Expert Bookkeeping Services in Cherry Hill, NJ for Accuracy

Admin • September 14, 2025

Looking for expert bookkeeping services in Cherry Hill, NJ? Dan Reganata CPA offers personalized, accurate bookkeeping solutions to help your business grow and stay compliant.


Running a business in Cherry Hill, NJ, comes with its own set of challenges, especially when it comes to managing your finances. Maintaining accurate financial records is more than just a requirement; it is the foundation of business success. Whether you're a startup, a growing small business, or a well-established enterprise, keeping your books in order is crucial for making informed decisions, staying compliant with tax laws, and ensuring long-term profitability. Expert bookkeeping services can save you time, reduce stress, and provide invaluable insights into your financial health.


If you're looking for trustworthy, accurate, and personalized bookkeeping services in Cherry Hill, NJ, look no further than Dan Reganata CPA MBA PFS. With over 27 years of experience in the industry, Dan Reganata offers comprehensive bookkeeping services tailored specifically to the needs of businesses in the Cherry Hill area.

Two people reviewing financial documents at a desk with a calculator and laptop.

Why Accurate Bookkeeping Matters

Accurate bookkeeping is not just about balancing a checkbook. It’s about having a clear, real-time picture of your financial situation. Proper bookkeeping ensures that your business can thrive by providing critical data to guide decisions, prepare for taxes, and stay on top of cash flow. Here’s a breakdown of why it is so vital for your business:


1. Tax Compliance

Accurate bookkeeping ensures that you meet your tax obligations and helps you avoid any penalties or audits. By keeping your financial records organized and up-to-date, you ensure that your business remains in compliance with both state and federal tax laws. Missing deductions or underreporting can cost you significantly, but with proper bookkeeping, you ensure that your tax filings are accurate and reflect all eligible expenses and credits.


2. Financial Clarity and Control

Having a clear, real-time view of your finances is crucial. Accurate bookkeeping provides a detailed record of your business's financial health, including how much you're earning, spending, and where you're investing. This visibility allows you to make informed decisions, monitor business performance, and adjust your strategies as needed.

3. Better Business Planning and Strategy


With accurate bookkeeping, you can effectively plan for the future. Knowing where your money is coming from and where it’s going is key to developing an informed growth strategy. This enables you to forecast future income and expenses, plan for capital investments, and manage cash flow more effectively. Businesses with clear financial records are also better positioned to pursue loans or funding from investors.


4. Managing Cash Flow

Cash flow is the lifeblood of any business. By maintaining accurate books, you can ensure that you always know how much money is available at any given moment. This allows you to make timely payments to suppliers, avoid penalties, and ensure that you have the funds necessary to cover payroll, taxes, and other operating costs.


5. Business Growth and Expansion

Accurate bookkeeping lays the groundwork for business growth. When you have precise records, you're in a stronger position to analyze trends and track business performance. Whether you're trying to scale your operations, hire more staff, or expand your product line, your bookkeeping will help you understand the financial implications of those decisions and ensure that you're on solid ground.

Dan Reganata CPA MBA PFS: Your Trusted Bookkeeping Partner in Cherry Hill, NJ

When it comes to bookkeeping, having a professional with decades of experience by your side can make all the difference. Dan Reganata, CPA MBA PFS, offers expert bookkeeping services to small and medium-sized businesses in Cherry Hill, NJ. With his extensive background in accounting and financial planning, Dan provides the expertise necessary to maintain accurate and detailed financial records.


Dan takes the time to understand the unique needs of each business, offering personalized services designed to streamline your bookkeeping and help your business thrive.


Why Choose Dan Reganata for Bookkeeping?

With over 27 years of experience, Dan has built a reputation for providing reliable, trustworthy, and efficient bookkeeping services. He understands the intricacies of business finances and offers tailored solutions that meet the specific needs of each client. Here’s why you should trust Dan Reganata with your bookkeeping:


  • Expertise and Experience: Dan has a deep understanding of bookkeeping and accounting, backed by years of hands-on experience in the field. He has worked with businesses of all sizes and industries, making him well-equipped to handle your bookkeeping needs.
  • Personalized Service: Dan takes the time to understand your business and its specific challenges. He provides tailored solutions to ensure that your financial records are accurate and up-to-date, no matter what industry you’re in.
  • Attention to Detail: One of the hallmarks of Dan's service is his meticulous attention to detail. He ensures that every transaction is accurately recorded, minimizing errors and maximizing your financial control.
  • Timely and Reliable: With Dan on your side, you can rest assured that your bookkeeping tasks will be completed on time and to the highest standard. You can trust him to meet deadlines and provide you with the information you need, when you need it.
  • Comprehensive Solutions: Whether you need help with daily transaction recording, payroll, tax preparation, or financial reporting, Dan offers a comprehensive suite of services designed to handle all your bookkeeping needs.

