Frank Zerjav

Manager at ZERJAV & ASSOCIATES

About Frank Zerjav

Frank Zerjav, CPA, together with his team of experienced tax and accounting professionals at Advisory Group Associates and Zerjav & Associates, Certified Public Accountants, have the expertise to help clients implement an efficient accounting system. These dedicated professionals are committed to providing the personal attention, quality work, reliable and helpful services that make complex accounting and compliance tasks easier.
Advisory Group Associates and Zerjav & Associates, Certified Public Accountants, offer proactive accounting solutions including data and payroll processing. An accurate record-keeping system is often designed to suit a client's specific needs. Records can be updated and accounts reconciled on weekly, monthly or quarterly intervals either remotely or at the client's location. The process helps the busy professional or business owners to have more time to devote toward managing cash flows and growing their business.
Traditional CPA services from Frank Zerjav, Advisory Group Associates, and Zerjav & Associates, Certified Public Accountants, include accounting and preparation of income tax returns for individuals, professionals, business owners, corporations, partnerships, estates, and trusts.
Many non-traditional and specialized services are offered by the firms, including entity structuring integrated with asset protection solutions, business and tax advisory involving real estate transactions, strategic business and tax planning, and representation for resolution of tax problems. These tax controversies involve audit defense, trust fund recovery penalties, un-filed tax returns, tax liens and levies, offers in compromise, installment payment plans, and IRS penalty and interest abatement.
From offices in the Westport area of St. Louis County, Frank Zerjav and his staff represent Missouri clients throughout the state, the Midwest and the United States. Frank Zerjav has conducted his practice as a CPA for over 40 years.
A complimentary monthly electronic newsletter to subscribers provide comprehensives and timely insight on a wide range of taxation issues including federal and state tax incentives and current topics.

A Brief Look at the Benefits of Estate Planning

Certified Public Accountant (CPA) Frank L. Zerjav, Sr. serves as the founder and manager of Advisory Group Associates Tax & Advisory firms located in St. Louis County, Missouri, and brings over four decades of experience in strategic tax planning for business and real estate owners, professionals, investors and individuals. Among the Specialized Solutions and professional services offered by CPA Frank Zerjav’s firm is estate planning for individuals since Advisory Group Associates' goal is to help clients come up with ideas that make a difference in their financial lives. One way to do this if through advice about estate planning. Although the topic can be sensitive, there are a number of compelling reasons why individuals should take the initiative to plan what happens to their estate after their death or incapacitation.


First, estate planning ensures that one's wishes are honored. If an individual fails to leave clear directions about the distribution of his or her assets, state laws will determine the distribution. The process generally takes longer and if a person leaves a will. Also, estate planning gives individuals the opportunity to divide their assets among family members or even charitable causes while also avoiding probate costs.

Second, it helps to prevent hurt feelings. Conflicts commonly arise when it comes to asset distribution, even in close families. If individuals communicate with their loved ones prior to incapacitation or death, they can address concerns and make changes as needed to better satisfy everyone concerned.

Lastly, it maximizes the benefits of the estate. Setting up trusts prior to death or incapacitation can help loved ones avoid taxation and also help individuals make the most of their estates. In addition, estate plans serve as a will for assets and nominate a guardian for minors in the event of parental loss.

A well-reviewed estate plan can protect you and your family from law changes that affect taxation and asset protection. It can help shield your loved ones from unnecessary professional fees, court costs, and the death tax some states impose.

Requirements for Becoming a CPA

Frank L. Zerjav is a Certified Public Accountant (CPA) who manages Advisory Group Associates' Tax & Advisory firms. In becoming a CPA, Frank Zerjav Sr. had to fulfill a number of requirements.

Most states will require you to have 150 hours of college instruction before you can take the exam. For most four year bachelor’s degrees you will only earn 120 hours, unless the degree has been specifically altered to allow for the additional 30 you require. As such, upon completion of your bachelor’s degree, you may need to study for a graduate degree in economics, accounting, or a similar financially-themed subject to bring your completed hours up to the minimum number.

Upon earning the required number of course hours, you can then sit for the Uniform CPA Examination. Keep in mind that the conditions surrounding your eligibility to take the exam may differ depending upon your state. For example, some states may require you to have studied a certain number of hours on a particular subject, such as business or accounting.

Upon passing the CPA examination you will receive your CPA certificate. However, it is important to note that the certificate is not the same thing as a license to practice as a CPA. To obtain the license you will need to fulfill specific requirements put forth by the state, which usually involves attaining certain levels of professional experience in addition to earning your certificate.

Finally, you will need to take annual 40 hours of continuing professional education (CPE) courses to maintain your license once it has been granted. Failure to do so could lead to it being revoked.

Tips for Maintaining Relationships

Frank L. Zerjav is a CPA with over 40 years of experience. He offers his services as a CPA to clients throughout the United States through Advisory Group Associates' Tax & Advisory firms. Frank Zerjav Sr. points out his relationships with clients as key in his accomplishments as an professional. Here is some useful advice for those wishing to improve their own client/customer relationships.


1. A convention in customer service holds that 12 positive customer experiences are required to make up for a single negative interaction. As such, businesses must make providing the best service possible a paramount concern.

2. Patience pays off, so take the time to develop relationships. Many negative customer experiences are rooted in companies trying to do too much too soon without having developed the relationship first.

3. Regular communication pays off, especially in the age of social media. According to Gartner, which is one of the world’s leading information technology research specialists, failure to reply to communications via social media can contribute to a 15 percent client churn rate. Responding to communication attempts via phone and email is just as vital.

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