LVB: In November, RKL launched RKL Private Wealth. Why did the firm decide to do this and how does it fit in with RKL’s other offerings?
Peer: At RKL, we’re always exploring ways to better serve our clients’ needs by bringing together the best of our capabilities and expertise. RKL Private Wealth is the latest example. We know there’s a lot of complexity that comes along with significant wealth, so we designed this enhanced service model to help high-net-worth individuals and families navigate it all.
LVB: What kind of services does RKL Private Wealth offer?
Peer: RKL Private Wealth encompasses many of the services we offer to clients, with integrated planning, coordination and execution. This personal financial and legacy planning approach leverages RKL’s expertise in investment management, business succession, tax compliance and planning, estate and trust services and more.
LVB: How can having this division bolster RKL’s ability to serve its clients?
Peer: Businesses succeed in large part due to a talented team of experts working together to implement strategy and achieve goals. We think that owners and their families should manage their personal financial matters in a similar fashion. Our specialized advisors work in concert to manage all the details, keep our clients on track and protect their upward trajectory of wealth.
LVB: What are your goals for serving your Private Wealth clients?
Peer: Though we’re dealing with dollars, we’re focused on the meaning behind the money. We start each Private Wealth relationship with big-picture questions about needs, objectives and motivations. This allows us to make values-based decisions and develop a customized wealth strategy that gives our clients greater clarity, confidence and peace of mind.
LVB: In November, RKL launched RKL Private Wealth. Why did the firm decide to do this and how does it fit in with RKL’s other offerings?
Peer: At RKL, we’re always exploring ways to better serve our clients’ needs by bringing together the best of our capabilities and expertise. RKL Private Wealth is the latest example. We know there’s a lot of complexity that comes along with significant wealth, so we designed this enhanced service model to help high-net-worth individuals and families navigate it all.
LVB: What kind of services does RKL Private Wealth offer?
Peer: RKL Private Wealth encompasses many of the services we offer to clients, with integrated planning, coordination and execution. This personal financial and legacy planning approach leverages RKL’s expertise in investment management, business succession, tax compliance and planning, estate and trust services and more.
LVB: How can having this division bolster RKL’s ability to serve its clients?
Peer: Businesses succeed in large part due to a talented team of experts working together to implement strategy and achieve goals. We think that owners and their families should manage their personal financial matters in a similar fashion. Our specialized advisors work in concert to manage all the details, keep our clients on track and protect their upward trajectory of wealth.
LVB: What are your goals for serving your Private Wealth clients?
Peer: Though we’re dealing with dollars, we’re focused on the meaning behind the money. We start each Private Wealth relationship with big-picture questions about needs, objectives and motivations. This allows us to make values-based decisions and develop a customized wealth strategy that gives our clients greater clarity, confidence and peace of mind.
Small employers who start new employee retirement plans under Secure Act 2.0 passed by Congress at the end of the year will find themselves faced with more paperwork for their efforts.
Deborah Lander, senior retirement plan advisor with Lancaster-based RKL Wealth Management, said the extra paperwork will come from the provision that will require automatic enrollment in plans starting in 2025.
Deborah Lander –
Secure Act 2.0 states employers with more than 10 workers that start new 401(k) plans after the new law takes effect beginning with the plan years in 2025 will be required to automatically enroll employees and have them set aside 3% to 10% of their earnings every year. Those employees who don’t want to participate would have to opt out.
“Some employers don’t like automatic enrollment. It can be more paperwork and if an employee doesn’t understand and sees money being taken out of the paycheck, it can cause issues,” Lander said.
However, to encourage employers to set up these plans, there will be a 100% tax credit for employers, giving them up to $5,000 for the costs of starting a plan, with a $1,000 per employee cap.
“Payroll systems may have to change,” Lander said, to ensure contributions are handled correctly. “We’ll have to see how this plays out.”
Overall, Lander said the act is a good incentive to encourage retirement savings.
William Onorato –
Her colleague William Onorato, RKL’s Family Office Practice Leader, agreed, saying the act, which picks up on Secure Act 1.0 passed in December 2019, will “encourage broader participation in retirement savings by making accounts more user friendly.”
