Graphic Intro
     Welcome
     Our Firm
          T&W In the Community
     Services
          Services For Individuals
               Personal Financial Planning
               Estate Planning
          Business Services
               Small Business Accounting
               QuickBooks Services
                    Why Quickbooks
                    QuickBooks Setup
                    QuickBooks Training
                    QuickAnswers
                    QuickTuneup
                    QuickBooks Tips
                    Buy QuickBooks and Save
               Payroll
               Part-Time CFO Services
               Reviews - Compilations
               Cash Flow Management
               Bank Financing
               Business Valuation
               Strategic Business Planning
               Succession 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
                    IRS Liens
                    IRS Levies
                    IRS Wage Garnishment
                    IRS Seizures
                    Offer In Compromise
                    IRS Payment Plan
                    Bankruptcy
                    Innocent Spouse Relief
                    Get Your IRS File
          TWIST Technology Solutions
          Client Portal
          Client Portal Log in
          Client Portal Set-up
          Client Portal Agreement
          Remote Access
          Save on QuickBooks
          Order SourceLink
          Pay Online
          Introducing Windows 7 Professional
     Newsletter
          This Month's Newsletter
          Previous Newsletters
          Today's News and Weather
     Tax Center
          Track Your Refund
          Tax Due Dates
          Tax Due Date Reminders
          Tax Rates
          Tax Forms & Publications
          Record Retention Guide
          State Tax Forms
          1040 Tax Estimator
          Marginal Tax Rate
     Our People
     Our Team
          Richard L. Torosian, CPA
          Stephen F. Walter
          Brandon McAvoy
          William E. Roesler
          Michael L. Robeson
          Donny Gill
          Kathleen Bates
          Lina Edralin
          Coleen Alexander
          Nick Leach
          Seasha Belton
          Darlene Lopez
          Lauren Nii
          Matthew Anthony
          Gary Wolfe
          Nicholas Rush
          Megan Willey
          Kathleen Urive
          Hannah Xu
          Tyler Esswein
          Tim Kehoe
          Alesya Romanovich
          Jonathan Penrose
          Christopher Quitoriano
          Penny Sandlin
          Kory Mayer
          Nichol Preciado
          Jennifer Davis
          Beth Williams
          Destinee Najm
          Brett Miller
          Ashley Hogg
     Join Us
     Footer Pages
          Search
          Site Map
          Privacy Policy
          Disclaimer
          Web Site Administration
     T&W Tips
          Excel Tips
          QuickBooks Tips
          T & W Fun
          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
                    Planning For Retirement
                    Mortgages: Frequently Asked Questions
                    Mortgage Comparison: 15 years vs. 30 years
                    Our Personal Financial Planning Service
                    Roth IRAs: How They Work and How To Use Them
                    The Deductibility of Points
                    Home Mortgage Interest Deductions
                    Getting Divorced or Becoming Widowed
                    Lawyers: How To Choose The Right One
                    Retirement Assets: Frequently Asked Questions
                    Preparing For College
                    Improving Your Retirement
                    Variable Annuity Calculator
                    Life Insurance: How Much and What Kind To Buy
                    Coping with Major Illness
                    Roth IRA Transfer Evaluator
                    Post-Mortem Letter: How To Prepare It and What To Include
                    Roth IRAs: How They Work and How To Use Them
                    The "Nanny Tax" Rules: What To Do If You Have Household Employees
                    Retirement Plan Distributions: How To Take Them
                    Mortgage Reduction Analyzer
                    Homeowner's Insurance: How To Get The Best Coverage and Value
                    Estate Planning Calculator
                    Coping with Death of a Loved One
                    Long-Term Care Insurance: How To Get The Best Deal
                    Annuities: How They Work and When You Should Use Them
                    Document Locator System: A Handy Aid For Keeping Track of Your Records
                    Funerals: What To Do At This Stressful Time
                    Car Insurance: Frequently Asked Questions
                    Your Child's Education: How To Finance It
                    Required Minimum Distribution Calculator
                    Retirement Plan Distributions: When To Take Them
                    Home Budget Analyzer
                    Loan Amortization Calculator
                    Your Child's Education: How To Finance It
                    Retirement Plan Distributions: How To Take Them
                    Getting Married (Or Divorced): Some Financial Guidelines
                    Social Security Benefits Estimator
                    Mortgage Alternatives: How To Choose The Right One
                    Roth IRA Transfer Evaluator
                    Developing a Financial Plan
                    Our Bank Financing Service
                    Tap Your Retirement Money Early and Minimize Penalties
                    Selling Your Home: How To Do It Effectively
                    Roth IRA Calculator
                    Investment Options: Frequently Asked Questions
                    Getting a Loan: Frequently Asked Questions
                    Buying & Selling A Home
                    Getting Married: Frequently Asked Questions
                    Traditional IRA Calculator
                    Loan Amortization Calculator
