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  <url>
    <loc>https://www.totaroandco.com/popup</loc>
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    <lastmod>2022-02-11</lastmod>
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  <url>
    <loc>https://www.totaroandco.com/about</loc>
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    <lastmod>2023-08-11</lastmod>
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      <image:title>About Us</image:title>
      <image:caption>Founder Charles C. Totaro, CPA</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/601f47fb5d52e7462298d335/1613361799658-SB974V8ZXSEU72A553MR/headshot-katie-500%E2%80%8A%C3%97%E2%80%8A423.jpg</image:loc>
      <image:title>About Us</image:title>
      <image:caption>Katie DeSantis Lead Bookkeeping and Payroll Specialist View bio</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/601f47fb5d52e7462298d335/1613361879102-I2TW61TF3637AT28BO0W/headshot-mackenzie-500x423px.jpg</image:loc>
      <image:title>About Us</image:title>
      <image:caption>Mackenzie Cavanaugh Office Manager View bio</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/601f47fb5d52e7462298d335/1613361658999-CAF4ZEL6I9JHRJBWBEGE/headshot-tom-500%E2%80%8A%C3%97%E2%80%8A423px.jpg</image:loc>
      <image:title>About Us</image:title>
      <image:caption>Thomas Totaro Managing Partner View bio</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/601f47fb5d52e7462298d335/1613361730569-EEIF3DTBME06OIAAKDUA/headshot-ashley-500x423px.jpg</image:loc>
      <image:title>About Us</image:title>
      <image:caption>Ashley Polito Partner View bio</image:caption>
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  <url>
    <loc>https://www.totaroandco.com/thomas-totaro</loc>
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    <lastmod>2021-02-16</lastmod>
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      <image:title>Thomas Totaro - Thomas Totaro</image:title>
      <image:caption>As Managing Partner, Tom works with clients large and small to navigate the maze of tax law regulations and ever-changing economic conditions. Although he works with a vast range of clients, his greatest expertise resides in the areas of Hospitality, Professional Services, Medical, and Construction Industries. Since joining his father’s firm in 1989, Tom has perfected a unique management style, guiding the firm to become paramount in combining technology and business processes, and developing cutting-edge service opportunities for its clients. Tom continuously strives to assist his clients in achieving their financial and personal goals as they travel on their unique financial journey. Tom holds a Bachelor of Science with a concentration in Accounting, is an Enrolled Agent before the Internal Revenue Service, and is a Certified ProAdvisor for QuickBooks Desktop and QuickBooks Online. He is involved in many charitable and social organizations including serving as treasurer of the Toms River Student Loan Fund, past treasurer of Harmony Lodge #18 of Free and Accepted Masons. Tom is also a Paul Harris Fellow of Rotary International. When not in the office, Tom can be found spending time with his family and enjoying the outdoors on the golf course, hiking, kayaking and skiing.</image:caption>
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      <image:title>Thomas Totaro</image:title>
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      <image:title>Thomas Totaro</image:title>
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  <url>
    <loc>https://www.totaroandco.com/ashley-polito</loc>
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    <lastmod>2021-05-24</lastmod>
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      <image:title>Ashley Polito</image:title>
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      <image:title>Ashley Polito - Thomas Totaro</image:title>
      <image:caption>As Managing Partner, Tom works with clients large and small to navigate the maze of tax law regulations and ever-changing economic conditions. Although he works with a vast range of clients, his greatest expertise resides in the areas of Hospitality, Professional Services, Medical, and Construction Industries. Since joining his father’s firm in 1989, Tom has perfected a unique management style, guiding the firm to become paramount in combining technology and business processes, and developing cutting-edge service opportunities for its clients. Tom continuously strives to assist his clients in achieving their financial and personal goals as they travel on their unique financial journey. Tom holds a Bachelor of Science with a concentration in Accounting, is an Enrolled Agent before the Internal Revenue Service, and is a Certified ProAdvisor for QuickBooks Desktop and QuickBooks Online. He is involved in many charitable and social organizations including serving as treasurer of the Toms River Student Loan Fund, past treasurer of Harmony Lodge #18 of Free and Accepted Masons. Tom is also a Paul Harris Fellow of Rotary International. When not in the office, Tom can be found spending time with his family and enjoying the outdoors on the golf course, hiking, kayaking and skiing.</image:caption>
