Why Us? 

1) One stop, one shop convenience and efficiency: John A. Epeneter is a CPA/PFS, CFP®, CCPS, and CFS. He is able to offer a wide range of services in tax, investment, college, retirement, and other financial planning areas all with the convenience and efficiency of using one office.

2) Excellence in service and thoroughness: John passed the CPA exam at the first attempt with the second highest marks in Massachusetts for which he was awarded the Silver Medal. He passed the CFP® exam at the first attempt, and he obtained a Masters Degree in financial planning with honors.  In client practice, many clients have acknowledged the thoroughness and excellence in service.

3) Extensive experience: John has over 40 years of extensive experience in accounting and taxation for many varied business, trusts, estates, and individual situations, especially with small, closely-held family businesses, particularly startup businesses, and over 7 years experience with financial planning and wealth management.

4) Specialty with college planning:  Because of specialization in college planning (John obtained and maintains the Certified College Planning Specialist credential),  real client-driven value is added to the relationship, which includes the Kaplan Scholarship Starter Kit, tax strategies, financing strategies, loan strategies, and other strategies to cut the cost of college.

5) Specialty with individual retirement accounts, including rollovers IRAs. John is able to help clients avoid losing up to 80% of their retirement funds to estate and income taxes through his expertise with IRAs.

6) Market-beating portfolio performance: During the period January 1, 2001 through December 31, 2006, C.A.R.E. Management and Strategies, Inc.’s overall total portfolio out performed the benchmark Dow Jones Moderate Allocation by 4 basis points, achieving a 9.36% average annual return during this period, which period included the 2001 to 2002 bear market, the worst since the Great Depression.

7) Rigorous investment selection: Mutual funds are selected only if they outperform benchmarks and index funds by a significant margin, at the least risk with the greatest return, and meet other selection criteria.  Because individual securities do not make up the majority of holdings in a customized portfolio, when they are selected, they must meet rigorous selection criteria.

8) Reduced portfolio volatility:  We try to get the asset allocation right for the conditions of the worldwide economy, markets, countries, and types of investments because proper asset allocation explains over 90% of the performance and reduces volatility.

9) Better risk management through timing: C.A.R.E. Management and Strategies, Inc., through various services, strives to manage various risks, including but not limited to severe market declines, significant market corrections, to obtain the best entry and exit points for investments.

10) Personal service:  We strive for a high level of responsiveness and individual attention.