asked Questions
Should You Count On Social Security
Social Security Benefits Estimator
Annuities: How They Work and When You Should Use Them
Annuities: Frequently Asked Questions
Variable Annuity Calculator
Investment Options: Frequently Asked Questions
Retirement Plan Distributions: When To Take Them
Retirement Plan Distributions: How To Take Them
Retirement Plan Distributions: Frequently Asked Questions
Retirement Assets: Frequently Asked Questions
Roth IRAs: How They Work and How To Use Them
The "SIMPLE" Plan: A Retirement Plan for the Really Small Business
Disability Benefits: Frequently Asked Questions
Long-Term Care Insurance: Frequently Asked Questions
Cost of Delaying Savings Calculator
IRAs: Frequently Asked Questions
Traditional IRA Calculator
Traditional Vs Roth IRAs: Frequently Asked Questions
Roth IRA Calculator
Roth IRA Transfer Evaluator
Required Minimum Distribution Calculator
Become a Millionaire Calculator
Our Personal Financial Planning Service
Buying & Maintaining A Car
Your Next Car: Should You Buy Or Lease?
Buying or Leasing Your Next Car: Frequently Asked Questions
Car Lease Vs. Buy Analyzer
Car Insurance: 10 Cost-Cutters To Save You Money
Car Insurance: Frequently Asked Questions
Car Loan Analyzer
Car Loan Vs. Home Equity Loan Calculator
Buying & Selling A Home
Buying a Home: What To Do and How To Do It
Buying a Home: Frequently Asked Questions
Homeowner's Insurance: How To Get The Best Coverage and Value
Homeowner Insurance: Frequently Asked Questions
Mortgage Alternatives: How To Choose The Right One
Mortgages: Frequently Asked Questions
Home Mortgage Interest Deductions
The Deductibility of Points
Refinancing Your Mortgage: When and How
Selling Your Home: How To Do It Effectively
Selling Your Home: How To Minimize the Tax On the Gain
Selling Your Home: Frequently Asked Questions
Which Moving Expenses Are Deductible?
Planning For Your Move: Frequently Asked Questions
The Deduction For Real Estate Taxes
Mortgage Qualification Calculator
Mortgage Refinance Analyzer
Mortgage Reduction Analyzer
Mortgage Comparison Calculator: 15 years vs. 30 years
Mortgage Points Evaluator
Planning Your Estate
Estate Planning: How To Get Started
Post-Mortem Letter: How To Prepare It and What To Include
Our Estate Planning Service
Retirement Plan Distributions: When To Take Them
Retirement Plan Distributions: How To Take Them
Roth IRAs: How They Work and How To Use Them
Living Trusts: Frequently Asked Questions
Wills: Frequently Asked Questions
Your Estate and Taxes: Frequently Asked Questions
Estate Planning Calculator
Making Charitable Contributions
Charitable Contributions: How To Give Wisely
Charitable Contributions: Frequently Asked Questions
Charitable Contributions of Property: Maximizing the Deduction
What Records You Must Keep Relating To Your Charitable Contributions
Advanced Charity Techniques: Maximizing Your Deduction
Charitable Deductions: Frequently Asked Questions
Fraudulent Charities: How To Protect Yourself
Avoiding Scams
Con Artists: How To Spot and Stop Them
Fraudulent Charities: How To Protect Yourself
Avoiding Scams: Frequently Asked Questions
Getting Divorced or Becoming Widowed
Getting Married (Or Divorced): Some Financial Guidelines
Getting Married: Frequently Asked Questions
Getting Divorced: Frequently Asked Questions
Life Insurance: How Much and What Kind To Buy
Coping with Major Illness
Long-Term Care Insurance: How To Get The Best Deal
Disability Insurance: What To Look For
Disability Insurance: Frequently Asked Questions
Disability Benefits: How To Get All You're Entitled To
Social Security Benefits: How To Get The Maximum Amount
Social Security Benefits: Frequently Asked Questions
Coping with Death of a Loved One
Death of a Spouse: Financial Steps You Should Take
Death of a Loved One: Frequently Asked Questions
Funerals: What To Do At This Stressful Time
Post-Mortem Letter: How To Prepare It and What To Include
Improving Your Retirement
Retirement Plan Distributions: When To Take Them
Retirement Plan Distributions: How To Take Them
Retirement Plan Distributions: Frequently Asked Questions
Retirement Planner
Social Security Benefits: How To Get The Maximum Amount
Social Security Benefits: Frequently Asked Questions
Social Security Benefits Estimator
Survivor Benefits: A Guide To This Often Overlooked Insurance Add-On