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      <image:title>Ashley Polito</image:title>
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  <url>
    <loc>https://www.totaroandco.com/katie-desantis</loc>
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    <lastmod>2021-02-16</lastmod>
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      <image:title>Katie DeSantis</image:title>
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    <image:image>
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      <image:title>Katie DeSantis - Thomas Totaro</image:title>
      <image:caption>As Managing Partner, Tom works with clients large and small to navigate the maze of tax law regulations and ever-changing economic conditions. Although he works with a vast range of clients, his greatest expertise resides in the areas of Hospitality, Professional Services, Medical, and Construction Industries. Since joining his father’s firm in 1989, Tom has perfected a unique management style, guiding the firm to become paramount in combining technology and business processes, and developing cutting-edge service opportunities for its clients. Tom continuously strives to assist his clients in achieving their financial and personal goals as they travel on their unique financial journey. Tom holds a Bachelor of Science with a concentration in Accounting, is an Enrolled Agent before the Internal Revenue Service, and is a Certified ProAdvisor for QuickBooks Desktop and QuickBooks Online. He is involved in many charitable and social organizations including serving as treasurer of the Toms River Student Loan Fund, past treasurer of Harmony Lodge #18 of Free and Accepted Masons. Tom is also a Paul Harris Fellow of Rotary International. When not in the office, Tom can be found spending time with his family and enjoying the outdoors on the golf course, hiking, kayaking and skiing.</image:caption>
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  <url>
    <loc>https://www.totaroandco.com/karey-craze</loc>
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    <lastmod>2022-02-05</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/601f47fb5d52e7462298d335/1622209856829-M5L8B3W44ANZIDVB4WH8/headshot-karey-500x423px.jpg</image:loc>
      <image:title>Karey Craze - Thomas Totaro</image:title>
      <image:caption>As Managing Partner, Tom works with clients large and small to navigate the maze of tax law regulations and ever-changing economic conditions. Although he works with a vast range of clients, his greatest expertise resides in the areas of Hospitality, Professional Services, Medical, and Construction Industries. Since joining his father’s firm in 1989, Tom has perfected a unique management style, guiding the firm to become paramount in combining technology and business processes, and developing cutting-edge service opportunities for its clients. Tom continuously strives to assist his clients in achieving their financial and personal goals as they travel on their unique financial journey. Tom holds a Bachelor of Science with a concentration in Accounting, is an Enrolled Agent before the Internal Revenue Service, and is a Certified ProAdvisor for QuickBooks Desktop and QuickBooks Online. He is involved in many charitable and social organizations including serving as treasurer of the Toms River Student Loan Fund, past treasurer of Harmony Lodge #18 of Free and Accepted Masons. Tom is also a Paul Harris Fellow of Rotary International. When not in the office, Tom can be found spending time with his family and enjoying the outdoors on the golf course, hiking, kayaking and skiing.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Karey Craze</image:title>
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      <image:title>Karey Craze</image:title>
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  <url>
    <loc>https://www.totaroandco.com/penny-howe</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-05-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/601f47fb5d52e7462298d335/1621891860522-LG6X3TDXNKWSQLM3HEQ5/headshot-penny-500x423px.jpg</image:loc>
      <image:title>Penny Howe - Thomas Totaro</image:title>
      <image:caption>As Managing Partner, Tom works with clients large and small to navigate the maze of tax law regulations and ever-changing economic conditions. Although he works with a vast range of clients, his greatest expertise resides in the areas of Hospitality, Professional Services, Medical, and Construction Industries. Since joining his father’s firm in 1989, Tom has perfected a unique management style, guiding the firm to become paramount in combining technology and business processes, and developing cutting-edge service opportunities for its clients. Tom continuously strives to assist his clients in achieving their financial and personal goals as they travel on their unique financial journey. Tom holds a Bachelor of Science with a concentration in Accounting, is an Enrolled Agent before the Internal Revenue Service, and is a Certified ProAdvisor for QuickBooks Desktop and QuickBooks Online. He is involved in many charitable and social organizations including serving as treasurer of the Toms River Student Loan Fund, past treasurer of Harmony Lodge #18 of Free and Accepted Masons. Tom is also a Paul Harris Fellow of Rotary International. When not in the office, Tom can be found spending time with his family and enjoying the outdoors on the golf course, hiking, kayaking and skiing.</image:caption>
