fertig

src/App.tsx

@@ -9,10 +9,33 @@ import ServicesPage from "./pages/ServicesPage";
 import InfoCenter from "./pages/InfoCenter";
 import Newsletters from "./pages/Newsletters";
 import FinancialTools from "./pages/FinancialTools";
+import FinancialToolsAuto from "./pages/FinancialToolsAuto";
+import FinancialToolsBusiness from "./pages/FinancialToolsBusiness";
+import FinancialToolsDebt from "./pages/FinancialToolsDebt";
+import FinancialToolsInsurance from "./pages/FinancialToolsInsurance";
+import FinancialToolsInvestment from "./pages/FinancialToolsInvestment";
+import FinancialToolsLoan from "./pages/FinancialToolsLoan";
+import FinancialToolsMortgage from "./pages/FinancialToolsMortgage";
+import FinancialToolsPersonalFinance from "./pages/FinancialToolsPersonalFinance";
+import FinancialToolsRetirement from "./pages/FinancialToolsRetirement";
+import FinancialToolsSavings from "./pages/FinancialToolsSavings";
+import FinancialToolsTax from "./pages/FinancialToolsTax";
 import Links from "./pages/Links";
 import Resources from "./pages/Resources";
 import TestimonialsPage from "./pages/TestimonialsPage";
 import Contact from "./pages/Contact";
+import PrivacyPolicy from "./pages/PrivacyPolicy";
+import Accessibility from "./pages/Accessibility";
+import TaxPreparation from "./pages/services/TaxPreparation";
+import AccountingBookkeeping from "./pages/services/AccountingBookkeeping";
+import PayrollSolutions from "./pages/services/PayrollSolutions";
+import IRSRepresentation from "./pages/services/IRSRepresentation";
+import BusinessConsulting from "./pages/services/BusinessConsulting";
+import EstatePlanning from "./pages/services/EstatePlanning";
+import FinancialPlanning from "./pages/services/FinancialPlanning";
+import RetirementPlanning from "./pages/services/RetirementPlanning";
+import EstateTrustTax from "./pages/services/EstateTrustTax";
+import SalesTax from "./pages/services/SalesTax";
 import NotFound from "./pages/NotFound";
 
 const queryClient = new QueryClient();
@@ -30,10 +53,33 @@ const App = () => (
           <Route path="/info-center" element={<InfoCenter />} />
           <Route path="/newsletters" element={<Newsletters />} />
           <Route path="/financial-tools" element={<FinancialTools />} />
+          <Route path="/financial-tools/auto" element={<FinancialToolsAuto />} />
+          <Route path="/financial-tools/business" element={<FinancialToolsBusiness />} />
+          <Route path="/financial-tools/debt-credit-cards" element={<FinancialToolsDebt />} />
+          <Route path="/financial-tools/insurance" element={<FinancialToolsInsurance />} />
+          <Route path="/financial-tools/investment" element={<FinancialToolsInvestment />} />
+          <Route path="/financial-tools/loan" element={<FinancialToolsLoan />} />
+          <Route path="/financial-tools/mortgage" element={<FinancialToolsMortgage />} />
+          <Route path="/financial-tools/personal-finance" element={<FinancialToolsPersonalFinance />} />
+          <Route path="/financial-tools/retirement" element={<FinancialToolsRetirement />} />
+          <Route path="/financial-tools/savings" element={<FinancialToolsSavings />} />
+          <Route path="/financial-tools/tax" element={<FinancialToolsTax />} />
           <Route path="/links" element={<Links />} />
           <Route path="/resources" element={<Resources />} />
           <Route path="/testimonials" element={<TestimonialsPage />} />
           <Route path="/contact" element={<Contact />} />
+          <Route path="/privacy-policy" element={<PrivacyPolicy />} />
+          <Route path="/accessibility" element={<Accessibility />} />
+          <Route path="/services/tax-preparation" element={<TaxPreparation />} />
+          <Route path="/services/accounting-bookkeeping" element={<AccountingBookkeeping />} />
+          <Route path="/services/payroll-solutions" element={<PayrollSolutions />} />
+          <Route path="/services/irs-representation" element={<IRSRepresentation />} />
+          <Route path="/services/business-consulting" element={<BusinessConsulting />} />
+          <Route path="/services/estate-planning" element={<EstatePlanning />} />
+          <Route path="/services/financial-planning" element={<FinancialPlanning />} />
+          <Route path="/services/retirement-planning" element={<RetirementPlanning />} />
+          <Route path="/services/estate-trust-tax" element={<EstateTrustTax />} />
+          <Route path="/services/sales-tax" element={<SalesTax />} />
           {/* ADD ALL CUSTOM ROUTES ABOVE THE CATCH-ALL "*" ROUTE */}
           <Route path="*" element={<NotFound />} />
         </Routes>