Your Pension: What You're Entitled To
Reverse Mortgages: How They Can Enhance Your Retirement
Tap Your Retirement Money Early and Minimize Penalties
Retirement Assets: Frequently Asked Questions
Annuities: How They Work and When You Should Use Them
Annuities: Frequently Asked Questions
Variable Annuity Calculator
IRA's: Frequently Asked Questions
Traditional IRA Calculator
Traditional Vs Roth IRAs: Frequently Asked Questions
Roth IRAs: How They Work and How To Use Them
Roth IRA Calculator
Roth IRA Transfer Evaluator
Required Minimum Distribution Calculator
Cost of Delaying Savings Calculator
Become a Millionaire Calculator
Our Personal Financial Planning Service
Handling Other Situations
Saving Money: 10 Major Ways To Increase Your Nest Egg
Recordkeeping Guide: How Long You Should Retain Your Records
Document Locator System: A Handy Aid For Keeping Track of Your Records
E-Shopping Tips: Things You Should Know Before You Go CyberShopping
Handling Other Situations: Frequently Asked Questions
Become a Millionaire Calculator
Business Strategies
Starting A Business
Starting a Business? 3 Things You Must Know
Our New Business Formation Service
Form of Business Organization: Which Should You Choose?
Business Forms of Organization: Frequently Asked Questions
Advantages of Incorporating
Incorporating: Frequently Asked Questions
Advantages of Limited Liability Companies
Limited Liability Companies Frequently Asked Questions
Business Plans: How To Prepare An Effective One
Raising Capital: How To Get Money For a Small Business
The Home-Based Business: Some Basics You Should Consider
Small Business: Frequently Asked Questions
Financing: Frequently Asked Questions
Recordkeeping: Frequently Asked Questions
Choosing a Professional: Frequently Asked Questions
Sales Volume Break-Even Analyzer
Running Your Business
Recordkeeping and Cash Flow: Effective Techniques
Recordkeeping: Frequently Asked Questions
Cash Flow - The Pulse of Your Business
Our Cash Flow Management Service
Travel and Entertainment: Maximizing The Tax Benefits
Travel and Entertainment: Frequently Asked Questions
Employee Benefits: How To Handle Them
Employee Benefits: Frequently Asked Questions
Document Locator System: A Handy Aid For Keeping Track of Your Records
Buying a Computer System That Meet Your Needs
The Home-Based Business: Some Basics You Should Consider
How To Best Manage Your Team
How To Make the Best Use of Your Time
Financial Planning Tips For Business Owners
The "SIMPLE" Plan: A Retirement Plan for the Really Small Business
Small Business: Frequently Asked Questions
Financing: Frequently Asked Questions
Sales Volume Break-Even Analyzer
Inventory Analysis Calculator
Business Ratios Calculator
Our Strategic Business Planning Service
Growing Your Business
Evaluating Your Market: A Basic Review
Pricing Your Products and Services: A Basic Review
Marketing and Pricing: Frequently Asked Questions
Developing An Advertising Program: A Basic Review
Make Your Business Explode With Referrals
How To Get Your Customers To Trust You
The Nicest Way To Build Your Business
How To Ethically Blow Your Competitors Out of The Water
Uncover Your Business's Most Valuable Hidden Asset
How to Profitably Grow Your Business With Less Stress
Recordkeeping and Cash Flow: Effective Techniques
Raising Capital: How To Get Money For a Small Business
Commercial Loan Calculator
Marketing Campaign Profitability Analyzer
Sales Volume Break-Even Analyzer
Securing Business Loans
Raising Capital: How To Get Money For a Small Business
Show Me The Money! Strategies For Securing a Loan
Our Loan Proposal Service
Commercial Loan Calculator
Loan Amortization Calculator
Lease Vs. Buy Analyzer
Financial Ratios Calculator
Selling/Exiting Your Business
Your Business Succession: How To Plan For It
Successfully Pass On Your Family Business To Next Generation
Maximize Your Wealth With a Winning Exit Plan
Our Succession Planning Service
Business Valuation Calculator
QuickBooks Tips
Tax Strategies for Business Owners
Tax Planning For Small Business Owners
Our Tax Planning Service
7 Biggest Misconceptions Business Owners Have About Their Returns
Travel and Entertainment: Maximizing The Tax Benefits
7 Ways To Save Even More Income Taxes
The Home Office Deduction
How To Make Money on Vacation
Form of Business Organization: Which Should You Choose?