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  <url>
    <loc>https://www.totaroandco.com/mackenzie-cavanaugh</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-02-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/601f47fb5d52e7462298d335/1613455161203-LEMM6GHA1BSDNOD21U08/headshot-mackenzie-500x423px.jpg</image:loc>
      <image:title>Mackenzie Cavanaugh - Thomas Totaro</image:title>
      <image:caption>As Managing Partner, Tom works with clients large and small to navigate the maze of tax law regulations and ever-changing economic conditions. Although he works with a vast range of clients, his greatest expertise resides in the areas of Hospitality, Professional Services, Medical, and Construction Industries. Since joining his father’s firm in 1989, Tom has perfected a unique management style, guiding the firm to become paramount in combining technology and business processes, and developing cutting-edge service opportunities for its clients. Tom continuously strives to assist his clients in achieving their financial and personal goals as they travel on their unique financial journey. Tom holds a Bachelor of Science with a concentration in Accounting, is an Enrolled Agent before the Internal Revenue Service, and is a Certified ProAdvisor for QuickBooks Desktop and QuickBooks Online. He is involved in many charitable and social organizations including serving as treasurer of the Toms River Student Loan Fund, past treasurer of Harmony Lodge #18 of Free and Accepted Masons. Tom is also a Paul Harris Fellow of Rotary International. When not in the office, Tom can be found spending time with his family and enjoying the outdoors on the golf course, hiking, kayaking and skiing.</image:caption>
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  <url>
    <loc>https://www.totaroandco.com/contact</loc>
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    <priority>0.75</priority>
    <lastmod>2025-04-11</lastmod>
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  <url>
    <loc>https://www.totaroandco.com/services</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-03-26</lastmod>
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  <url>
    <loc>https://www.totaroandco.com/privacy-policy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-02-17</lastmod>
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  <url>
    <loc>https://www.totaroandco.com/services-tabs</loc>
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    <priority>0.75</priority>
    <lastmod>2021-02-15</lastmod>
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    <loc>https://www.totaroandco.com/services-tabs/tax-services</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-05-24</lastmod>
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      <image:title>Services Tabs - Tax Services - Business Tax Compliance</image:title>
      <image:caption>From the start of your business through its maturity, rely on our tax management expertise for Initial filings – for new businesses or expansions, making sure the right filings are made with the proper authorities Sales and use tax filings – to keep you in good standing in all the appropriate jurisdictions</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/601f47fb5d52e7462298d335/1613441576824-7FOICXDN4ATVKAC0TJ6P/services-tax-5.jpg</image:loc>
      <image:title>Services Tabs - Tax Services - Tax Planning</image:title>
      <image:caption>Tax planning is the most important tool we have to minimize your tax exposure. With the proper planning you will know the outcome in advance and what tax strategies can lower your exposure before it’s too late. Never pay more taxes than you should. Individual planning: Thinking of retirement, changing professions or selling a piece of property. Know the tax effects before you make a decision. Business planning: In todays world of ever changing tax laws, effective year end planning can make all the difference.</image:caption>
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      <image:title>Services Tabs - Tax Services - Payroll</image:title>
      <image:caption>We can customize our payroll tax solution to fit your business and comfort level, from Full-service payroll management: We handle every step, from calculating the gross to net, to filing and paying the necessary returns, and assessing your tax liability. After-the-Fact Payroll: We can manage your tax returns and tax payments once the paychecks have been distributed.</image:caption>
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      <image:title>Services Tabs - Tax Services - Individual</image:title>
      <image:caption>From the simple to the complex, whether single state or multi-state returns, we can help you.</image:caption>
