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
Should You Tap Retirement Savings to Fund College?
There are three things to consider before dipping into retirement savings to pay for college.
Red Flags for Tax Auditors
Here are six flags that may make your tax return prime for an IRS audit.
Volunteering in Retirement
For many, retirement includes contributing their time and talents to an organization in need.
A Look at Diversification
Diversification is an investment principle designed to manage risk, but it can't prevent against a loss.
Spotting Credit Trouble
The wise use of credit is a critical skill. These 10 questions will help you assess your skill level.
Critical Estate Documents
Sound estate management includes creating financial and healthcare documents. Here's an inside look.
What Is an Annuity?
Annuities are versatile tools that can help you save for retirement and generate income in retirement.
The Business Cycle
Understanding the economy's cycles can help put current business conditions in better perspective.
How Does Your Credit Score Compare?
Have you ever wondered how your credit score compares to the rest of the country? Take a look and see.
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Taxable vs. Tax-Deferred Savings
Use this calculator to compare the future value of investments with different tax consequences.
What Is the Dividend Yield?
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
How Compound Interest Works
Use this calculator to better see the potential impact of compound interest on an asset.
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.
Disability Income
This calculator estimates your chances of becoming disabled and your potential need for disability insurance.
Lifetime of Earnings
Estimate how much you have the potential to earn during your working years.
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Protecting Those Who Matter Most
The importance of life insurance, how it works, and how much coverage you need.
Investment Strategies for Retirement
Investment tools and strategies that can enable you to pursue your retirement goals.
Long-Term-Care Protection Strategies
The chances of needing long-term care, its cost, and strategies for covering that cost.
5 Smart Investing Principles
Principles that can help create a portfolio designed to pursue investment goals.
Principles of Preserving Wealth
How federal estate taxes work, plus estate management documents and tactics.
Your Cash Flow Statement
A presentation about managing money: using it, saving it, and even getting credit.
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Choosing a Mortgage
Selecting a mortgage isn't an easy process. Get a better understanding of how professionals make the right decisions.
The Other Sure Thing
Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?
The Cycle of Investing
Understanding the cycle of investing may help you avoid easy pitfalls.
Events on Wall Street
Can successful investors predict changes in the markets? Some can but others miss the market’s signals.
The Power of Tax-Deferred Growth
Why are 401(k) plans, annuities, and IRAs so popular?
Perception vs. Reality
There’s an alarming difference between perception and reality for current and future retirees.