Retirement Plan Options For Small Businesses
The "SIMPLE" Plan: A Retirement Plan for the Really Small Business
Recordkeeping For Your Taxes: Frequently Asked Questions
1040 Tax Estimator
1040 EZ Tax Estimator
Marginal and Effective Tax Rates Calculator
Self Employment Tax Calculator
Our Tax Preparation Service
Our Tax Problem Resolution Service
Tax Strategies for Individuals
Tax Saving Strategies: A Helpful Checklist
Tax Saving Strategies: Frequently Asked Questions
Travel and Entertainment: Maximizing The Tax Benefits
Travel and Entertainment: Frequently Asked Questions
The "Nanny Tax" Rules: What To Do If You Have Household Employees
The "Nanny Tax" Rules: Frequently Asked Questions
Higher Education Costs: How To Get The Maximum Deduction
Tax Benefits of Higher Education Costs: Frequently Asked Questions
Selling Your Home: How To Minimize The Tax On The Gain
The Deductibility of Points
Annuities: How They Work and When You Should Use Them
Annuities: Frequently Asked Questions
Retirement Assets: Frequently Asked Questions
Retirement Plan Distributions: When To Take Them
Retirement Plan Distributions: How To Take Them
Roth IRAs: How They Work and How To Use Them
Mutual Fund Taxation: How To Cut The Tax Bite
Mutual Funds: Frequently Asked Questions
Traditional & Roth IRAs: Frequently Asked Questions
Recordkeeping For Your Taxes: Frequently Asked Questions
Advanced Charity Techniques: Maximizing Your Deduction
Charitable Contributions of Property: Maximizing the Deduction
Charitable Contributions: How To Give Wisely
Charitable Contributions: Frequently Asked Questions
Charitable Deductions: Frequently Asked Questions
1040 Tax Estimator
1040 EZ Tax Estimator
Marginal and Effective Tax Rates Calculator
Self Employment Tax Calculator
Payroll Deductions Calculator
Flexible Spending Account Savings Calculator
Our Tax Preparation Service
Our Tax Planning Service
Our Tax Problem Resolution Service
Investment Strategies
Investment Basics: What You Should Know
Investment Options: Frequently Asked Questions
Asset Allocation: How To Diversify For Maximum Return
The Secret of Creating Wealth
Buying On Margin: How It Works and What To Watch Out For
Financial Planning Checklist
Investment Clubs: What You Need To Know
Swap Tactic Lets You Defer Capital-Gains Tax
Changing Jobs? Don?t Forget Your 401(k)
How Brokers Execute Trades: What Every Investor Should Know
Investing In Mutual Funds: The Time-Tested Guidelines
Mutual Fund Taxation: How To Cut The Tax Bite
Mutual Funds: Frequently Asked Questions
Stocks: Frequently Asked Questions
Bonds: Frequently Asked Questions
Penny Stocks: How To Investigate Them and Avoid the Traps
Annuities: How They Work and When You Should Use Them
Annuities: Frequently Asked Questions
Variable Annuity Calculator
10 Retirement Saving Tips
Your Retirement Plan: How To Get Started
Retirement Assets: Frequently Asked Questions
Developing a Financial Plan: Frequently Asked Questions
Retirement Planner
Traditional IRA Calculator
IRAs: Frequently Asked Questions
Traditional Vs Roth IRAs: Frequently Asked Questions
Roth IRAs: How They Work and How To Use Them
Roth IRA Calculator
Roth IRA Transfer Evaluator
Required Minimum Distribution
Savings After Inflation and Taxes Calculator
Cost of Delaying Savings Calculator
Become a Millionaire Calculator
Our Personal Financial Planning Service
Frequently Asked Questions
