Delinquency Negotiations
If you have unfiled returns or unpaid balances, we negotiate with the IRS and state agencies to establish a manageable path forward — including payment plans, penalty abatement and compliance planning.
Enrolled Agent Led · Women-Owned · Since 2001
Precise Tax Work.
Confident Representation.
For more than 25 years, Ultimate Financial Services has guided individuals, small businesses and nonprofits across the New York, New Jersey, Connecticut and Pennsylvania metro area — from South Orange, NJ.
20+
Years in practice
NY · NJ · CT · PA
Metro area served
EA
Federally licensed
About the firm
A boutique practice with federal-level standing.
We prepare returns, keep books current and stand between our clients and the IRS. Our practice includes Enrolled Agents — the highest credential the IRS awards — so we are qualified to represent clients before the IRS when the need arises.
In-person and remote appointments are available throughout the year, not just tax season, from our South Orange, New Jersey office.
Learn more about our servicesServices
One firm for filing season and everything around it.
Individual Tax Preparation
Personal federal and state returns prepared accurately and reviewed for every deduction and credit you deserve. From straightforward W-2 filings to complex schedules, we handle the details so you can file with confidence.
Learn moreSmall Business Tax Preparation
Tailored tax preparation for sole proprietors, LLCs, S-Corps and partnerships. We organize your income, expenses and depreciation to minimize liability and keep your business compliant.
Learn moreNonprofit Tax Preparation
Exempt-organization returns and compliance support for 501(c)(3) and other nonprofits. We help you protect your tax-exempt status while meeting federal and state filing requirements.
Learn moreCorporate & Partnership Tax Returns
Year-end corporate and partnership returns prepared with attention to multi-state issues, shareholder distributions and entity-specific elections. We align the filing with your broader business strategy.
Learn moreAudit Representation
Full IRS and state examination representation from document requests to resolution. As an Enrolled Agent, we can appear on your behalf and work to protect your rights throughout the process.
Learn moreOffers-in-Compromise
For taxpayers who cannot pay the full amount owed, we prepare and submit Offer-in-Compromise applications designed to settle tax debt for less than the balance due when you qualify.
Accounting & Monthly Bank Reconciliations
Monthly bookkeeping and bank reconciliation that keeps your accounts accurate and ready for tax time. Clean books mean fewer surprises, better decisions and stronger lender relationships.
Financial Statement Preparation
Profit and loss statements, balance sheets and cash-flow reports prepared for management, lending or tax planning. We present your numbers clearly so you can act on them.
Business Formation & Business Plans
Entity selection, state registration and business-planning guidance for startups and growing companies. We help you choose the right structure from day one for tax efficiency and liability protection.
CFO & Fiscal Agent Services
Fractional CFO and fiscal agent support for nonprofits, grant-funded organizations and growing businesses. Get financial oversight, grant compliance, forecasting and strategic guidance without building a full internal finance department.
Learn moreCredentials
Held to a federal standard, not a seasonal one.
An Enrolled Agent is the highest credential the IRS awards. It requires passing comprehensive federal tax examinations and maintaining continuing education every year — which is exactly the kind of accountability you want handling your return.
Enrolled Agent
Federally licensed by the U.S. Department of the Treasury with unlimited rights to represent taxpayers before the IRS in all 50 states.
Continuing Education
Annual continuing education keeps our guidance current with every change to federal and state tax law.
Ethics First
We hold to strict professional and ethical standards — accurate filings, plain-language advice and no shortcuts.
Hours
Tax season (January – April)
- Monday – Friday
- 10:00am – 8:00pm
- Saturday
- 10:00am – 3:00pm
- Sunday
- By appointment
Off-season: by appointment only. Reach out any time of year for planning, notices or bookkeeping support.
Service area
Based in South Orange, New Jersey, serving clients throughout the greater metropolitan region in person and remotely.
New Jersey
New York
Connecticut
Pennsylvania
Enrolled Agent representation is valid in all 50 states — remote clients outside the metro area are welcome.
What clients say
Rated 4.8 out of 5 across 21 Google reviews.
We've been going for over 25 yrs. Professional office with great staff.
I have used Ultimate Financial Services for over 20 years. They are the best. My tax preparer is M. Phillips.
I've been a customer for over 25 years and M. Phillips have been nothing but the best. Honest and Professional Service.
I love Ultimate Financial. I have been coming here for about 30 years all the way from NY … 2 hours each way and it's worth it.
Ready to get started?
Request an appointment and we'll follow up to confirm a time that works — in the South Orange office or remotely.