Featured Client: Johann Paul Jewelers

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The designers at Johann Paul produce exquisite hand-engraved jewelry that is enjoyed all over the world.  Ghirardo CPA handles their financial records with the same care and attention to detail that they give to their fine custom jewelry designs. We put their accounting records under the "loupe", checking for “cut, clarity, and color”, and reconciling to all vendor and financial institution statements for both current and historical data. We ensure that quality and value is retained in all of their business records, systems, and procedures. With Ghirardo CPA as their trusted partner, Johann Paul is growing and shining as one of the Bay area's premier jewelers, confident in the knowledge that their financial needs are being met.

Johann Paul Jewelers

What the Client has to Say:

"Ghirardo CPA handles our business and personal tax, finance, and accounting needs.  They are full service and do a very good job.  They continue to streamline our business and help us with our accounting, taxes, real estate, retirement plans, and freeing up our time.

Jim Teague is the best. He has helped us all along the way, bringing in all the resources and expertise we have needed to grow and evolve our business.  Jim has been very supportive and is always on top of everything we need.  We value his business help and friendship. Ghirardo CPA is the complete package, and we highly recommend the firm!"

--Johann deBlaauw, Johann Paul Jewelers

Our commitment to helping our clients succeed is the cornerstone of our business. Let us know how we can assist you.

Excel Tip: Estimating Mortgage Payments

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With mortgage rates still hovering around historic lows, you might be wondering whether you can afford to purchase a new home or if you would benefit from refinancing your home mortgage.  Here is a quick way to use Excel to calculate what your new monthly payment would be.  Type this formula into any cell in an Excel spreadsheet to calculate the monthly payment (principal + interest) on a fully-amortizing mortgage loan.

=PMT(interest/12, term, balance)

  • interest = the annual interest rate, entered as a decimal
  • term = the loan term in months
  • balance = the loan balance, entered as negative

For example, for a 110-month loan at 6.5% with a balance of $405,000, you would enter:

=PMT(0.065/12, 110, -405000)

If you determine that your monthly savings from refinancing would be enough to justify the transaction costs, the next step is to determine if you qualify.  For most people that purchased their homes in the last decade, the biggest hurdle to refinancing is not having enough equity.  Fortunately, even people with little or no equity in their homes may still have a chance to refinance, particularly if their existing mortgage is being held by Fannie Mae or Freddie Mac.

If you would like some assistance in determining whether you might benefit from refinancing, or if you would like the name of a trustworthy mortgage professional who can help you explore your options, then your friends at Ghirardo CPA are ready to assist you.

Featured Client for June 2011 - Indian Valley Golf Club

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Jeff McAndrew “Ghirardo CPA has been our CPA for many years...they consistently provide a high level of professional service for our businesses. Their staff is knowledgeable, prompt, and accurate. I have faith in their tax and accounting services for our local, family-owned business.“

-- Jeff McAndrew, General Manager Indian Valley Golf Club

At Ghirardo CPA, we pride ourselves on combining technical excellence with a passionate commitment to helping our clients achieve their goals. Let’s explore how we can be your partner in success. contact us

Featured Client for May 2011 - Buck’s Saw Service

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Jeff Keegan & Mark Bailey

“Ghirardo CPA provides us with fast, friendly, and reliable accounting and tax service. Their quality of work is excellent. Their streamlining suggestions have allowed me to spend more time working with my customers, not administration. My days are now much more pleasurable!”

--Jeff Keegan & Mark Bailey, Co-Owners, Buck’s Saw Service

Our commitment to helping our clients succeed is the cornerstone of our business. Let us know how we can assist you.

Featured Client for April 2011 - Marty Kropelnicki

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Marty Kropelnicki "Excellent professional firm and a locally owned business.

They make my tax planning easy."

--Marty Kropelnicki, Finance Executive, Former CPA, Marin County resident.

We pride ourselves on combining technical excellence with a passionate commitment to helping our clients achieve their goals. Let’s explore how we can be your partner in success. contact us

Featured Client for March 2011 - Inn Marin & Rickey’s Restaurant

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John Marshall “Ghirardo CPA team members are genuinely concerned for the success of our business. They handle our taxes and accounting and are vey professional and personable. Plus, their consulting capabilities are exceptional!”

--John Marshall, Proprietor, Inn Marin & Rickey’s Restaurant

Our commitment to helping our clients succeed is the cornerstone of our business. Let us know how we can assist you.