Business Owners
Small Business: Frequently Asked Questions
Choosing a Professional: Frequently Asked Questions
Employee Benefits: Frequently Asked Questions
Recordkeeping: Frequently Asked Questions
Travel and Entertainment: Frequently Asked Questions
Marketing and Pricing: Frequently Asked Questions
Business Forms of Organization: Frequently Asked Questions
Incorporating: Frequently Asked Questions
Limited Liability Companies: Frequently Asked Questions
Home Owners
Buying a Home: Frequently Asked Questions
Mortgages: Frequently Asked Questions
Homeowner Insurance: Frequently Asked Questions
Selling Your Home: Frequently Asked Questions
Planning Your Move: Frequently Asked Questions
Financial Planning
Developing a Financial Plan: Frequently Asked Questions
Investment Options: Frequently Asked Questions
Annuities: Frequently Asked Questions
Bonds: Frequently Asked Questions
Mutual Funds: Frequently Asked Questions
Stocks: Frequently Asked Questions
Saving For College: Frequently Asked Questions
Retirement Assets: Frequently Asked Questions
Retirement Plan Distributions: Frequently Asked Questions
IRAs: Frequently Asked Questions
Traditional Vs Roth IRAs: Frequently Asked Questions
Social Security Benefits: Frequently Asked Questions
Wills: Frequently Asked Questions
Insurance
Car Insurance: Frequently Asked Questions
Disability Insurance: Frequently Asked Questions
Disability Benefits: Frequently Asked Questions
Homeowners Insurance: Frequently Asked Questions
Life Insurance: Frequently Asked Questions
Long-Term Care Insurance: Frequently Asked Questions
Life Events
Buying or Leasing Your Next Car: Frequently Asked Questions
Getting Married: Frequently Asked Questions
Getting Divorced: Frequently Asked Questions
Death of a Loved One: Frequently Asked Questions
Other Situations: Frequently Asked Questions
Credit
Credit Cards: Frequently Asked Questions
Credit Reports: Frequently Asked Questions
Credit Rating: Frequently Asked Questions
Financial Trouble: Frequently Asked Questions
Banking
Financing Questions: Frequently Asked Questions
Getting a Loan: Frequently Asked Questions
Loan Questions: Frequently Asked Questions
Bank Accounts: Frequently Asked Questions
ATM Transactions: Frequently Asked Questions
Affluent Individuals
Charitable Contributions: Frequently Asked Questions
Charitable Deductions: Frequently Asked Questions
Living Trusts: Frequently Asked Questions
Your Estate and Taxes: Frequently Asked Questions
Parents
Raising a Child: Frequently Asked Questions
Saving For College: Frequently Asked Questions
"Nanny Tax" Rules: Frequently Asked Questions
Avoiding Scams: Frequently Asked Questions
Taxes
Tax Saving Strategies: Frequently Asked Questions
Recordkeeping For Your Taxes: Frequently Asked Questions
Tax Benefits of Higher Education: Frequently Asked Questions
Tax Center
Track Your Refund
Tax Due Dates
Tax Rates
IRS Tax Forms and Publications
Record Retention Guide
State Tax Forms
1040 Tax Calculator
Marginal and Effective Tax Rates Calculator
Resources
Financial Calculators
Client Portal
QuickSend Page
Internet Links
News and Weather
Contact Us
Online Backup
Client Portal:
Kathryn G. R. Granai, CPA
This page is under construction.
110 Main Street
Burlington, VT 05401
Phone: (802) 864-6565
Fax: (802) 864-6566
info@2beancounters.com
Floral photography by James Stillman
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