Services Offered by Dan Reganata CPA MBA PFS

Dan Reganata offers a wide range of bookkeeping services that ensure the accuracy and efficiency of your financial records. His services are designed to cater to the unique needs of small and medium-sized businesses in Cherry Hill, NJ.


Daily Transaction Recording

Accurate bookkeeping starts with daily transaction recording. Dan ensures that all income, expenses, and financial activities are properly recorded, leaving you with a clear picture of your business's financial situation.


Bank Reconciliation

Keeping your bank account and books aligned is essential for detecting discrepancies early on. Dan provides regular bank reconciliation services to ensure your books match your bank statements, giving you peace of mind and a clearer view of your finances.


Financial Reporting

Dan prepares comprehensive financial reports such as balance sheets, income statements, and cash flow statements. These reports provide insights into your business's profitability, financial health, and performance, allowing you to make informed decisions.


Payroll Services

Handling payroll can be time-consuming, but with Dan's services, you can rest easy knowing that your employees are paid accurately and on time. He ensures compliance with all tax laws and helps you manage employee deductions, benefits, and tax filings.


Accounts Payable & Receivable

Dan also manages your accounts payable and receivable, ensuring that invoices are sent and paid on time. This helps maintain smooth cash flow and vendor relationships while preventing late fees or service interruptions.

The Benefits of Expert Bookkeeping for Small Businesses in Cherry Hill

When you're a small business owner, every decision counts. By partnering with an expert bookkeeper like Dan Reganata, you're investing in your business’s future success. Here are some key benefits of expert bookkeeping for small businesses:


Time Savings

Outsourcing bookkeeping saves you time. You won’t have to worry about managing accounts or tracking financial transactions; Dan handles all of it for you. This allows you to focus on what matters most—running and growing your business.


Reduced Risk of Errors

Manual bookkeeping can lead to costly mistakes. By hiring an expert, you ensure that your books are accurate and compliant, reducing the risk of errors that could result in tax penalties or financial mismanagement.


Improved Decision-Making

With accurate and timely financial data at your fingertips, you can make smarter, more informed decisions. Whether it’s making strategic investments, scaling your operations, or planning for tax season, you’ll have the insights you need to guide your business.


Enhanced Financial Insights

Regular bookkeeping helps you understand your business’s financial position. Dan’s expertise allows him to provide valuable insights into your business’s performance, highlighting areas for growth and pinpointing any financial issues that need attention.

How to Get Started with Expert Bookkeeping Services in Cherry Hill, NJ

Getting started with expert bookkeeping services is easy. If you're in Cherry Hill, NJ, and need reliable, personalized bookkeeping support, Dan Reganata CPA MBA PFS is just a call away. Here’s how you can get started:


Schedule a Consultation

Contact Dan to schedule a free consultation. During this meeting, he’ll take the time to understand your business, its needs, and its financial goals. He’ll also explain the services he offers and how they can benefit your business.


Get a Tailored Bookkeeping Plan

After understanding your needs, Dan will develop a tailored bookkeeping plan that aligns with your business goals. Whether you need weekly, monthly, or quarterly services, he will provide a solution that fits your requirements.


Ongoing Support and Service

Once you’ve signed up for services, Dan will handle all aspects of your bookkeeping, providing you with timely reports and updates. You can contact him at any time if you have questions or need assistance.

In the competitive business world of Cherry Hill, NJ, having accurate, reliable, and professional bookkeeping services is critical to your success. With Dan Reganata CPA MBA PFS, you’re partnering with an expert who can handle all aspects of your bookkeeping, from daily transactions to financial reporting. His personalized approach ensures that your business’s finances are in order, giving you the confidence to make informed decisions and plan for the future. Whether you’re a startup or a growing business, expert bookkeeping services are an investment that pays off in the long run.