                    Become a Millionaire Calculator
                    Bank Accounts: Frequently Asked Questions
                    Car Loan Analyzer
                    Financing Questions Answered
                    Loan Comparison Calculator
                    Selling Your Home: How To Minimize the Tax On the Gain
                    Disability Benefits: How To Get All You're Entitled To
                    Roll-Down Your Credit Card Debt Calculator
                    Mortgage Reduction Analyzer
                    Survivor Benefits: A Guide To This Often Overlooked Insurance Add-On
                    Saving Money: 10 Major Ways To Increase Your Nest Egg
                    Social Security Benefits Estimator
                    Home Budget Analyzer
                    Your Credit Card Rights: What To Do If You Have a Problem
                    Car Insurance: 10 Cost-Cutters To Save You Money
                    E-Shopping Tips: Things You Should Know Before You Go CyberShopping
                    Car Lease Vs. Buy Analyzer
                    Loans: Frequently Asked Questions
                    Mortgage Points Evaluator
                    Your Pension: What You're Entitled To
                    Budgeting: How To Prepare a Workable Plan
                    Fraudulent Charities: How To Protect Yourself
                    Applying For a Loan: How To Get The Best Loan At The Lowest Cost
                    HMOs: How To Choose - And Deal With - Them
                    Traditional IRA Calculator
                    Homeowner's Insurance: Frequently Asked Questions
                    Wills: Frequently Asked Questions
                    Annuities: Frequently Asked Questions
                    Cost of Delaying Savings Calculator
                    Recordkeeping Guide: How Long You Should Retain Your Records
                    Dealing with Your Bank
                    Car Lease Vs. Buy Analyzer
                    Debt Consolidation Financial Calculator
                    Disability Benefits: How To Get All You're Entitled To
                    ATM Transactions: Frequently Asked Questions
                    Roth IRA Calculator
                    Developing a Financial Plan: Frequently Asked Questions
                    Life Insurance: How Much and What Kind To Buy
                    Avoiding Scams: Frequently Asked Questions
                    Required Minimum Distribution Calculator
                    Advanced Charity Techniques: Maximizing Your Deduction
                    Credit Reports: Frequently Asked Questions
                    Credit Card Pay Off Calculator
                    Cost of Delaying Savings Calculator
                    Tax Benefits of Higher Education: Frequently Asked Questions
                    Credit Reports: What You Should Know - And Do - About Yours
                    Buying a Home: Frequently Asked Questions
                    Death of a Spouse: Financial Steps You Should Take
                    Buying Insurance
                    Annuities: Frequently Asked Questions
                    Car Loan Vs. Home Equity Loan Calculator
                    Financial Trouble: Frequently Asked Questions
                    Social Security Benefits: How To Get The Maximum Amount
                    Choosing a Professional: Frequently Asked Questions
                    Refinancing Your Mortgage: When and How To Do It
                    Mortgage Refinance Analyzer
                    Social Security Benefits: Frequently Asked Questions
                    College Savings Planner
                    Bank Accounts: What To Look and Ask For
                    Choosing A Professional
                    Mortgage Qualification Calculator
                    Long-Term Care Insurance: Frequently Asked Questions
                    Commercial Loan Calculator
                    Are You Getting Good Financial Advice?
                    Refinancing Your Mortgage: When and How
                    Mortgage Points Evaluator
                    Social Security Benefits: Frequently Asked Questions
                    Checkbook Balancer
                    Retirement Plan Distributions: When To Take Them
                    Your Retirement Plan: How To Get Started
                    Savings After Inflation and Taxes Calculator
                    Credit Reports: Frequently Asked Questions
                    Life Insurance Need Estimator
                    Estate Planning: How To Get Started
                    Mortgage Lock-Ins: Questions To Ask
                    Social Security Benefits: How To Get The Maximum Amount
                    Traditional Vs Roth IRAs: Frequently Asked Questions
                    Disability Benefits: Frequently Asked Questions
                    Home Equity Loans: How To Shop For The One That Is Best For You
                    Annuities: How They Work and When You Should Use Them
                    Long-Term Care Insurance: Frequently Asked Questions
                    IRA's: Frequently Asked Questions
                    Merchant Credit Card Abuses: What They Cannot Ask You To Do
                    Getting a Loan
                    Life Insurance Need Estimator
                    Mortgage Qualifier Calculator
                    Roth IRAs: How They Work and How To Use Them
                    Fraudulent Charities: How To Protect Yourself
                    IRAs: Frequently Asked Questions
                    Handling Other Situations
                    Accelerate Debt Payoff Calculator
                    Car Loan Vs. Home Equity Loan Calculator
                    What Records You Must Keep Relating To Your Charitable Contributions
                    Disability Insurance: What To Look For
                    Getting Out of Financial Trouble: Steps You Can Take
                    Long-Term Care Insurance: How To Get The Best Deal
                    Annuities: Frequently Asked Questions
                    Your Next Car: Should You Buy Or Lease?
