For over six decades, Stone Carlie has evolved from a traditional CPA firm that performs tax, accounting and assurance services to one that meets the changing needs of our clients.  The business environment our clients face is constantly changing – sometimes for the better but more recently, for the worse.  Each of these dynamics present new challenges and opportunities and our job is to help our small business and middle-market clients adapt and thrive.  That is why we continuously add strategic services and experienced professionals to help our clients navigate their path to success. Stone Carlie is a financial services company anchored by a CPA firm.  The days when growing entrepreneurial organizations just needed their CPA firm to prepare their financial statements are over.  Those numbers tell an incredibly important story about our client’s companies, their goals and objectives. Our people help clients understand that narrative and collaborate on decisions to contribute to their financial success.

It’s about the experience… beyond the numbers.

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Our “going beyond the numbers” approach to audit engagements starts well in advance of your year-end.  We take the time to consult with you throughout the year in order to more fully understand your business and concerns. This allows us to take a more proactive approach in advising you on issues as they arise. We also begin the audit process prior to year-end by performing planning and other audit procedures. This allows us to perform a more effective and efficient audit, which translates into other benefits like saving your staff time and more timely tax filing. We feel our approach can add value to a process that is otherwise perceived as a sunk cost. We strive to proactively contribute to your financial success by giving you a return on your investment in the audit process.

Getting Done with credit

SC Credit Advisors

SC Credit Advisors, L.L.C. (SCCA) assists private middle market companies and financial sponsors with capital raising, mergers and acquisitions (M&A) and restructuring. We also provide strategic and credit-related advisory services to middle market companies, lenders, financial sponsors and high-net-worth investors. Our goal is to develop and implement creative and practical financing solutions for our clients, allowing them to focus on running their business. Our team has executed over 100 transactions, worth over $5 billion, through all types of economic environments. We have the experience, and connections to financing sources nationwide, to assist clients with raising capital for growth, M&A and restructuring situations.

Shaking Hands

Trusts & Estates

The transfer of wealth is not just a financial consideration - it’s a deeply personal one. That’s why Stone Carlie’s Trusts & Estates Services Group works very closely with you to make sure that your wishes are carried out. We’re with you every step of the way, from helping you establish your financial goals to assisting with the transfer of assets to your loved ones, beneficiaries and trusts. Our experts stay on top of the ever-changing regulations pertaining to transfer of assets. We stay abreast of new planning strategies that enable you to minimize gift and estate tax liabilities. In other words, we navigate the many complexities of estate planning, allowing you to keep your focus where it should be—on your family and your business.

Lendor Advisory

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:

  1. 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:

    1. Executive Summary
    2. Business Operations Review
    3. Financial Review
    4. Collateral Review & Monitoring
    5. Collateral Reporting Capabilities
    6. Management Review
    7. 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
Home Insurance

Wealth Advisory and Insurance

Whether you’re a professional athlete, entertainer, senior executive, part of a multi-generational family business or you’ve just won the lottery, managing, growing and protecting your wealth is one of the most critical challenges you will ever face. At Stone Carlie, we believe that the key to long-term financial success is the development of a disciplined investment approach. In fact, our experienced investment advisors can work with you to design a personalized plan based on your goals and risk profile. Our fee structure, based on fees instead of commissions, assures independence and objectivity when rendering investment advice. In other words, our clients’ interests always come first. Wealth management is more than investing. It starts with understanding the various stages of life and assessing our clients tolerance for risk. As a financial services company anchored by a CPA firm, we use our broad based business knowledge to help our clients achieve their goals. We are also able to use our expertise in income tax and estate planning to benefit our clients.

Taxes and Money

Tax and Business Services

Stone Carlie offers a full menu of traditional CPA services that minimize your tax burden and fulfill compliance obligations.  But we do more than just work with your numbers - we listen intently to the story they are telling. To help you achieve your goals, we first gain insight into your personal and business financial needs, assess your tax situation and then develop a comprehensive tax plan. Ever-changing tax laws create a complex maze and we can help you navigate it.  Our clients are a diverse group, from owner-managed businesses to not-for-profit organizations to publicly-traded companies, as well as high-net-worth individuals and families. For concerns or questions about your taxes, Stone Carlie’s Tax & Business Services Group can offer you practical tax advice that helps keep more money in your pocket. Our professionals’ meaningful advice and direction on personal tax situations, estate tax structure and preparation or business tax planning will enhance your well-being now and in the future.

