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Monday 9am - 5:30pm Tuesday 9am - 5:30pm Wednesday 9am - 5:30pm Thursday 9am - 5:30pm Friday 9am - 5:30pm

Bernath & Rosenberg, P.C.

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United States
Cedarhurst, NY
Bernath & Rosenberg, P.C.

Unlock potential with Bernath & Rosenberg: your trusted destination for all your accounting, tax, and wealth management needs.

Financial guidance for your business and family. Unlock your financial potential with Bernath & Rosenberg, your trusted destination for all your accounting, tax, and wealth management needs. We are a dedicated team of financial experts who are passionate about helping individuals and business owners achieve their financial goals. For more than 30 years, Bernath & Rosenberg has been providing tax,

accounting, audit, and wealth management advisory services with an unwavering commitment to client service. Because of our vast experience working with clients in an extensive range of industries, we possess an exceptional understanding of unique financial challenges and situations. Our mission is to understand the whole financial of our clients’ lives. We work closely with our clients to clarify their goals and needs, and we offer them our full experience as we guide them through every stage of life. At all times, we are committed to delivering quality service to our clients, while serving as their most trusted advisor. Bernath & Rosenberg understands the unique challenges business owners and affluent families face, so we combine accounting, tax and wealth management advice into holistic solutions tailored to your needs. The address for our Cedarhurst office is 126 Spruce St, Cedarhurst, NY 11516. To schedule a meeting, visit bernathandrosenberg.com, call (212) 221-1140, or email [email protected].

𝘚𝘦𝘤𝘶𝘳𝘪𝘵𝘪𝘦𝘴 𝘰𝘧𝘧𝘦𝘳𝘦𝘥 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘊𝘦𝘵𝘦𝘳𝘢 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘚𝘱𝘦𝘤𝘪𝘢𝘭𝘪𝘴𝘵𝘴 𝘓𝘓𝘊, 𝘮𝘦𝘮𝘣𝘦𝘳 𝘍𝘐𝘕𝘙𝘈/𝘚𝘐𝘗𝘊. 𝘈𝘥𝘷𝘪𝘴𝘰𝘳𝘺 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘰𝘧𝘧𝘦𝘳𝘦𝘥 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘊𝘦𝘵𝘦𝘳𝘢 𝘐𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘈𝘥𝘷𝘪𝘴𝘦𝘳𝘴 𝘓𝘓𝘊. 𝘊𝘦𝘵𝘦𝘳𝘢 𝘦𝘯𝘵𝘪𝘵𝘪𝘦𝘴 𝘢𝘳𝘦 𝘶𝘯𝘥𝘦𝘳 𝘴𝘦𝘱𝘢𝘳𝘢𝘵𝘦 𝘰𝘸𝘯𝘦𝘳𝘴𝘩𝘪𝘱 𝘧𝘳𝘰𝘮 𝘢𝘯𝘺 𝘰𝘵𝘩𝘦𝘳 𝘯𝘢𝘮𝘦𝘥 𝘦𝘯𝘵𝘪𝘵𝘺.

06/18/2026

For high-income couples, tax planning is not simply filing; it’s coordination.

A few strategies we often incorporate:
• Strategic asset location and tax-loss harvesting
• Structuring income efficiently within a family business
• Maximizing retirement and deferred compensation opportunities

When these pieces work together, the impact can be substantial.

06/17/2026

Bringing your children into the family business can be a powerful way to pass down values, knowledge, and responsibility. It's an opportunity to teach work ethic, financial responsibility, and stewardship while building something together.

When structured properly, it can also offer meaningful tax-planning benefits.

Learn more about the rules and planning opportunities in this article from Bernath & Rosenberg:

bernathandrosenberg.com/hiring-your-children-in-your-business-tax-rules-and-planning-opportunities

06/15/2026

As wealth grows, so does complexity.

Family office services bring coordination across investments, taxes, estate planning, and more, so everything works together.

Learn more:
bernathandrosenberg.com/family-office-services

06/11/2026

Most people don’t have a spending problem, they have a visibility problem.

Cash-flow planning brings clarity to where your money is going so your decisions align with what matters most.

If your financial picture feels disconnected, it may be time to take a closer look.

Contact Us: bernathandrosenberg.com/contact

06/10/2026

If you’re thinking about capital gains taxes only after you sell…
You’re already behind.

Here are a few ways investors proactively manage tax impact:

• Strategize your timing.
Holding investments longer can shift gains from higher-taxed short-term to lower-taxed long-term rates.

• Use losses strategically.
Selling underperforming investments can offset gains and reduce overall tax exposure.

• Be intentional with account types.
Tax-advantaged accounts (like IRAs or HSAs) can help reduce or defer taxes on growth.

• Consider more tax-efficient investments.
Certain investments (like ETFs) may generate fewer taxable events than actively managed funds.

• Incorporate giving into your strategy.
Donating appreciated assets can reduce tax liability while supporting causes you care about.

Beyond returns, you want to structure your investments so more of those returns stay with you.

If you haven’t looked at this recently, it may be worth revisiting your strategy.

06/08/2026

Most investors focus on growth…

But what actually matters is what you keep after taxes.

Capital gains taxes can gradually eat into returns, especially if decisions aren’t coordinated with a broader strategy. Short-term gains, for example, are taxed at ordinary income rates, not the lower long-term rates.

The focus is not only what you invest in…
But it’s also when and how you sell.

A few common mistakes we see:
• Selling too soon without considering tax impact
• Overlooking opportunities to offset gains
• Holding investments in the wrong type of account

Smart investing yields gains as well as tax efficiency.

We broke down several strategies in this article:
https://bernathandrosenberg.com/investment-growth-and-capital-gains-tax-strategies/

06/04/2026

Today, charitable giving vehicles like donor-advised funds (DAFs) can help families give more strategically while also benefiting from tax-efficient planning.

A DAF allows families to contribute assets, receive an immediate tax benefit, and recommend grants to the causes they care about over time. It can also help bring the next generation into conversations about philanthropy, stewardship, and community responsibility.

Giving thoughtfully isn’t simply writing a check; it’s creating a legacy of generosity that reflects your values.

05/14/2026

Behind the scenes, good tax and financial planning requires a lot of continuing education because the rules change, strategies evolve, and details matter.

At Bernath & Rosenberg, our team includes CPAs and CFP® professionals who stay current on tax law and planning strategies so the guidance you get is timely, thoughtful, and specific to your situation.

05/13/2026

Running a company retirement plan is a big responsibility, and it’s more than “set it and forget it.”

Plan sponsors are often balancing:
• investments + fees
• fiduciary oversight + compliance updates
• plan admin + records
• risk management + employee education

A good next step: make sure you have a clear process (and the right support) so nothing important gets missed.

Contact us for help with your company retirement plan:
bernathandrosenberg.com/contact/

05/11/2026

Selling commercial real estate isn’t just about the price. It’s about preparation.

Before you list:
• Gather leases + expenses + improvement records
• Know the tax “gotchas” (capital gains + depreciation recapture) • Plan ahead—timing and deal structure can change the outcome

To get started and make the most of your sale, schedule a meeting by calling (212) 221-1140.

Address

126 Spruce Stret
Cedarhurst, NY
11516

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm

Telephone

+12122211140

Website

http://www.bernathandrosenberg.com/

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