By Christine Graf
Express Employment Professionals, a locally owned small business, opened its second Capital Region location in December.
It is located in the T.J. Maxx plaza on Route 50 in Saratoga Springs. Owner Jordan Modiano opened his first Express Employment franchise in Albany in September 2015.
“To put it simply, we help people find jobs, and we help companies find employees,” he said.
A Long Island native, Modiano moved to the area in 1999. He had a 20-year career in advertising and marketing before purchasing the franchise. Express Employment Professionals was founded in 1983 and has more than 780 franchise locations in the United States, Canada, and South Africa.
“I wanted to do something that made a difference in people’s lives and the community that I live in,” Modiano “That’s been something I’ve wanted to do for a long time.”
According to Modiano, his franchise currently specializes in providing employment services to several specific employment sectors.

By Susan E. Campbell
Small business owners have the flexibility to choose whichever type of retirement plan they desire to accumulate a future nest egg on a tax-deferred basis. But that doesn’t mean the decision is easy, or that the company may need to change to a different plan in years ahead.
“Each of the four basic types of defined contribution plans has advantages and drawbacks,” said Laurie A. Stillwell, CPA, in Saratoga Springs.
“My job is to talk through what the business owners’ goals are and direct them to the plan that checks those boxes,” she said.
“Companies are not stuck in a plan once they have it,” said Richard J. Fuller, CPA in Glens Falls. “But if there is to be a switch, it has to be done right.”
“There is no one-size-fits-all with retirement plans,” said Stillwell. “A plan may work well for the first five years, but in year 10 or 15, it may no longer fit.”