Business Details
Trusted Financial Advisors in Jersey City
Ricardo Financial Services was founded on the principle of redefining how financial firms operate from both client and employee perspectives. With over a decade of experience in tax and accounting, our team combines expertise with a commitment to work-life balance, ensuring personalized attention for every client. We specialize in financial planning, business structuring, and insurance services, offering comprehensive solutions tailored to individual and business needs. Our 48-hour response policy guarantees timely communication, while our bilingual capabilities (English/Spanish) enhance accessibility for diverse clients. By focusing on education and transparency, we empower clients to make informed decisions about their financial future.Our services extend beyond traditional accounting to include business incorporation, payroll management, and customized insurance plans. Located in Jersey City, NJ, we serve local businesses and individuals nationwide through remote tax preparation and consulting. Our team's credentials include IRS and New York State tax preparer authorizations, ensuring compliance with regulatory standards. We maintain strict professionalism through continuous education in evolving tax laws and financial strategies. Client satisfaction remains our priority, demonstrated through flexible scheduling during tax season and a commitment to resolving financial challenges efficiently.
Services
Tax Preparation
Financial Planning
Business Incorporation
Insurance Services
Notary Public
Highlights and features
- 48-hour response time for client inquiries
- Personalized financial strategies tailored to individual goals
- IRS-certified tax professionals with 10+ years' experience
- Bilingual English/Spanish financial consulting services
- Comprehensive solutions from tax preparation to business insurance
Associations and certifications
- IRS Authorized Tax Preparer
- New York Authorized Tax Preparer
Services
Business Incorporation
We guide clients through business structure selection and legal registration. Our experts handle EIN acquisition, articles of incorporation, and operating agreements. Services include corporate booklets, bylaws creation, and state filing compliance for LLCs and corporations.
Tax Preparation
Comprehensive tax services for individuals and businesses nationwide. We handle federal and state returns, audit representation, and multi-state filings. Specialized support for late filers, expatriates, and mortgage applicants ensures compliance with current tax regulations.
Financial Planning
Customized financial strategies focusing on long-term goals. Services combine investment guidance, retirement planning, and tax-efficient strategies. We provide ongoing coaching to help clients maintain financial discipline and achieve personal objectives.
Insurance Services
Tailored insurance solutions covering life, health, and business needs. We help clients select appropriate coverage levels for income protection, medical expenses, and business continuity. Services include policy analysis and claims assistance for personal and commercial clients.
Notary Public
Mobile and in-office notary services for legal documents. We handle loan closings, will signings, and power of attorney documents. Our certified notaries ensure proper verification and record-keeping for real estate transactions and official paperwork.
People
Ricardo A. Hernandez
Tax & Accountant Manager
Certified tax professional with 10+ years' experience. Holds accounting credentials from NJ City University and IRS authorization. Specializes in business tax compliance and financial strategy development.
Dunia Andino
Assistant Manager
Experienced financial services coordinator managing client relations and operational processes. Provides bilingual support for Spanish-speaking clients and oversees appointment scheduling logistics.
Luis Carlos Ospina
Bookkeeper
Certified bookkeeping specialist handling payroll processing, financial statement preparation, and tax documentation. Ensures accurate record-keeping for business clients' compliance needs.
William Valencia
Insurance Specialist
Licensed insurance advisor offering personalized coverage solutions. Expertise in life, health, and business insurance products to protect clients' financial security and business continuity.
Questions
What tax services do you offer during tax season?
We provide individual and business tax preparation, audit representation, and multi-state filings. Extended hours available January-April for timely filing assistance.
Can you help with business formation outside regular hours?
Yes, we offer flexible scheduling including evening appointments during tax season for business registration and incorporation services.
Do you serve clients outside New Jersey?
Yes, our tax preparation and financial planning services are available to clients nationwide through secure remote consultation options.
What insurance products do you specialize in?
We offer life, health, auto, and business insurance solutions with personalized coverage recommendations based on individual and corporate risk profiles.
How quickly can I expect a response to inquiries?
Our 48-hour response policy ensures timely communication for all client questions and service requests during regular business hours.
Reviews (1)
My Friends Party So Fun
Jun 04, 2019
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I been doing my personal and business taxes for the last two years and I am very happy with the service and advice i received. The team always ready to help me with any concerns I have. I recommend this place 100%