src/components/CtaSection.tsx

@@ -19,6 +19,7 @@ const CtaSection = () => {
               size="lg" 
               variant="outline"
               className="bg-cream text-forest hover:bg-cream/90 border-cream btn-shadow text-lg px-8 py-3 rounded-2xl"
+              onClick={() => window.location.href = '/contact'}
             >
               Schedule Free Consultation
               <ArrowRight className="ml-2 w-5 h-5" />

src/components/Footer.tsx

@@ -6,7 +6,7 @@ const Footer = () => {
   return (
     <footer className="bg-forest text-cream py-16">
       <div className="container mx-auto px-4">
-        <div className="grid md:grid-cols-2 lg:grid-cols-4 gap-8">
+        <div className="grid md:grid-cols-2 lg:grid-cols-5 gap-8">
           {/* Company Info */}
           <div className="lg:col-span-2">
             <h3 className="text-2xl font-display font-semibold mb-4">
@@ -40,27 +40,53 @@ const Footer = () => {
             </div>
           </div>
           
+          {/* Navigation */}
+          <div>
+            <h4 className="font-display font-semibold mb-4">Navigation</h4>
+            <ul className="space-y-2">
+              <li><a href="/" className="text-cream/80 hover:text-cream gentle-transition">Home</a></li>
+              <li><a href="/about" className="text-cream/80 hover:text-cream gentle-transition">Firm Profile</a></li>
+              <li><a href="/services" className="text-cream/80 hover:text-cream gentle-transition">Client Services</a></li>
+              <li><a href="/resources" className="text-cream/80 hover:text-cream gentle-transition">Info Center</a></li>
+              <li><a href="/newsletters" className="text-cream/80 hover:text-cream gentle-transition">Newsletters</a></li>
+              <li><a href="/financial-tools" className="text-cream/80 hover:text-cream gentle-transition">Financial Tools</a></li>
+              <li><a href="/links" className="text-cream/80 hover:text-cream gentle-transition">Links</a></li>
+              <li><a href="/contact" className="text-cream/80 hover:text-cream gentle-transition">Contact Us</a></li>
+            </ul>
+          </div>
+          
           {/* Services */}
           <div>
             <h4 className="font-display font-semibold mb-4">Services</h4>
             <ul className="space-y-2">
-              <li><a href="#" className="text-cream/80 hover:text-cream gentle-transition">Tax Preparation</a></li>
+              <li><a href="/services" className="text-cream/80 hover:text-cream gentle-transition">Tax Preparation & Planning</a></li>
-              <li><a href="#" className="text-cream/80 hover:text-cream gentle-transition">Accounting & Bookkeeping</a></li>
+              <li><a href="/services" className="text-cream/80 hover:text-cream gentle-transition">Accounting & Bookkeeping</a></li>
-              <li><a href="#" className="text-cream/80 hover:text-cream gentle-transition">Payroll Solutions</a></li>
+              <li><a href="/services" className="text-cream/80 hover:text-cream gentle-transition">Payroll Solutions</a></li>
-              <li><a href="#" className="text-cream/80 hover:text-cream gentle-transition">IRS Representation</a></li>
+              <li><a href="/services" className="text-cream/80 hover:text-cream gentle-transition">IRS Representation</a></li>
-              <li><a href="#" className="text-cream/80 hover:text-cream gentle-transition">Business Consulting</a></li>
+              <li><a href="/services" className="text-cream/80 hover:text-cream gentle-transition">Business Consulting & Formation</a></li>
+              <li><a href="/services" className="text-cream/80 hover:text-cream gentle-transition">Estate Planning</a></li>
+              <li><a href="/services" className="text-cream/80 hover:text-cream gentle-transition">Financial Planning</a></li>
+              <li><a href="/services" className="text-cream/80 hover:text-cream gentle-transition">Retirement Planning</a></li>
+              <li><a href="/services" className="text-cream/80 hover:text-cream gentle-transition">Estate & Trust Tax Preparation</a></li>
+              <li><a href="/services" className="text-cream/80 hover:text-cream gentle-transition">Sales Tax Services</a></li>
             </ul>
           </div>
           
