At Stone Carlie, our ultimate mission is a lofty and never-ending quest to “Proactively Contribute to the Financial Success of Our Clients.” There are innumerable facets to that goal – but rest assured, it is a goal that is shared by every Stone Carlie employee. We understand the importance and value of gaining intimate knowledge of clients’ specific industries. Our accountants focus their efforts and are specialists in industry niche areas. This specified knowledge makes them invaluable experts and better able to provide the personal attention our clients deserve. Our commitment to multiple industries goes beyond conventional CPA practices; many of our accountants are dedicated members of industry-related associations and organizations and serve on Stone Carlie industry services teams.
Our Industry Services teams understand the challenges clients currently face and are dedicated to providing them with timely information related to their business and industry. Stone Carlie’s industry-specific Executive Briefing meetings, e-newsletters and email alerts help clients stay abreast of new and changing developments and provide clients with the tools they need to address these issues. Through our staff’s extensive knowledge and experience, we are able to tailor our approach to address both what is important to clients now and what will be important to them as their organization continues to grow.
Stone Carlie’s Lender Advisory Services Group offers professional and reliable financial advisory services; we work closely with internal audit staff and commercial loan officers from many leading financial institutions to ensure thorough and accurate reporting. In addition, we work with business clients to make sure they find the optimum business and financial solutions to support their operating needs. Our efficient and cost-effective services provide experienced insight and ultimately comfort to lenders, business owners and their management teams.
Lender Advisory Services for Financial Institutions:
Lender Review Services
Lender Review Services provides a wide variety of collateral analyses and assessments in an effort to provide lenders with a clear view of how secure their customer’s loans are. Our primary collateral focuses while conducting on-site field examinations are accounts receivable and inventory testing. Other collateral support includes review of machinery and equipment as well as real estate or proprietary information. The Stone Carlie Lender Review Services Group also maintains the experience to conduct New Business Surveys and Loan Workout management strategies in an effort to provide total product base to our clients. Depending upon the needs, Stone Carlie can utilize our own field exam package or existing Lender packages. A full collateral analysis includes, but is not limited to, an assessment of:
- Receivables (Dilution, Invoice Testing, Credit Memo Testing and Ineligibles)
- Accounts Payable
- Inventory Examination
- Physical Inventory Counting & Costing
- Bank Statements & Cash Accounts
- Taxes: Corporate, Payroll, Real Estate
- Machinery & Equipment
- Systems & Controls
- Effective Management Activity
Pre-and Post-Lending Review Services
Our New Business Surveys and periodic Reviews assist you, the lender, with important collateral information from prospective or existing borrowers. This information assists the lender when making proper credit decisions and establishing line of credit facilities. Analyses will provide you with a clear understanding of repayment sources, working asset turnover cycles, strength of collateral and whether reliance can be placed on a business’ operations and internal financial information. Pre-and post-lending review services include one or more of the following:
- Executive Summary
- Business Operations Review
- Financial Review
- Collateral Review & Monitoring
- Collateral Reporting Capabilities
- Management Review
- Adequacy of Operating Systems
Lender Advisory Services for Businesses:
Stone Carlie Lender Advisory Services Group offers businesses a wide variety of business advisory services. You will benefit from our years of experience, as well as from the professional and reliable manner in which we conduct business. We thoroughly understand the important financial drivers and collateral issues of a wide range of industries/businesses. Our team will assist you in finding the right operational and financial solutions which will help obtain your operating cash flow needs and projected success. By understanding your operating goals, we can apply certain actions to improve current operating performance.
Business Lender Advisory Services
- Debt & Line of Credit Restructuring
- Asset Based Examination of Collateral
- Cash Flow Analysis
- Balance Sheet Analysis
- Marketing Analysis
- Identifying Benefits of Investment Capital vs. Bank Capital
- Expense Analysis to Identify Areas of Improvement
- Workout Assistance
Our Lender Advisory Services Can Result in the Following Advantages for Businesses:
- Review & Analyze Collateral Base of Company
- Format Goals & Direction
- Introduce Banking Solutions
- Ways to Improve Collection Cycles
- Quarterly Analysis to Review Performance After Implementing Changes
- Review Existing Marketing and Identify Possible Improvements & New Strategies
The reason Stone Carlie is so respected by the St. Louis medical practice community is that we’ve been immersed in healthcare for over 65 years. Needless to say, all that industry experience is proving to be more valuable today than ever. You can rest assured that our dedicated Healthcare Services Group is staying on top of the ever-changing healthcare rules and regulations so that you can keep your focus where it belongs—on your patients.
Stone Carlie serves a range of healthcare providers and medical practices in the St. Louis area, from solo practitioners to hospital-based practice groups. Our team is made up of expert advisors with proven strategies for maximizing practice profitability and minimizing tax liability. In other words, Stone Carlie’s Healthcare Services Group does far more than prepare tax returns and financial statements. Our team tackles the complexities that may otherwise distract you from your patients and your personal life.