                    Loan Comparison Calculator
                    Con Artists: How To Spot and Stop Them
                    Car Insurance: 10 Cost-Cutters To Save You Money
                    Your Financial Plan: Getting Started On a Secure Future
                    Disability Insurance: Frequently Asked Questions
                    Should You Count On Social Security
                    Credit Cards: How To Choose - And Use - Them Wisely
                    Disability Benefits: Frequently Asked Questions
                    Homeowner's Insurance: How To Get The Best Coverage and Value
                    Higher Education Costs: How To Get The Best Tax Treatment
                    Our Personal Financial Planning Service
                    Annuities: How They Work and When You Should Use Them
                    Retirement Plan Distributions: When To Take Them
                    Financial Trouble: Frequently Asked Questions
                    Retirement Plan Distributions: Frequently Asked Questions
                    Retirement Assets: Frequently Asked Questions
                    Car Insurance: Frequently Asked Questions
                    Planning For Your Move: Frequently Asked Questions
                    The "SIMPLE" Plan: A Retirement Plan for the Really Small Business
                    Retirement Planner
                    Getting Out of Financial Trouble: Steps You Can Take
                    Credit Cards: Frequently Asked Questions
                    Getting a Loan: Frequently Asked Questions
                    Commercial Loan Calculator
                    Living Trusts: Frequently Asked Questions
                    Investment Options: Frequently Asked Questions
                    Loan Questions Answered
                    Retirement Planner
                    Become a Millionaire Calculator
                    Traditional Vs Roth IRAs: Frequently Asked Questions
                    Mortgage Alternatives: How To Choose The Right One
                    Mortgage Comparison Calculator: 15 years vs. 30 years
                    Avoiding Scams
                    Buying or Leasing Your Next Car: Frequently Asked Questions
                    Life Insurance: How Much and What Kind To Buy
                    Homeowner Insurance: Frequently Asked Questions
                    Post-Mortem Letter: How To Prepare It and What To Include
                    Charitable Contributions of Property: Maximizing the Deduction
                    Credit Card Pay Off Calculator
                    10 Retirement Saving Tips
                    Buying a Home: What To Do and How To Do It
                    Handling Other Situations: Frequently Asked Questions
                    Mortgage Refinance Analyzer
                    Making Charitable Contributions
                    Saving For College: Frequently Asked Questions
                    Become a Millionaire Calculator
                    Charitable Deductions: Frequently Asked Questions
                    Life Insurance: Frequently Asked Questions
                    Variable Annuity Calculator
                    Social Security Benefits: How To Get The Maximum Amount
                    "Nanny Tax" Rules: Frequently Asked Questions
                    Our Personal Financial Planning Service
                    Selling Your Home: Frequently Asked Questions
                    Developing a Financial Plan: Frequently Asked Questions
                    Our Estate Planning Service
                    Getting Divorced: Frequently Asked Questions
                    Retirement Plan Distributions: Frequently Asked Questions
                    The Deduction For Real Estate Taxes
                    Life Insurance: Frequently Asked Questions
                    Disability Insurance: What To Look For
                    Variable Annuity Calculator
                    Buying & Maintaining A Car
                    Planning Your Estate
                    Our Bank Financing Service
                    Charitable Contributions: Frequently Asked Questions
                    Death of a Loved One: Frequently Asked Questions
                    Loan Amortization Calculator
                    Retirement Plan Distributions: How To Take Them
                    Credit Rating: Frequently Asked Questions
                    Car Loan Analyzer
                    Loan Questions: Frequently Asked Questions
                    Which Moving Expenses Are Deductible?
                    Your Estate and Taxes: Frequently Asked Questions
                    Credit Rating: Frequently Asked Questions
                    Disability Insurance: Frequently Asked Questions
                    Reverse Mortgages: How They Can Enhance Your Retirement
                    Charitable Contributions: How To Give Wisely
                    Improving Your Credit
                    Saving For College: Frequently Asked Questions
                    Social Security Benefits: Frequently Asked Questions
               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
               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
               Useful Resources
                    Internet Links
                    Recommended Books
                    News and Weather
                    Calculators
     Contact Us