Ready to ensure the financial success of your business with expert bookkeeping services in Cherry Hill, NJ?

Contact Dan Reganata today to schedule a free consultation and get started on a path to accurate, reliable, and tailored bookkeeping.


📞 Call Us: (856) 874-1892

📧 Email: danr@dsrjcpa.com

🌐 Visit Us: www.dsrjcpa.com


Don’t wait—take control of your business’s finances today!

FAQs

  • What bookkeeping services does Dan Reganata offer in Cherry Hill, NJ?

    Dan Reganata provides a comprehensive range of bookkeeping services, including daily transaction recording, bank reconciliation, payroll management, financial reporting, and accounts payable/receivable management. These services help ensure your business’s financial records are accurate, timely, and compliant.

  • Why is professional bookkeeping important for my business in Cherry Hill?

    Professional bookkeeping ensures your financial records are accurate, reduces tax-related risks, provides valuable business insights, and helps improve cash flow management. It allows you to focus on running your business while ensuring that your finances are in order.

  • How do I get started with bookkeeping services from Dan Reganata?

    Getting started is simple. Contact Dan Reganata to schedule a free consultation. During the meeting, Dan will assess your business’s needs and develop a tailored bookkeeping plan that aligns with your goals.

  • Can I trust Dan Reganata with my business's finances?

    Yes, with over 27 years of experience, Dan Reganata is a trusted professional. He offers personalized, detail-oriented bookkeeping services that ensure your financial records are accurate and up-to-date. Client testimonials highlight his dedication and expertise.

  • What industries does Dan Reganata serve in Cherry Hill, NJ?

    Dan Reganata offers bookkeeping services to businesses across various industries in Cherry Hill, NJ, including retail, services, real estate, healthcare, and more. His services are tailored to meet the unique needs of each industry.

