NormAndy Financial Services

NormAndy Financial Services is a savings consulting firm that helps businesses and commercial property owners maximize return on investment, recover wasted capital expense and insurance overpayments, bring lost revenue back in-house, and much more.

NormAndy is backed by a powerful network of highly-qualified professional financial analysts and service advisers, engineers, accountants and attorneys.

NFS sells nothing. We take no upfront fees or retainers and don’t get paid unless we better your bottom line!

We also analyze over one hundred risk free programs and services at the local, State and Federal levels to see which of them your company might qualify for to receive stimulus money. Some of these include energy conservation tax deductions, green building services and hiring and manufacturing incentives. Let us help you get your share of the stimulus package before it disappears.

Franchise Solutions Brochure

Who We Help

  • Commercial Property Benefits – commercial property owners who purchased a building for at least $500,000 in the last 20 years or Lease Holders who spent at least $250,000 on renovations in the last 20 years.
  • Manufacturing Incentives – manufacturers with at least $1,000,000 in payroll (software companies of any size.
  • Merchant Processing – companies that accept credit cards.
  • Telecom/Internet – companies with telecom and internet needs.
  • Cell Phone Audit – companies that spend at least $1,000 per month in Cellular Phone usage.
  • Workers’ Comp Audit – companies that spend at least $50,000 per year in Workers’ Compensation premiums.
  • Payroll Administration – any company with payroll administration needs.
  • Class Action Suits – various class action suits.
  • Energy Deregulation – companies using electricity or natural gas.
  • Energy Management Systems – companies using electricity.
  • Utility Audit – companies using electricity, natural gas and water & sewer.
  • Property Tax Abatement – companies with Real & Personal Property Taxes exceeding $50,000 per year(restaurants exceeding $20,000).
  • EPAct Study – companies with at least $8,000 per month in Energy Expense or at least 50,000 square feet in size.
  • Shipping & Freight Audit – companies with shipping expenses exceeding $200,000 a year with UPS and/or FedEx.
  • Employee Hiring Incentives – employers that hire at least 100 employees per year including turnover.
  • Food Procurement – restaurant chains and FoodService operators purchasing between 10-100 million dollars.
  • Waste & Recycling Audit – companies that spend at least $300 per month in Waste Removal & Recycling.
  • Bank Fee Audit – Companies with $50 million or more in revenue.
  • Leasing Audit – Companies with leasing expenses of at least $50,000 annually.
  • Health Insurance Audit – companies that provide health insurance for at least 50 employees.
  • Classic 105 – health insurance benefits plan.
  • Vendor Compliance – companies doing business with over 200 vendors.
  • Business Financing – any type of business financing.
  • Small Business Solutions – companies looking to outsource AR, AP, training or other services.
  • Innovative Water Solutions – companies using large volumes of water and sewer.
  • Group Purchasing Organization (GPO) – companies purchasing or need services for office supplies,cleaning supplies, paint, carpet, tile, facility services, first aid, defibrillators, copier services, printing services, food,kitchen supplies, alarms, video surveillance, electrical supplies, rental equipment

Solutions By Industry


If you are like many of our Auto Dealer clients, you have been forced to make significant improvements to your facility. These improvements are generally to your show room, office areas and building facade and are often in excess of $1,000,000. These improvements are eligible for Cost Segregation, and potentially 100% Bonus Depreciation! NormAndy Financial Services also specializes in reducing Property Taxes for Auto Dealerships which are often exorbitantly high due to the large lot size. If you own an Auto Dealership and have not completed an Engineering-based Cost Segregation study or Property Tax Review, NormAndy Financial Services would welcome the opportunity to work with you.

Commercial Real Estate Investment

Nowadays, minuscule bank returns and a nervous stock market have many turning to other investments. Those placing their hard earned money (and credit) into the world of Commercial Real Estate Investment, need to know their tax incentive options, which mainly revolve around “depreciation”. Every commercial property should be depreciated properly, especially for those generating positive cash flow. Furthermore, new construction properties over the past few years have additional “bonus depreciation” eligibility as well. At a time when tax rates are increasing, not going after these benefits can be quite costly. NormAndy Financial Services works with Commercial Real Estate Investors across the nation on maximizing tax incentives for their investment properties. If you have constructed, purchased, or renovated, commercial real estate over the past few years, let NormAndy Financial Services complete a free analysis to determine your tax incentive opportunities.

Funeral Home

An often overlooked industry for federal tax incentives is Funeral Homes. In this industry, the business has often remained “in the family” for many years, even generations. As a result, federal tax incentive eligibility has rarely been investigated. Fortunately, for Funeral Home owners, there is likely a considerable benefit waiting for them. Since most Funeral Homes have been purchased or constructed for over $1,000,000 and the business is generally paying taxes at a high bracket, they are ideal candidates for the Cost Segregation tax benefit. Furthermore, we have seen many Funeral Homes across the nation undergoing significant renovations, most of which qualify for the benefit as well. If you own a Funeral Home and have yet to complete an Engineering-based Cost Segregation study, now is the time to investigate this benefit.


