Michelle Everman

Self-employed (SE) individuals have the opportunity to create a nest egg while potentially reducing their current tax liabilities.  An added challenge to being self-employed is understanding the best way to save for retirement on your own.  Determining which specific self-employed retirement plan is the right fit for your needs, goals and circumstances is dependent on…

Michelle V. Everman, CPA, PFS, CGMA, Managing Director & Co-Chair of Mercadien’s Individual Services and Family Office Group, participated with other experts in a panel discussion on the topics of Estate Planning & Planned Giving, hosted by Princeton Library for members of the community in October 2018. Ms. Everman provides tax, estate, financial and strategic planning to…

Taxpayers of high-tax states often contemplate relocating and establishing their domicile in a more tax-friendly state.  With the latest tax act and the maximum federal deduction available for state and local taxes capped at $10,000, many more taxpayers are posing this question and exploring a strategy to change their domicile.  The strategy and success of…

An early morning stop at the hospital to visit your parent and to catch the doctor on their morning rounds, a hurried arrival at work, making follow-up appointments for your parent, schedule the well visits for the kids, start work, follow-up on the medical insurance denial, add the parent teacher conference to your calendar, work,…

We have just completed the year-end rush of charitable giving and a barrage of requests from multiple organizations. How can we make this process more strategic and tax efficient? One option is a donor advised fund (DAF). A DAF offers an easy way for a donor to make significant charitable gifts over a long period…

Governor Christie announced this week that he will NOT rescind the New Jersey – Pennsylvania Reciprocal Tax Agreement, as he threatened to do earlier this fall and I wrote about last week, giving taxpayers on both sides of the Delaware River something to add to their gratitude list for Thanksgiving.  The agreement will stand as…

Self-employed individuals are notoriously busy, but that does not mean that planning for retirement should be put on the back burner. A recent survey indicated that 70% of America’s 10 million self-employed individuals are not saving regularly for retirement and 28% aren’t saving at all. It is well worth the time to explore the tax-advantaged…

Keeping year-end tax planning interesting right up until the end, Congress acted in late December to pass The Protecting Americans from Tax Hikes (PATH) Act of 2015. This bill addresses a variety of popular but temporary tax provisions, commonly referred to as “tax extenders,” that expired at the end of 2014, and makes many of…

Dear Friends, Welcome to 2016! The warm breezes of 2015 are now in the past and we can now look forward to the wonderful cold of winter and the beginning of a new year — 2016! The area fitness centers are full (for now) and people are following diets (for now). Ok, some people are…

The Mercadien Group is pleased to announce that two of the firm’s managing directors, Marguerite L. Mount and Michelle V. Everman, have been awarded the Personal Financial Specialist (PFSSM) credential by the American Institute of Certified Public Accountants (AICPA), joining an elite group of professionals who have demonstrated advanced knowledge of tax, estate, retirement, investment…