April 14, 2026
Maximize Your Business Potential with Local Payroll Services in Cherry Hill, NJ Running a business comes with many responsibilities, but few are as important as payroll. Paying employees accurately and on time builds trust, protects your reputation, and keeps your operations running smoothly. Still, many small business owners find payroll time-consuming and stressful. That’s why many companies rely on Payroll Services in Cherry Hill, NJ to handle this critical task professionally. When payroll is managed correctly, business owners gain time to focus on strategy, growth, and customer service instead of paperwork and calculations. At Dan Reganata CPA MBA PFS , businesses across Cherry Hill and nearby communities benefit from reliable payroll support designed to reduce risk and improve efficiency. With experienced professionals handling the details, payroll becomes a tool for growth instead of a burden. Why Payroll Management Matters for Business Growth Payroll isn’t just about issuing paychecks. It directly affects employee satisfaction, financial planning, and legal compliance.  Payroll Impacts Employee Satisfaction Employees expect accurate and timely compensation. Even a small payroll mistake can create frustration and reduce morale. Reliable payroll processing ensures: Employees are paid correctly every time Paychecks arrive on schedule Tax deductions are handled properly Staff confidence stays strong When payroll runs smoothly, employees stay focused on their work instead of worrying about their pay. Payroll Accuracy Supports Financial Stability Payroll is one of the largest expenses for many businesses. Inaccurate payroll can disrupt budgets and cash flow planning. Accurate payroll services help: Maintain clear financial records Improve budgeting accuracy Support long-term financial planning Reduce unexpected expenses Businesses with accurate payroll data make better decisions and maintain stronger financial control. Compliance Helps Avoid Legal Issues Payroll regulations change frequently. Missing deadlines or filing incorrect information can lead to costly penalties. Professional payroll providers help businesses: Follow state and federal payroll laws File taxes correctly and on time Maintain required payroll records Avoid compliance risks Staying compliant protects your business from unnecessary financial setbacks. Key Benefits of Using Payroll Services in Cherry Hill, NJ Many business owners discover that outsourcing payroll saves time, reduces risk, and improves overall performance. Save Time and Focus on Core Business Activities Payroll takes hours every week. Calculating wages, managing deductions, and filing taxes requires careful attention. Outsourcing Payroll Services in Cherry Hill, NJ allows business owners to: Spend less time on administrative tasks Focus on customer relationships Improve productivity Develop new business strategies Time saved on payroll often translates into increased revenue opportunities. Reduce Payroll Errors and Risk Manual payroll increases the chance of mistakes. Even a small calculation error can affect employee payments and tax filings. Professional payroll services reduce risk by: Using reliable systems Verifying payroll calculations Monitoring deductions and tax updates Maintaining accurate records Fewer errors mean fewer problems and better financial stability. Stay Up-to-Date with Payroll Tax Laws Tax rules change regularly. Staying updated requires ongoing monitoring and knowledge. Payroll specialists help businesses: Keep up with new tax regulations Submit accurate payroll tax filings Avoid late penalties Meet all reporting deadlines This level of compliance gives business owners peace of mind. Access to Local Expertise and Personalized Support Choosing local payroll providers offers advantages that national services may not provide. Local payroll professionals: Understand regional payroll requirements Provide personalized assistance Offer direct communication Respond quickly to urgent issues Working with a trusted local provider improves communication and service quality. Common Payroll Challenges Faced by Cherry Hill Businesses Many businesses struggle with payroll at some point. Recognizing common problems helps prevent costly mistakes. Miscalculating Employee Wages Payroll calculations include overtime, benefits, and tax deductions. Errors in any of these areas can lead to payment discrepancies. Common mistakes include: Incorrect overtime calculations Misapplied deductions Improper tax withholding These issues can create employee dissatisfaction and financial complications. Missing Payroll Deadlines Deadlines are critical in payroll management. Missing one can trigger penalties or employee complaints. Late payroll processing may result in: Fines from tax authorities Employee frustration Administrative complications Timely payroll processing prevents these problems. Poor Payroll Record Keeping Incomplete records can cause issues during audits or financial reviews. Organized payroll documentation helps: Maintain compliance Improve financial accuracy Simplify reporting Professional payroll services keep records organized and accessible. Difficulty Managing Payroll for Growing Teams As businesses grow, payroll becomes more complex. Additional employees bring new challenges. Growing teams require: More payroll calculations Expanded reporting Increased compliance oversight Professional payroll solutions scale with your business needs. Signs Your Business Needs Professional Payroll Services Not every business starts with outsourced payroll, but many eventually realize they need professional support. Payroll Tasks Are Taking Too Much Time If payroll consumes several hours each week, it may be time to outsource. Business owners often notice: Reduced productivity Increased stress Limited time for growth planning Professional payroll services restore valuable time. You’ve Experienced Payroll Errors Repeated mistakes signal the need for professional assistance. Common warning signs include: Incorrect paychecks Tax filing errors Employee complaints Fixing these issues early prevents larger problems later. Your Workforce Is Growing Hiring new employees increases payroll responsibilities. Growing businesses benefit from: Scalable payroll systems Improved record keeping Streamlined payroll processes Professional support ensures growth stays manageable. You’re Unsure About Payroll