Welcome to Luallen, Cearlock, Barth & Burnam, Ltd. Certified Public Accountants and Consultants
Over the last 60 years, Luallen, Cearlock Barth & Burnam, Ltd. has built its reputation on providing exceptional accounting, tax, audit and bookkeeping services for our clients throughout the Vandalia, Greenville, and Highland, Illinois areas. The firm's professionals bring a wealth of experience in accounting, tax and business consulting services to help you and your business succeed. We understand the financial challenges that our families and business owners face and are here to help you pursue your goals. At Luallen, Cearlock, Barth & Burnam, Ltd., we are not just accountants, we are your trusted financial partners.
For over 20 years, Joe Cearlock has been providing Financial Planning and Wealth Management Services to his clients. With over 30 years experience as a CPA, he can consolidate the financial planning processes of investment, retirement, income tax, estate and risk management planning all in one office.
Our offices are conveniently located at 1007 North Eight St, Vandalia, IL, 114 North Second St, Greenville, IL and 1101 Main St, Highland, IL.
Investment and financial planning services are offered by Joseph Cearlock through his affiliation with HD Vest.
Exit Strategies of the Rich and Famous
Estate conservation is too important to put off. Do you have a smart exit strategy?
Inflation - Back to the Future
Even low inflation rates over an extended period of time can impact your finances in retirement.
Is a Variable Annuity Right for Me?
Pundits go on and on about how “terrible” or “wonderful” annuities are, but they never talk about whether annuities are right
Consider how your assets are allocated and if that allocation is consistent with your time frame and risk tolerance.
Irrevocable life insurance trusts can be important tools that may accomplish a number of estate objectives.
Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets.
When to start? Should I continue to work? How can I maximize my benefit?
Exchange-traded funds have some things in common with mutual funds, but there are differences, too.
Currency has been around for a long time. Here’s a quick history lesson.
This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.
Use this calculator to estimate your income tax liability along with average and marginal tax rates.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
This calculator may help you estimate how long funds may last given regular withdrawals.
This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).
Estimate how long your retirement savings may last using various monthly cash flow rates.
Learn more about taxes, tax-favored investing, and tax strategies.
Principles that can help create a portfolio designed to pursue investment goals.
The importance of life insurance, how it works, and how much coverage you need.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Using smart management to get more of what you want and free up assets to invest.
Investment tools and strategies that can enable you to pursue your retirement goals.
All about how missing the best market days (or the worst!) might affect your portfolio.
With alternative investments, it’s critical to sort through the complexity.
Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?
Can successful investors predict changes in the markets? Some can but others miss the market’s signals.
Even low inflation rates can pose a threat to investment returns.
In good times and bad, consistently saving a percentage of your income is a sound financial practice.