At $240,000, the Hotel & Hospitality industry is currently number two, trailing only the manufacturing sector for largest average savings received per client. Since nearly all business owners in this industry own their building(s), there is substantial opportunity for both Cost Segregation and Property Tax projects. We have completed studies for nearly all of the major hotel brands across the country.

Manufacturing / Research & Development

Over $100 billion is available for U.S. manufacturers. There is simply no other single industry with this level of available incentives. Unfortunately, small to mid-sized firms are consistently missing out on these funds. Programs such as the Section 41 Research Credit, Cost Segregation, Property Tax Mitigation, Energy EPAct, and others are potentially available to you. If you are not a Fortune 100 firm, NormAndy Financial Services is your specialized tax incentive advocate and will vigorously work to ensure all eligible monies are captured. If you own a manufacturing firm and are paying taxes, it is time to contact us for a free analysis of your available incentives.


High Incomes equal high tax rates! Medical practitioners, such as doctors, dentists, dermatologists, and optometrists, are often paying a substantial tax bill each year due to their high incomes. NormAndy Financial Services service line is ideally suited to serve this community, evidenced by our success across the nation in procuring incentives for those in the medical community. If you are in this industry and own commercial property, you are likely eligible for significant tax savings through NormAndy Financial Services Cost Segregation service. Furthermore, if you are paying Personal Property Tax on your equipment, NormAndy can help lower that bill as well! Why pay more in taxes than you have to? Let NormAndy go to work for you!


Non-Profits can significantly benefit from all of our non tax based services. The management of the typical Non-Profit is spending so much time running the organization, they don’t have time to pay attention to the very important side of things, their expenses. NormAndy Financial Services has a complete line of contingent based services that can significantly reduce the operating expenses of your organization and audits that can capture refunds on errors made in the past. If you run an organization that has expenses, we can help your bottom line. Contact us today to find out how.

Office Building

Since almost all owners of office buildings are profitable, there is substantial opportunity for Cost Segregation and Property Tax Abatement along with expense reduction services and audits. NormAndy Financial Services line of contingent based services and audits work nicely into the office building environment. Along with tax based incentives, office buildings benefit from energy procurement, energy management systems and utility audits. Let us help you help your bottom line.


From large national restaurant chains, to local dining establishments, there are hundreds of millions of incentive dollars made available by the Federal Government. The industry as a whole is currently undergoing significant changes. Major renovations to “modernize” facilities are now commonplace amongst nearly every major restaurant brand. Nearly all of these renovations are eligible for Federal incentive dollars. Unfortunately, most of these funds will remain in Washington. Over the years, NormAndy Financial Services has successfully captured millions of dollars for restaurant owners. If you have purchased, renovated, or constructed a restaurant over the past ten years, let NormAndy complete a free analysis to see how much you are eligible for.


Retailers of all sizes qualify for our expense reduction and cost recovery services. Retailers are undergoing major changes like other industries. With extensive renovations to their locations to keep things fresh and bring in new products or opening of new locations. A good portion of these renovations are eligible for Federal Incentive dollars and most retailers have no clue how to get these incentives. If you own a retail store, let us help you with specialized tax incentives or any of our numerous expense reduction services and risk free audits.

Why Choose Us?

  • Over $350M in Client Savings
  • Industry Specific Experts
  • National Strategic Partnerships
  • Collaboration with your CPA Firm
  • Proven Track Record
  • Free Consultation / Estimate
  • Dedicated Client Commitment

Sample Markets and Clients We Serve

Click here to see Sample Markets and Clients We Serve

Contact Us

NormAndy Financial Services
3470 Olney – Laytonsville Road
Suite 187
Olney, Maryland 20832
1-800-606-6762 phone
1-800-926-5960 fax

Click this link for information on our Business Savings Assessment.

Additional Offices:

1100 Torrey Road
Suite 100
Fenton, MI 48430
1-800-606-6762 x 150

13110 Coastal Highway
Unit 611
Ocean City, Maryland 21842
1-800-606-6762 x 102

1257 Worcester Road
Suite 500
Framingham, MA 01701


Do you like people and enjoy working outside the monotony of an office environment? Do you enjoy helping companies save money?

Consider a career as a NormAndy Financial Services Consultant. As one of our Consultants you will be out talking to prospective clients on a daily basis. We train you and help you get your own leads. With the flexibility that NormAndy offers its Consultants, there is no night or weekend work required. Sales experience is a plus.

Phone Representative:
Are you looking for a job you can do from the comfort of your own home? Do you have a pleasant phone voice? Then consider a job setting up appointments for NormAndy Financial Services. You will be paid a commission for every appointment you make for us and a bonus if we close the account. You can work as many hours as you want and enjoy total flexibility.

The next step could change your life forever!

If you would like more information or to apply for a position with NormAndy Financial Services, please e-mail us at and send us your name, address and phone number. Attach your resume or questions and someone from NormAndy will contact you shortly.

Thank you,