Litigation Support

Disputes and differences are unfortunate, but they occur. Stone Carlie’s Litigation Support Services Group focuses on assisting affluent couples in the process of divorce and business owners who are having a dispute. Our team has participated in several hundred cases involving these types of matters. During these trying times, we are here to help get to a resolution. It takes a team to handle these matters. We are accustomed to working with the parties involved, their lawyer(s) and other professionals who may be needed. We understand the extreme confidential nature of what’s involved and the difference between confidential communications and privileged communications. We are capable of assisting you through the entire process: from beginning through the analysis and, if needed, depositions, testimony and rebuttal of the opposing expert’s work.

Life After the Dispute

What about life after the dispute is resolved? Since we will be a part of the team through the dispute, we have the insight to help with your continuing financial matters.

Tax Consulting ServicesTax Compliance ServicesWealth Management Services
  • Federal Tax Consulting
  • State and Local Tax Consulting
  • Multi-state Issues
  • International Issues
  • Federal Tax Returns
  • State and Local Tax Returns
  • Investment Advisory Services
  • Employee Benefits
  • Retirement Planning
  • Insurance: Life, Disability & Long-term Care

We are available to help or to answer any initial questions you may have.

CFO Solutions

Clients tell us the most impressive thing about Stone Carlie’s CFO Solutions Group isn’t merely our wide range of integrated and affordable accounting and finance, internal control, information technology and operations-related solution skills and abilities. It’s the confidence they feel knowing they’re working with senior professionals who have previously held positions as CFO, Vice President of Finance, Controller, Financial Reporting Manager, Director of Internal Audit and CIO. In other words, when clients work with Stone Carlie, they know they are working with a team of professionals that will get the job done. That means we’ll never come to you with cookie-cutter solutions. Instead, our experts will take the time to understand your unique needs and challenges. Then we’ll craft integrated and multi-disciplinary solutions that address them, no matter how complex they are. Since each solution is unique, the value of having people with relevant, real-world experience cannot be overstated. Most of our team members hold professional certifications and advanced degrees and have the benefit of both public accounting and industry experience. They embrace industry best practices and professional standards. Averaging over 20 years of experience, they excel at developing pragmatic and cost-effective solutions.

Systems Security & Process Assurance

Whether your system is running continuously connected e-commerce, or handling ultra-sensitive data like medical records, information is your greatest asset. Unfortunately, the risk of compromise increases every day. The only way to know for sure that your data is safe and reliable is to put your system to the test. Stone Carlie’s Systems Security & Process Assurance Group takes a comprehensive approach when evaluating your system. We don’t merely test your equipment and software—we also take a long, hard look at your procedures, your data and your people. Our team’s compliance-based engagements cover Service Organization Control (SOC) Reporting, Sarbanes-Oxley, HIPAA and more. Our team director is one of the foremost experts on system security, speaking nationally and publishing numerous articles on the subject. At a time when regulators are pushing harder for enhanced security and process assurance; when third-parties are showing a preference for companies that test systems and their environment; Stone Carlie’s services can increase your credibility and give you a competitive advantage. Equally important, your management and board members can rest easy knowing Stone Carlie has put all of your systems to the test and recommend any necessary corrective measures or improvements.

Valuation Services

Establishing the value of a business or its underlying assets is a complex process. It requires a multi-dimensional examination of the business including a thorough analysis of pertinent operational, financial, industry and economic data. Ultimately, it’s the appraiser’s experience that allows them to assimilate this data and provide a valid opinion of value. So choosing the right appraiser is essential. The four most senior members of Stone Carlie’s Valuation Services team have over 100 years of combined valuation experience and bring the benefit of professional training and third-party objectivity to conduct your valuation effectively. They have also achieved numerous industry designations such as Certified Valuation Analyst (CVA), Accredited in Business Valuation (ABV) and Chartered Financial Analyst (CFA). Our experts won’t merely scan the ledgers. They’ll actually take the time to get to know you and to familiarize themselves with the ins and outs of your industry before arriving at a conclusion. So whether you’re seeking valuation for financial or tax reporting, personal or business planning, or for purposes of litigation, you owe it to yourself to get the most thorough and accurate valuation possible from people you can trust to provide an objective—and supportable—opinion.