Client Testimonials

Mike Ganino has always been helpful and responsive and has given me sound financial advice on multiple occasions.   I would not hesitate to recommend Mike or DHL&S. Christopher Kirk Owner, 1-800GOTJUNK? Depth, experience, integrity, engaged and caring and...

Second Spouse Planning

How do you ensure that both your new spouse and your children from your first marriage receive an inheritance if you die before your newly married spouse does? Who gets the house — your new spouse or your children? How will your new spouse get by financially if you...

What to Know About Employer ID Numbers

In general, businesses need an EIN. There are various ways to apply for one, but the IRS is happy to let you know that you may now apply online. It’s a free service. You are urged to check your state to discover whether you need a state number or charter. The...

Can You Make Direct Deposit Mandatory?

In 2016, the National Automated Clearing House Association (NACHA) reported that 82 percent of U.S. employees are paid by direct deposit, jumping from 74 percent in 2011. Clearly, direct deposit is on the rise. But you may be surprised to learn that, according to the...

The Finances and Taxes of Car Leasing

 Both leasing and buying have advantages and disadvantages, just like renting or buying a house. The most obvious difference is that with a lease, you get a new car every few years and don’t have to deal with selling the car. If you like having the newest...