Compliance If payroll regulations feel confusing, outsourcing can provide clarity. Compliance experts help: Track regulatory updates File accurate reports Maintain compliance standards Confidence in payroll compliance protects your business. How Local Payroll Services Help Maximize Business Potential Reliable payroll management does more than save time. It supports long-term growth. Streamlined Payroll Processes Modern payroll systems automate repetitive tasks. Automation helps: Process payroll faster Reduce manual work Improve accuracy Maintain consistent reporting Efficiency leads to better productivity. Better Financial Planning Payroll data plays a major role in financial decision-making. Accurate payroll records support: Cash flow planning Expense forecasting Budget management Clear financial data leads to smarter business decisions. Improved Employee Retention Reliable payroll builds trust between employers and employees. Consistent payments: Increase employee confidence Improve workplace satisfaction Reduce turnover Happy employees contribute to stronger business performance. Scalability for Growing Businesses As your business expands, payroll requirements increase. Professional payroll services adapt by: Supporting additional employees Managing new benefits Handling complex payroll structures Growth becomes easier with scalable payroll solutions. What to Expect from Professional Payroll Services Understanding payroll services helps business owners make informed decisions. Payroll Setup and Customization Every business has unique payroll needs. Setup typically includes: Employee data entry Payment schedule configuration Tax settings customization Customized systems ensure accurate payroll processing. Payroll Processing and Reporting Professional payroll providers handle daily operations. Services may include: Wage calculations Direct deposit processing Payroll reporting Record maintenance Detailed reports improve financial visibility. Payroll Tax Filing and Compliance Support Tax filing is a critical part of payroll. Professional services help: File payroll taxes on time Submit required reports Maintain compliance Compliance support reduces risk and stress. Ongoing Support and Consultation Reliable payroll providers offer continued assistance. Support includes: Addressing payroll questions Adjusting employee records Providing year-end reporting Consistent guidance ensures smooth operations. Why Choose Dan Reganata CPA MBA PFS for Payroll Services in Cherry Hill, NJ Choosing the right payroll partner makes a major difference in business success. Dan Reganata CPA MBA PFS provides reliable payroll services designed to support businesses of all sizes. Their team focuses on accuracy, compliance, and personalized support. Businesses working with their team benefit from: Experienced payroll professionals Accurate employee payments Proper tax deductions Reliable compliance support Their commitment to quality service has helped businesses throughout Cherry Hill and nearby communities manage payroll with confidence. How to Choose the Right Payroll Service Provider Selecting the right payroll partner requires careful consideration. Look for Industry Experience Experienced payroll providers understand complex payroll systems and regulations. Choose providers who: Have proven experience Understand local regulations Offer reliable service Experience ensures dependable results. Ensure Compliance Knowledge Payroll compliance requires constant updates. Reliable providers: Monitor tax law changes Maintain accurate records Provide compliance guidance Knowledgeable providers reduce risk. Evaluate Customer Support Good communication is essential. Look for providers who: Respond quickly Offer clear explanations Provide consistent assistance Reliable support builds trust. Compare Pricing and Service Features Different businesses require different services. Compare: Pricing structures Service packages Customization options Flexible services improve value.
April 14, 2026
Managing business finances can quickly become overwhelming, especially when daily operations demand most of your time. Many business owners in Cherry Hill struggle to maintain organized financial records while focusing on growth and customer service. That’s why working with experienced professionals like Dan Reganata CPA MBA PFS can make a significant difference in maintaining financial accuracy and reducing stress. Finding dependable bookkeeping services in Cherry Hill, NJ allows businesses to stay organized, avoid costly errors, and make better financial decisions. Whether you run a small local company or a growing organization, having reliable bookkeeping support ensures your records remain accurate and ready for tax season. This guide explains how to find trustworthy bookkeeping services, what to look for, and why choosing local expertise matters for businesses in Cherry Hill and surrounding communities. Why Reliable Bookkeeping Matters for Businesses in Cherry Hill, NJ Reliable bookkeeping forms the foundation of good financial management. It ensures that every financial transaction is recorded correctly and that business owners always have a clear picture of their financial health. Many small businesses in Cherry Hill depend on accurate bookkeeping to track expenses, monitor income, and prepare for tax obligations. Without organized records, it becomes difficult to measure profitability or make informed financial decisions. Professional bookkeeping services help businesses: Track income and expenses accurately Maintain organized financial records Generate clear monthly reports Prepare documentation for tax filing Identify financial trends and potential issues Keeping financial records updated throughout the year also reduces stress during tax season. Instead of rushing to gather missing documents, businesses with organized books can focus on growth and planning. Signs You Need Professional Bookkeeping Help Many business owners attempt to manage bookkeeping themselves, but certain warning signs indicate it may be time to seek professional assistance. Your Financial Records Are Disorganized If receipts are missing, invoices are incomplete, or records are scattered across different systems, it becomes difficult to track finances accurately. Disorganized records often lead to reporting errors and missed financial opportunities. You Spend Too Much Time on Bookkeeping Managing financial data