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      <image:title>Services Tabs - Tax Services - Estate and Trusts</image:title>
      <image:caption>Proper planning is essential in ensuring that your assets will be preserved and distributed according to your intentions. With extensive experience in the area of trusts and estates, we possess a deep understanding of the rules and complexities needed in order to effectively assist you, fiduciaries and attorneys in connection to the accounting and taxation of estates and trusts. Our Estate and Trust Services Include: Preparation of Estate, Gift and Fiduciary income tax returns Estate, Gift &amp; Charitable Tax Planning Assisting in minimizing Estate, Gift and Income Tax exposure Representing taxpayers and fiduciaries in Estate and Gift tax examinations Preparation and review of formal (judicial) and information fiduciary accountings for executors and trustees Assisting fiduciaries, beneficiaries and attorneys in various aspects of Trust and Estate Administration</image:caption>
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      <image:title>Services Tabs - Tax Services - Business</image:title>
      <image:caption>For S corporations, partnerships, and sole proprietorships. Whether a proprietorship or a multi-state corporation, let one of our tax experts assist you through the tax maze.</image:caption>
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  <url>
    <loc>https://www.totaroandco.com/services-tabs/quickbooks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-02-17</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/601f47fb5d52e7462298d335/1613451437400-DACNLFLKCZV4YOUA7SET/services-quickbooks-conversion-thin.png</image:loc>
      <image:title>Services Tabs - QuickBooks - QuickBooks Desktop to QuickBooks Online Conversion</image:title>
      <image:caption>If it’s time to switch from your legacy QuickBooks Desktop version to QuickBooks online but are unsure of how to manage the change without losing your existing data, we can help. Our certified ProAdvisors have handled many successful QB Desktop to Online conversions. We will set up your Quickbooks Online data file correctly, successfully convert your existing data, and provide training.</image:caption>
    </image:image>
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      <image:title>Services Tabs - QuickBooks - QuickBooks Mobile</image:title>
      <image:caption>If you are ready to take the next step and master the QuickBooks Mobile app, we can show you how it integrates seamlessly with your business, creates efficiencies, and allows you access to critical financial information wherever you are.</image:caption>
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      <image:title>Services Tabs - QuickBooks - QuickBooks Setup and Implementation</image:title>
      <image:caption>Our certified ProAdvisors can help your company with Customizing QuickBooks to fit your needs Upgrading to newer version or Enterprise Edition Integrating third-party apps</image:caption>
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    <image:image>
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      <image:title>Services Tabs - QuickBooks</image:title>
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      <image:title>Services Tabs - QuickBooks - QuickBooks Training</image:title>
      <image:caption>Totaro &amp; Co.’s certified ProAdvisors are available with custom training packages to fit your company’s needs. Whether you are new to QuickBooks or just need a refresher, we offer sessions ranging from 30 minutes to full-day, with ongoing support as needed.</image:caption>
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  </url>
  <url>
    <loc>https://www.totaroandco.com/services-tabs/new-business-setup</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-02-17</lastmod>
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  <url>
    <loc>https://www.totaroandco.com/services-tabs/bookkeeping</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-02-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/601f47fb5d52e7462298d335/ddb168ae-67a3-4b37-b936-49e46d23b744/services-bookkeeping-1.jpg</image:loc>
      <image:title>Services Tabs - Bookkeeping - Virtual Back Office</image:title>
      <image:caption>Think of us as part of your staff. Let us manage your books by customizing a system that provides you with the critical information you need on a timeline that meets your expectations, providing you with accurate, real time financial data so you can make sound business decisions.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/601f47fb5d52e7462298d335/8faaf3d4-b71b-4995-8e32-12120de93442/services-bookkeeping-2.jpg</image:loc>
      <image:title>Services Tabs - Bookkeeping - CFO Services</image:title>
      <image:caption>The numbers always tell a story and understanding what they mean is our expertise. Let us help you understand what your numbers are telling you. From cash flow management, to industry analytics, projections, and sales forecasting, we can help you take your business to the next level.</image:caption>
    </image:image>
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