Matthew Smierciak
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WHY YOU SHOULD CONSIDER FRACTIONAL CFO SERVICES IN 2026THE MODERN CASE FOR A FRACTIONAL, OUTSOURCED, OR VIRTUAL CFO By: Frank Pina | July 2026 In 2026, organizations of all sizes, especially small and mid-market businesses, are turning to fractional CFO services, outsourced CFOs, and virtual CFO solutions to access expert financial leadership without the commitment or cost of a full-time hire. The rise…
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Why Internal Audit Functions Are Critical for Government Organizations in 2026Government organizations continue to face increasing complexity driven by workforce challenges, evolving regulations and heightened expectations around transparency and accountability. Labor shortages and the loss of institutional knowledge have made it more difficult to maintain effective oversight, while scrutiny from regulators, funding sources and the public continues to grow. THE ROLE OF INTERNAL AUDIT FUNCTIONS…
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Banking on Fintech: Key Considerations for Banking as a Service (BaaS) in 2026Over the last several years, technological advancements have continued to transform our lives, changing the way consumers and businesses engage with financial services. Today, individuals rely on a wide range of applications to manage everyday transactions, including sending money instantly, purchasing goods through digital marketplaces, funding digital wallets, and accessing credit through online platforms, with…
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AI, Deepfakes, Fraud & Scams: A Perspective for Bankers and the Customers They ServeDominic Hulick, CAMS, Director Artificial intelligence is enabling criminals to proliferate fraud at a rate higher than ever. Banks and financial institutions must rethink how they approach identity verification, fraud prevention, and risk management. Consumers must remain more vigilant than ever with the wherewithal to recognize increasingly deceptive schemes. Criminals are using AI software to…
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Trump Accounts — A New Planning Tool for the Next GenerationA CLIENT ADVISORY FROM OUR TAX DEPARTMENT Trump accounts are a recently introduced federal child savings vehicle designed to help families begin retirement-oriented investing during childhood. For high-net-worth families, we recommend viewing these accounts as a complement to 529 plans, trusts, or other advanced estate planning strategies – not as a replacement. They serve as…
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Mercadien’s Raphael J. Carletti Named to South Jersey Biz 2026 Young Professionals to Watch ListThe Mercadien Group is proud to share that Raphael J. Carletti, CPA, PSA, Director in Mercadien’s Nonprofit & Human Services Group, has been named one of South Jersey Biz’s 2026 Young Professionals to Watch. The annual recognition highlights professionals under the age of 40 who demonstrate leadership, professional achievement, and a commitment to their organizations…
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Important Tax Alert: Beware of Fake IRS CP53E NoticesWe want to make our clients aware of a recent increase in scam activity involving fake IRS CP53E notices. As your trusted advisors, our priority is to help you protect your personal and financial information. Please review the information below and contact us if you have any concerns. WHAT IS AN IRS CP53E NOTICE? The…
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Mercadien Hosts Day of Service Supporting Local Nonprofits & ChildrenPrinceton, NJ & Philadelphia, PA – On December 5, 2025, Mercadien, a regional CPA and advisory firm, celebrated its Annual Day of Service by participating in a series of impactful activities supporting local charitable organizations. The firm’s associates came together to make a positive impact on the community through several meaningful initiatives benefiting area organizations…