The biggest area of change Onorato sees is the increased age for mandatory distributions. Prior to the changes, people were required to take money out of their retirement accounts at age 70 1/2. Secure Act 1.0 changed that to age 72 and the new provisions increased it to 73 beginning in 2023 and to 75 in 2033. However, anyone who has already started drawing on an account will have to continue to do so.
“In reality, this is not significant,” he said.
He explained that most people who retire by age 70 will draw on their retirement accounts anyway. The biggest benefit, he said, will be for those higher income earners who can let assets grow tax deferred longer.
“But even for higher income earners, from an income tax perspective, it may be better to take money earlier to spread the tax burden out over a longer number of years.”
That is because most retirement accounts are tax deferred. Only Roth IRAs and Roth 401(k) plans are post tax, he said.
“For most people, this will not have a huge impact,” he said noting the House version passed in 2022 by 414-5 votes, showing there was not a lot of controversial stuff in it. “The changes are nice, but the impact will be modest.”
Lander said one provision she sees as a real benefit is the Emergency Savings provisions that can be used for emergencies.
Starting in 2024, Secure Act 2.0 allows emergency withdrawal of up to $1,000 from a company retirement plan or IRA without the standard 10% early penalty of pre-tax money. The second allows creation of an emergency savings account linked to 401(k) plans. Workers could set aside up to $2,500 and their employer may set up to have a 3% automatic enrollment of their salary in these plans with Roth after-tax dollars having a cap of up to $2,500. In an emergency, they could withdraw money tax-free and without paying the standard 10% penalty for money taken out before age 59 1/2.
“The Roth emergency savings is more like a savings account instead of a retirement account. It looks like employees can take this yearly. We’ll have to see as more information comes out,” Landers said, adding it would be a great incentive for people who don’t feel like they have the money to contribute to retirement because they don’t have enough emergency savings.
For younger workers, the provision that allows for employer contributions to be made into Roth accounts can be beneficial, she said.
“Employer contributions were pretax in the past, meaning the taxes had to be paid upon withdrawal. Now, employees can choose all Roth and pay taxes now and let the money grow without worrying what the tax rate will be later,” Lander said.
Another plus for younger employees, Onorato said, is the provision that allows employers to match 401(k) contributions to student loan debt.
“Young workers with student loan debt can’t save for retirement,” he said. Employers who opt to match that debt with contributions can help employees start saving.
“It’s not required so we’ll see how many employers will do this,” Onorato said.
Both agreed the new provisions are extensive and span several years. While both think the new rules are beneficial, they said time will tell how impactful they are.
RKL Lehigh Valley Managing Partner Michael Stoudt (second from right) cuts the ribbon at the firm’s expanded Allentown office, joined by (left to right), Frank Facchiano of the Greater Lehigh Valley Chamber of Commerce, Allentown City Councilman Daryl Hendricks, RKL Tax Service Line Leader and Partner Wendy Lance and a staff representative from Congresswoman Wild’s office.
Lancaster-based CPA and advisor firm, RKL, is continuing its expansion in the Lehigh Valley.
One year since the launch of its Allentown location, the firm said it has more than tripled its office space and added new areas of specialized expertise to its local team of advisors.
The firm said it sought to expand into the Lehigh Valley because of the demand it saw for its accounting, financial management, technology and workforce solutions among companies and organizations in the area.
“We opened our office in Allentown to be closer to many valued clients, but we always knew there was unlimited potential to serve the regional business community,” said RKL CEO Ed Monborne. “We’re proud that our growth in the Lehigh Valley allows us to help even more organizations reach the next level.”
This summer, RKL expanded its space in the Butz Corporate Center from 2,600 to 8,400 square feet.
The added office provides more space for client meetings and team collaboration, and better accommodates RKL’s growing team in the region.
In the past several months, three team members have transferred to Allentown from other RKL offices, including Zachary Galloway small business services manager; Jeremy Schultz, small business senior associate and· James Ruffin, Assurance and Advisory manager
These recent additions have grown RKL’s Allentown office staff to 14 professionals and created a local base of expertise in IT risk assessment, SOC reporting and employee benefit plan audits.
Additionally, Eric Williams, an existing Allentown team member, recently took on a new role as a wealth analyst, serving the financial and legacy planning needs of high-net-worth individuals and their families.