takes time and attention to detail. When bookkeeping consumes hours each week, it reduces time available for customer service and business development. You’re Falling Behind on Taxes Late or inaccurate tax filings can lead to penalties. Professional bookkeeping keeps records updated, making tax preparation faster and more accurate. Cash Flow Is Hard to Monitor If you’re unsure how much money is coming in or going out, managing expenses becomes challenging. Reliable bookkeeping services in Cherry Hill, NJ ensures financial clarity and supports better planning. What Services Should a Reliable Bookkeeper Offer? A dependable bookkeeper provides a range of services that help businesses maintain organized records and operate efficiently. Transaction Recording Recording daily financial activity is one of the most important bookkeeping tasks. This includes: Sales entries Expense tracking Invoice recording Accurate transaction records help prevent discrepancies and maintain financial accuracy. Bank Reconciliation Bank reconciliation compares financial records to bank statements to ensure they match. This process helps detect errors early and maintain reliable records. Accounts Payable and Receivable Managing outgoing payments and incoming invoices supports steady cash flow and prevents missed deadlines. Financial Reporting Monthly reports such as profit-and-loss statements provide insights into performance and help business owners make informed decisions. Reliable bookkeeping services ensure these tasks are handled consistently, allowing businesses to focus on operations instead of paperwork. How to Choose the Right Bookkeeping Services in Cherry Hill, NJ Selecting the right bookkeeping service is an important decision that can impact business success. Check Credentials and Experience Look for professionals with proven experience in bookkeeping and financial management. A qualified bookkeeper understands financial regulations and helps prevent costly mistakes. Look for Local Expertise Choosing local professionals offers several advantages: Familiarity with New Jersey tax requirements Understanding of local business conditions Easier communication and meetings Businesses in Cherry Hill benefit from working with professionals who understand regional financial regulations. Read Reviews and Testimonials Customer reviews provide valuable insight into service quality. Look for feedback about reliability, responsiveness, and accuracy. Ask About Technology and Tools Modern bookkeeping relies on secure software systems. Using digital tools improves efficiency and allows real-time tracking of financial data. Evaluate Communication and Support Strong communication ensures issues are addressed quickly. Choose a bookkeeping provider who offers regular updates and accessible support. Questions to Ask Before Hiring a Bookkeeper Before choosing a bookkeeping service, asking the right questions helps ensure a smooth working relationship. Consider asking: What types of businesses do you typically serve? How often will my records be updated? What services are included in your monthly packages? How do you handle corrections if errors occur? What bookkeeping software do you use? How is your pricing structured? These questions help clarify expectations and ensure the services meet your business needs. How Much Does Bookkeeping Cost in Cherry Hill, NJ? Bookkeeping costs vary depending on the complexity of services required. Common factors that affect pricing include: Size of the business Number of transactions Frequency of service Type of reporting required Software and system integration Some businesses prefer hourly billing, while others benefit from monthly service packages. Outsourcing bookkeeping often proves more affordable than hiring full-time staff, especially for small businesses. Investing in reliable bookkeeping services helps prevent costly mistakes and supports long-term financial stability. Benefits of Hiring Local Bookkeeping Services in Cherry Hill, NJ Working with local bookkeeping professionals provides advantages that remote services may not offer. Personalized Service Local professionals often take time to understand your business goals and provide tailored support. Faster Communication Being nearby makes it easier to address concerns quickly and schedule meetings when necessary. Knowledge of Local Requirements Local bookkeepers understand state and regional regulations, helping businesses remain compliant. Stronger Business Relationships Working with a local provider builds trust and ensures consistent support over time. DIY Bookkeeping vs Professional Bookkeeping: Which Is Better? Some business owners attempt to manage bookkeeping themselves, especially during early stages. However, as operations grow, professional support often becomes necessary. DIY Bookkeeping Pros Lower initial costs Full control over records DIY Bookkeeping Cons Time-consuming Increased risk of mistakes Limited financial insights Professional Bookkeeping Pros Accurate financial records Time savings Expert support Better financial reporting Professional Bookkeeping Cons Monthly service cost For most growing businesses, professional bookkeeping becomes a valuable investment that improves efficiency and reduces risk. Why Businesses Trust Dan Reganata CPA MBA PFS Many businesses in Cherry Hill rely on experienced professionals to maintain accurate financial records. Dan Reganata CPA MBA PFS provides comprehensive bookkeeping support designed to help businesses stay organized and financially prepared. Their services include: General ledger maintenance Accounts payable and receivable management Budgeting and expense tracking Monthly financial reporting Cash flow monitoring  Their client-focused approach helps businesses maintain organized records while reducing administrative burdens. With extensive experience supporting businesses in Cherry Hill and nearby communities, they provide reliable financial solutions tailored to local business needs.
Two professionals review documents, charts, and a calculator at a desk in a bright, sunlit office.
By Admin March 20, 2026
Every successful business has one thing in common — someone keeping a close, expert eye on the numbers. Whether you are a startup in Cherry Hill, an established firm in Moorestown, or a growing practice in Haddonfield, having the right business accountant in your corner is one of the smartest investments you can make.