-          {/* Resources */}
+          {/* Financial Tools */}
           <div>
-            <h4 className="font-display font-semibold mb-4">Resources</h4>
+            <h4 className="font-display font-semibold mb-4">Financial Tools</h4>
             <ul className="space-y-2">
-              <li><a href="#" className="text-cream/80 hover:text-cream gentle-transition">Tax Guides</a></li>
+              <li><a href="/financial-tools/auto" className="text-cream/80 hover:text-cream gentle-transition">Auto</a></li>
-              <li><a href="#" className="text-cream/80 hover:text-cream gentle-transition">Calculators</a></li>
+              <li><a href="/financial-tools/business" className="text-cream/80 hover:text-cream gentle-transition">Business</a></li>
-              <li><a href="#" className="text-cream/80 hover:text-cream gentle-transition">FAQs</a></li>
+              <li><a href="/financial-tools/debt" className="text-cream/80 hover:text-cream gentle-transition">Debt and Credit Cards</a></li>
-              <li><a href="#" className="text-cream/80 hover:text-cream gentle-transition">Client Login</a></li>
+              <li><a href="/financial-tools/insurance" className="text-cream/80 hover:text-cream gentle-transition">Insurance</a></li>
-              <li><a href="#" className="text-cream/80 hover:text-cream gentle-transition">Newsletter</a></li>
+              <li><a href="/financial-tools/investment" className="text-cream/80 hover:text-cream gentle-transition">Investment</a></li>
+              <li><a href="/financial-tools/loan" className="text-cream/80 hover:text-cream gentle-transition">Loan</a></li>
+              <li><a href="/financial-tools/mortgage" className="text-cream/80 hover:text-cream gentle-transition">Mortgage</a></li>
+              <li><a href="/financial-tools/personal-finance" className="text-cream/80 hover:text-cream gentle-transition">Personal Finance</a></li>
+              <li><a href="/financial-tools/retirement" className="text-cream/80 hover:text-cream gentle-transition">Retirement</a></li>
+              <li><a href="/financial-tools/savings" className="text-cream/80 hover:text-cream gentle-transition">Savings</a></li>
+              <li><a href="/financial-tools/tax" className="text-cream/80 hover:text-cream gentle-transition">Tax</a></li>
             </ul>
           </div>
         </div>
@@ -72,8 +98,8 @@ const Footer = () => {
               <span>CPA • AICPA Member • IRS Enrolled Agent</span>
             </div>
             <div className="flex gap-6 text-sm text-cream/70">
-              <a href="#" className="hover:text-cream gentle-transition">Privacy Policy</a>
+              <a href="/privacy-policy" className="hover:text-cream gentle-transition">Privacy Policy</a>
-              <a href="#" className="hover:text-cream gentle-transition">Accessibility</a>
+              <a href="/accessibility" className="hover:text-cream gentle-transition">Accessibility</a>
             </div>
           </div>
           

src/components/Hero.tsx

@@ -30,6 +30,7 @@ const Hero = () => {
           <Button 
             size="lg" 
             className="bg-cream text-forest hover:bg-cream/90 btn-shadow text-lg px-8 py-3 rounded-2xl"
+            onClick={() => window.location.href = '/contact'}
           >
             Schedule Free Consultation
             <ArrowRight className="ml-2 w-5 h-5" />