From left: Nicholas Boyer, partner, chief investment officer and senior vice president; Laurie Peer, partner and president and Brandon Adams, senior portfolio manager will lead RKL Private Wealth. PHOTO/SUBMITTED –
RKL LLP, which has offices in Lancaster and the Lehigh Valley, has launched a new group of services aimed at people with significant wealth.
The services include financial planning, tax, investment and advisory services, which are tailored to families and individuals with more sophisticated wealth management needs.
Known as RKL Private Wealth, the services are a unified approach to personal financial and legacy planning that leverages the firm’s expertise in investment management, business succession, tax compliance and planning, estate and trust services and more.
“There’s a lot of complexity that comes along with significant wealth, so we designed RKL Private Wealth to help individuals and families navigate all of it,” said RKL CEO Ed Monborne. “Together, we guide clients through decisions and planning today to achieve their unique aspirations tomorrow.”
RKL Private Wealth offers a continuum of services to create and grow wealth, prepare assets for transfer and prepare recipients to receive the assets.
The firm said the services are united around the client’s vision and values, with RKL’s wealth advisors, portfolio managers, investment analysts, business strategists, estate planners and tax professionals designing a comprehensive plan to turn life and legacy plans into reality.
Brynn Schafer and Amanda Miller, both client service managers with RKL Virtual, sit with Gretchen Naso, RKL Virtual president. PHOTO/PROVIDED –
A new subsidiary allowing business leaders to focus on optimizing and managing the accounting, finance, and workforce functions of organizations nationwide has been introduced by Lancaster-based RKL LLP.
Built from the CPA and advisory’s firm lineup of outsourced services, RKL Virtual Management Solutions LLC (RKL Virtual) will serve as a platform for continued growth.
“With RKL Virtual Management Solutions, we’re transforming the conventional outsourcing model into an opportunity to leverage talent, processes and technology to help organizations work smarter, perform better and achieve goals,” RKL CEO Ed Monborne said. “It’s an exciting time at RKL as we once again expand the notion of what’s possible for our team and our clients.”
Outsourced accounting, financial management, and human resources are offered by RKL Virtual, which combines credentialed advisors with best-in-class technology to elevate day-to-day management of core business functions into opportunities for streamlined operations, better insights, and accelerated growth.
“Over the past few years, owners and executives realized that what got them to this point won’t get them to the next level, which generated explosive demand for our outsourced back-office services,” Bethany Novis, managing partner of RKL Virtual Management Solutions, said. “RKL Virtual gives us a scalable platform to address this desire for forward-looking support.”
Novis is a member of a nearly all-female leadership team leading RKL Virtual. Novis focuses on building a strong growth foundation for RKL Virtual.
The team includes:
Gretchen Naso, president of RKL Virtual. Naso leads operations and manages strategic goals and growth targets.
Stephane Smith, managing director of workforce strategies. Smith leads the delivery and development of human resources and compensation services.
Ryan Moore, partner and managing director of finance and operations. Moore leads the delivery and development of outsourced accounting and financial management services.
RKL LLP is an advisory firm with offices located in Reading, Allentown, York, Chambersburg, Mechanicsburg, and Exton.
It may be more than halfway through 2022, but accountants are steal dealing with the 2021 tax return season thanks to pandemic related changes and backlogs with the Internal Revenue Service.
Ruthann Woll –
Ruthann Woll, a tax partner and CPA with RKL LLP, said millions of people have still not received their rebate checks and some have not yet filed their return because of some of the reconciliations that needed to be done because of COVD relief stimulus from the federal government.
“We’re dealing with the reconciliation of the third recovery rebate payment of $1,400, which was made in January of 2022,” she said.
She said the new advanced child credit also needed to be reconciled on families’ tax returns.
Stephanie Kane, senior manager in RKL’s tax services group, said the same is true for many businesses.
Tax incentive programs due to Covid-19, such as PPP forgiveness and ERTC credits, impacted returns again this year. PPP forgiveness was tax free money, while ERTC credits actually increased taxable income for businesses. For that reason, Kane said careful planning is important for businesses filing their tax returns.