Manufacturing & Distribution
The manufacturing and distribution industries have their own set of unique needs, mostly because their operations extend beyond four walls and, some of the time, beyond state lines and the continental U.S. Stone Carlie has been working with a diverse mix of manufacturing and distribution clients for 65 years. In fact, we have a team of experts whose primary focus is manufacturing and distribution.
Naturally, we offer the full range of accounting, tax, assurance and business planning services you’d expect. But Stone Carlie also provides specialized services unique to manufacturing and distribution including multi-state, local and, when needed, international tax services. You’ll find our people eager to get to know you and learn everything they can about your business and the vision you have for it. We come to the table with a wealth of knowledge concerning manufacturing and distribution in the global marketplace. We can start contributing from day one.
Embarking on a major real estate project or transaction can be one of the most complex financial endeavors your company will undertake. Often, expertise in multiple industry sectors are required to properly structure projects or transactions in order to take advantage of tax opportunities while minimizing your tax burden. The dedicated Real Estate Team at Stone Carlie has years of experience serving real estate clients and bring a host of knowledge and insights in construction, engineering, real estate, accounting, auditing and taxes. We can advise you on the best way to structure your organization and develop financial forecasts - and that’s before you even break ground.
Our Real Estate Team stands ready to provide ongoing guidance and support throughout the life of the project so that you can continue to focus your attention on building your company, not just building a building.
Part of being an elite athlete is learning to shut out the distractions and stay laser-focused on the game. This is why so many professional athletes turn to Stone Carlie. Our Professional Athletes Service Team addresses the complete financial needs of the professional athlete, including multi-jurisdictional tax compliance and planning. We also provide comprehensive financial and retirement planning designed to put you on a path to financial security—or help you lay the groundwork for a career beyond your current professional sports career.
If you’re a hockey player, you’ll be pleased to know that Stone Carlie is the Preferred Taxation Preparer for members of the Professional Hockey Players’ Association (PHPA). Mark W. Paluczak, CPA, MST, CDFA, is Stone Carlie’s main contact for the Association’s members. Mark works closely with professional players at all levels and receives ongoing specialized training in dealing with the unique issues facing professional athletes. As part of our relationship with the PHPA, we are committed to educating you on complex tax issues and other financial related issues. Whether it’s our presentation at your Annual Meeting of Player Representatives, or merely answering your questions over the phone, our goal is to give you a clear understanding of your own financial picture.
Stone Carlie is also the Official Tax and Financial Services Provider for the St. Louis Surge Women’s Semi-professional Basketball Team. In this role, we provide federal and state tax services, year-end tax planning services, bookkeeping services and other financial assistance as needed. No matter what your personal financial goals, no matter what services you need, you’ll always have a trustworthy, highly-skilled advisor working hand-in-hand with you—and is always just a phone call, email or text away.
Life Sciences & Emerging Technologies
Of course not, particularly since our Life Sciences & Emerging Technology Services Group has already mastered tax compliance—and an array of other services a growing business like yours will require. Whether yours is an established entity or a start-up, Stone Carlie is well acquainted with the challenges you’re facing. We’ve been helping a prominent mix of entrepreneurs and business owners in your field. We’ll use our over 65 years of experience to develop strategies designed to help you succeed.
For instance, our dedicated Life Sciences & Emerging Technology Services Group can show you how to leverage assets, plan an advantageous equity structure or attract investment capital. Of course, we can also help you with basic tasks like bookkeeping and payroll. We love what we do and we get just as enthused as our clients do about their hopes and dreams.
For decades, Stone Carlie has been providing sound financial advice to business owners across a variety of professional service industries. Our Professional Services Team stays on top of tax rules and regulations for s corporations, partnerships and LLCs and can offer proven strategies for maximizing profitability and minimizing tax liability.
But we do more than prepare tax returns and financial statements. We manage the financial complexities of business ownership so you can keep your focus where it belongs—on your clients. Whether you’re an architect or a lawyer—whether you’re in need of accounting services or an exit strategy—Stone Carlie has expertise across a wide range of industries and services. Whenever you need us, we’re just a phone call or email away.
Being a not-for-profit organization comes with its own unique set of responsibilities. First and foremost, you must remain above reproach in your financials. And that’s where Stone Carlie comes in. We have served a prestigious mix of not-for-profits for over 60 years, including charitable organizations, foundations, membership organizations, professional and trade associations, social clubs and other organizations that are exempt from federal income taxes under Section 501(c) of the Internal Revenue Code.
Stone Carlie has a dedicated Not-For-Profit Service Group whose sole focus is working with large and small organizations and their boards. Our team is comprised of expert advisors who offer accounting, tax compliance and consulting, assurance services and consulting services. It’s the specialized services we offer that set Stone Carlie apart. Whether it’s budgeting and cash flow analysis, or internal control improvement, our Not-for-Profit Team is there to help. We’re also well versed in OMB A-133 audit and compliance requirements and potential unrelated business income tax issues. Our team will educate your board members about the unique responsibilities that go hand-in-hand with serving on a nonprofit board. At Stone Carlie, we feel a special devotion to exempt organizations. We take pride in using our expertise to advance a worthy cause.