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The Cycle of Investing Perception vs. Reality The Power of Tax-Deferred Growth The Other Sure Thing The Facts About Income Tax Exit Strategies of the Rich and Famous Rightsizing for Retirement Your DNA Test What Can a Million Dollars Buy You? Estate Management 101 When Do You Need a Will? Retiring the 4% Rule

Welcome to LCB CPAs & Advisors, Ltd.

Over the last 70 years, LCB CPAs & Advisors, 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 LCB CPAs & Advisors, Ltd., we are not just accountants, we are your trusted financial partners.

For over 25 years, Joe Cearlock has been providing Financial Planning and Wealth Management Services to his clients.  With over 35 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 Avantax.

Helpful Content

What You Should Do About Insurance Following a Divorce

What You Should Do About Insurance Following a Divorce

In the face of divorce, making changes to insurance coverage may be overlooked.

How Insurance Deductibles Work

How Insurance Deductibles Work

Knowing how insurance deductibles work can help you save money and give you peace of mind.

Insuring Your Second Home

Insuring Your Second Home

There are unique risks of owning a second home and obtaining the proper coverage may protect you from financial risk.

 

Managing the Risk of Outliving Your Money

Steps to help you sustain and grow your retirement savings.

The Most Overlooked Item of Any Home Improvement

The item most homeowners forget on their home improvement project checklist is insurance.

The Cost of Procrastination

Don't let procrastination keep you from pursuing your financial dreams and goals.

Choosing a Retirement Plan that Fits Your Business

To choose a plan, it’s important to ask yourself four key questions.

How Stocks Work

Understanding how a stock works is key to understanding your investments.

Debt Stress

There’s a link between debt and stress.

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What Is My Current Net Worth?

Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.

Roth 401(k) vs. Traditional 401(k)

This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).

What's My Potential Estate Tax?

This calculator helps estimate your federal estate tax liability.

A Look at Systematic Withdrawals

This calculator may help you estimate how long funds may last given regular withdrawals.

Assess Your Life Insurance Needs

This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.

Should I Buy or Lease an Auto?

This calculator compares the financial impact of leasing versus buying an automobile.

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Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

5 Smart Investing Strategies

There are some smart strategies that may help you pursue your investment objectives

5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.

An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

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The Rule of 72

Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.

The Business Cycle

How will you weather the ups and downs of the business cycle?

The Latte Lie and Other Myths

Check out this video to begin separating fact from fiction.

Exit Strategies of the Rich and Famous

Estate conservation is too important to put off. Do you have a smart exit strategy?

Encore Careers: Push Your Boundaries

Ready for retirement? Find out why many are considering encore careers and push your boundaries into something more, here.

It Was the Best of Times, It Was the Worst of Times

All about how missing the best market days (or the worst!) might affect your portfolio.

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