“Certain tax rules changed for 2019 and 2020 were reinstated for 2021,” said Kane. “Excess business loss limitations and interest expense limitations had been lifted to help with cash flow for Covid-19. They are now back in place.”
Stephanie Kane –
The need to address many of those reconciliations and tax changes caused many to file for deferment, to give them more time to work out the implications.
Woll said the IRS had 54 million tax returns filed by the original April deadline but expects around 160 million returns to be filed by October of this year.
Woll said those deferments have added to a number of other problems the IRS has been dealing with in handling the late and more complex returns, the IRS still hasn’t processed about 2 million returns that were expected to be refunds.
Part of the problem, she said, is that the IRS, like many employers, is dealing with a staffing shortage.
However, the IRS has been hiring more workers to help deal with the backlog.
But the IRS is also facing problems with the increase in fraudulent returns that began during the pandemic, a similar problem that the Department of Labor & Industry had with unemployment compensation claims.
“The last two years it’s been a really crazy environment to help the taxpayers through,” said Woll.
However, Kane said things should be a little easier heading into the 2022 tax season.
“Looking to the 2022 tax year a lot of the same things will impact our tax season coming up,” she said. “Practitioners should be working with clients on their quarterly estimates to make sure these items are being accounted for correctly and that there are no surprises for owners on these specific items. We don’t have significant tax overhaul concerns for 2022 at this point. Just making sure we are adjusting and taking into consideration the items we are aware of and their impact on taxes and cash flow.”
Lancaster-based RKL LLP named one of its partners from Berks County to lead the firm’s Small Business Services Group.
Dan Nickischer – PHOTO/PROVIDED
Daniel Nickischer will lead a team of RKL advisors to serve the tax, accounting and financial needs of small business owners and direct firm wide efforts related to quality control, client service and workforce development.
He succeeds James Ostrowski who led the Small Business Services Group for seven years and remains a partner with the firm, RKL said.
“We congratulate Dan Nickischer as he embarks on this opportunity to help shape our firm’s future, advance our strategic objectives and enrich the lives of our team and clients,” said RKL CEO Ed Monborne. “We also acknowledge Jim Ostrowski’s leadership and contributions to the growth and evolution of the Small Business Services Group over the past seven years.”
Nickischer specializes in compiled and reviewed financial statements, employee stock ownership plan accounting, and corporate, partnership and individual tax services, the firm said.
He earned the Certified Construction Industry Financial Professional designation in January 2020. He is a member of the American Institute of Certified Public Accountants, Pennsylvania Institute of Certified Public Accountants and the Construction Financial Management Association.
Nickischer holds a B.S. in Accounting from West Chester University and a B.A. in Criminal Justice from the University of Pittsburgh. He resides in Amity Township, Berks County, with his wife and daughter.
Michael De Stefano is named chief operating officer for RKL PHOTO/PROVIDED –
RKL LLP named Michael De Stefano as chief operating officer.
The CPA and advisory firm, with offices in Reading and Allentown, said De Stefano was promoted from CFO and joined the firm’s partnership April 1.
In the new COO role, De Stefano will oversee the firm’s finance, IT, HR, administrative support and building and asset management functions from the Lancaster office, the company said.
CEO Ed Monborne will remain focused on executing RKL’s strategic objectives and shaping the firm’s future through new service development, innovation, M&A opportunities and leadership pipeline.
“As we continue to help our clients get future-ready, we must do the same here at RKL,” said Monborne.
“Mike is a well-respected leader at RKL whose attention to detail, pursuit of efficiency and commitment to excellence make him a perfect fit for our new COO role,” he said.
De Stefano served RKL as an audit manager when he joined the company in 1995. He left to join a Central PA-based transportation and logistics company in 2009 as controller and eventually CFO and vice president of finance.
De Stefano, who rejoined RKL in 2019, will continue to oversee RKL’s finance function as a COO and the firm’s current corporate controller and financial controller will assume day-to-day management of the Finance Department.
De Stefano is a member of the American Institute of Certified Public Accountants (AICPA), the Pennsylvania Institute of Certified Public Accountants (PICPA) and Institute of Management Accountants (IMA). He holds a Bachelor of Science in Business Administration from Bloomsburg University.
De Stefano and his family reside in Elizabethtown.
Mergers and acquisitions are rebounding now that the pandemic has ebbed, according to a report just released by RKL LLP.
The accounting and consulting firm looked at the M&A activity in the Central and Southeastern Pennsylvania region, which includes the Lehigh Valley, Berks County, Central Pennsylvania and Philadelphia regions and found that all except the Lehigh Valley have M&A activity in medium to large market companies that are at pre-pandemic levels or higher.
“There was really a strong rebound across the board within the region from late 2020 and throughout 2021,” said RKL Partner Ryan Hurst, who heads the firm’s Transaction Advisory Services Practice.” The Lehigh Valley had a decent year, but definitely not as strong as pre-pandemic levels.”
According to the report, 18 businesses were acquired in the Lehigh Valley, which includes Lehigh, Northampton and Schuylkill counties.
That’s down from the 22 acquisitions in 2019, but higher than the 11 in 2020.
Hurst said that in the Lehigh Valley, manufacturing and distribution saw the largest number of mergers and acquisitions.
“That’s no surprise,” he said. “Manufacturing and distribution was the largest industry in the Lehigh Valley in 2021. When there’s lots of those kinds of companies, you’ll naturally have those kinds of acquisitions.”
All totaled, manufacturing and distribution, consumer and retail, and health care were the top three industries for mergers and acquisitions in 2021.
M&A activity in Berks County increased above pre-pandemic levels, according to the report.
There were 24 mergers and acquisitions in Berks County in 2021. That’s up from 19 in 2019 and 16 in 2020.
Buyer activity was the primary driver while purchasable targets in the market held at the 2020 level. With seven acquisitions in 2021, Rentokil North America was a major contributor to Berks M&A activity.
In the Capital region, the area surrounding Harrisburg, M&A activity surged in 2021 to well exceed pre-pandemic levels.
Mergers and acquisitions rose to 74 in 2021, more than double the 30 in 2020 and significantly higher than the 27 in 2019.
Ryan Hurst –
The number of Capital Region buyers was in line with 2018 and 2019 levels, while targets more than doubled.
Financial was the strongest industry, led by insurance brokerage deals, which included nine acquisitions by Keystone Agency Partners alone.
The Greater York region, which includes York, Adams and parts of Cumberland and Franklin counties, witnessed less contraction in 2020 compared to other markets. It also experienced a smaller rebound in 2021.
There were 25 transactions in 2021, the same as in 2020, but higher than the 22 in 2019.
Manufacturing and distribution remained the hot industry, with four transactions in the paper products segment and three involving food products companies.
Activity in the Lancaster market also increased over pre-pandemic levels.
In 2021, Lancaster buyer activity fell by half while targets more than doubled. Manufacturing and distribution was the leading industry group, which was consistent with prior years.
Total transactions for 2021 were at 34 compared to 22 in 2020 and 31 in 2019.
Private equity firms and sponsored companies had significant interest in the Lancaster market in 2021, said Hurst, with 12 targets in the market acquired by these buyer types. The most active acquirer was Lancaster-based PennSpring Capital.
Transaction activity in Suburban Philadelphia in 2021 surged compared to 2020 and 2019.
There were 374 total transactions in the market in 2021 compared to 246 in 2020 and 289 in 2019.
The report shows this was driven by both in-market buyers and sellers. This market is home to substantially more private equity backed and publicly traded companies than other markets in the region.
In 2021, these types of buyers accounted for 63 percent of the acquisitions by a suburban Philadelphia company. Private equity groups and publicly traded companies located in the market returned in force after a large decline in 2020. Manufacturing and distribution and services represented the two largest industry groups for this market in 2021.
Hurst said there was an overall increase in merger and acquisition activity from private equity investors.
In the Lehigh Valley region alone, 11 of the 18 transactions involved private equity firms.
In fact, he said that market is so strong there are more investment dollars out there than there are attractive targets.
“There’s a ton of capital available that we refer to as ‘dry powder,’ money that’s been committed that hasn’t been spent,” Hurst said. “They’re raising funds faster than they can spend it.”
Looking to the future and the remainder of 2022, Hurst said he expects continued strength in mergers and acquisitions. There are, of course, a number of factors that could impact deals.
He said geopolitical issues, such as Russia’s attack on the Ukraine, the possibility the Fed raises the interest rate, supply chain problems and inflation are all possible detractors for M&A activity, but even with those factored in the field appears to remain strong.
LVB: RKL has been expanding a great deal lately. Why are you looking to grow?
Monborne: Merging in Allentown-based Stoudt Associates on Nov. 1 gave us a deeper bench of local talent. We already had a number of valued clients in the Lehigh Valley, so we’re excited to be closer to them and also to build new relationships. Today’s organizations and their leaders face a number of business, management and financial challenges and opportunities, and RKL is well-positioned to be a leader in helping them navigate these complexities.
LVB: What areas are you looking to expand into?
Monborne: Following our successful Lehigh Valley expansion, we announced another merger with a Chambersburg-based firm on Jan. 1. It’s exciting and optimistic to wrap up 2021 and kick off 2022 by writing new chapters of the RKL growth story.
Over the past year, we’ve expanded our specialized expertise with solutions in areas like HR consulting, data analytics, outsourced accounting solutions and information systems assurance and advisory capabilities. We will continue to invest in these areas and support new professional interests among our team. In the past few years alone, our knack for synchronizing individual interests with emerging demand resulted in the expansion and growth in these specialty areas.
The sky is the limit in terms of what our team will develop next, working together and listening to and learning from our clients. I believe this professional development approach is one of the main reasons we’ve been named one of the Best Places to Work in PA for five years running.
LVB: The technology being used in the industry has been changing, how have you adapted?
Monborne: One of the bedrocks of our latest strategic plan is innovation and excellence. Technology plays a major role here as we maximize the use of tools and systems to increase client convenience, access and satisfaction. It also keeps our team connected and supported as they devise new ways to deliver seamless service and solve pressing and emerging challenges.
LVB: What are the latest trends in the industry that impacting RKL and others?
Monborne: The public accounting industry is shifting from a purely compliance-oriented service approach to a more proactive, advisory model. Clients assume technical proficiency as a baseline – what they really want and need is a higher level of strategic guidance to navigate a changing landscape. Technology plays a role in this evolution, and at RKL we’ve certainly embraced tools that can produce efficiencies and free up more time for collaboration and innovation. But where it really begins is a shift in mindset that we encourage and practice among the RKL team – always inquisitive, never complacent and keeping one eye on the horizon for what’s next.
Consistently exceeding our clients’ expectations goes a long way toward earning their trust and loyalty.
LVB: What’s in the future for your firm?
Monborne: I’m excited and inspired about the new year at RKL. We are in the midst of executing our latest strategic plan, as mentioned before. As we devised it, we challenged ourselves to think bigger and envision firm’s future amidst an economy and industry that are rapidly changing. The plan is roadmap over the next few years to challenge the status quo and create opportunities for us all as we continue to grow as a leading partner for cross-disciplinary solutions.
Michael T. McAllister was named partner with Wyomissing-based RKL LLP’s Audit Services Group Jan. 1.
“Michael is a respected security and technology expert who supports regional business leaders as they navigate an increasingly complex environment,” said RKL CEO Ed Monborne. “We’re proud to admit Michael to the firm partnership and position him to help even more organizations in a wide range of industries reduce risk, improve effectiveness and get ready for what’s next.”
Since joining RKL in October 2019, McAllister broadened the firm’s lineup of IS assurance and advisory services to include IT governance, reevaluation and design; System and Organization Controls (SOC) reporting and readiness; cybersecurity assessments; business continuity planning and recovery support; network security and vulnerability testing; and QA/IV&V (Quality Assurance, Independent Verification and Validation) engagements.
Throughout his 25-year career in accounting and computer science, McAllister has focused on strengthening internal controls for clients in a variety of industries, including manufacturing, retail, technology and financial services, and implementing comprehensive risk management across their full technology infrastructure.
A Certified Public Accountant, McAllister is a member of the American Institute of Certified Public Accountants and the Pennsylvania Institute of Certified Public Accountants. He holds the Certified Information Technology Professional (CITP) and Certified Information Systems Auditor (CISA) credentials.
McAllister earned his B.S. in Accounting with a minor in Computer Science from Kutztown University and Penn State University. He resides in Schaefferstown with his wife and family.
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