src/components/Navigation.tsx

@@ -47,7 +47,7 @@ const Navigation = () => {
             <Button 
               size="sm" 
               className="btn-shadow"
-              onClick={() => window.open('tel:+13618839999')}
+              onClick={() => window.location.href = '/contact'}
             >
               <Phone className="w-4 h-4 mr-2" />
               Schedule Consultation
@@ -83,7 +83,7 @@ const Navigation = () => {
                 <Button 
                   size="sm" 
                   className="ml-3 btn-shadow"
-                  onClick={() => window.open('tel:+13618839999')}
+                  onClick={() => window.location.href = '/contact'}
                 >
                   <Phone className="w-4 h-4 mr-2" />
                   Schedule Consultation

src/components/ScrollToTop.tsx

@@ -0,0 +1,46 @@
+import { useState, useEffect } from "react";
+import { Button } from "@/components/ui/button";
+import { ChevronUp } from "lucide-react";
+
+const ScrollToTop = () => {
+  const [isVisible, setIsVisible] = useState(false);
+
+  // Show button when page is scrolled down
+  const toggleVisibility = () => {
+    if (window.pageYOffset > 300) {
+      setIsVisible(true);
+    } else {
+      setIsVisible(false);
+    }
+  };
+
+  // Set the scroll event listener
+  useEffect(() => {
+    window.addEventListener("scroll", toggleVisibility);
+    return () => window.removeEventListener("scroll", toggleVisibility);
+  }, []);
+
+  // Scroll to top smoothly
+  const scrollToTop = () => {
+    window.scrollTo({
+      top: 0,
+      behavior: "smooth",
+    });
+  };
+
+  return (
+    <>
+      {isVisible && (
+        <Button
+          onClick={scrollToTop}
+          className="fixed bottom-8 right-8 z-50 bg-brass hover:bg-brass/90 text-white rounded-full w-12 h-12 p-0 shadow-lg hover:shadow-xl gentle-transition"
+          aria-label="Scroll to top"
+        >
+          <ChevronUp className="w-6 h-6" strokeWidth={2} />
+        </Button>
+      )}
+    </>
+  );
+};
+
+export default ScrollToTop;

src/components/Services.tsx

@@ -1,5 +1,6 @@
 import { ArrowRight, Calculator, FileText, Users, Shield, Building, Heart, TrendingUp, PiggyBank, Scale, Briefcase } from "lucide-react";
 import { Card, CardContent } from "@/components/ui/card";
+import { Link } from "react-router-dom";
 
 const Services = () => {
   const services = [
@@ -8,70 +9,80 @@ const Services = () => {
       title: "Tax Preparation & Planning",
       description: "Maximize deductions with proactive quarterly planning and audit-ready documentation.",
       image: "/lovable-uploads/Screenshot 2025-09-10 183339.png",
-      alt: "TAX illustration with geometric patterns"
+      alt: "TAX illustration with geometric patterns",
+      link: "/services/tax-preparation"
     },
     {
       icon: Calculator,
       title: "Accounting & Bookkeeping",
       description: "Monthly books, financial statements, and cash-flow management for clear business insights.",
       image: "/lovable-uploads/Screenshot 2025-09-10 183757.png",
-      alt: "Financial documents and accounting illustration"
+      alt: "Financial documents and accounting illustration",
+      link: "/services/accounting-bookkeeping"
     },
     {
       icon: Users,
       title: "Payroll Solutions",
       description: "Full compliance, filings, and benefits coordination to keep your team paid accurately.",
       image: "/lovable-uploads/Screenshot 2025-09-10 183224.png",
-      alt: "Balance scale with payroll and employee elements"
+      alt: "Balance scale with payroll and employee elements",
+      link: "/services/payroll-solutions"
     },
     {
       icon: Shield,
       title: "IRS Representation",
       description: "Expert audit defense, penalty negotiations, and payment plan arrangements.",
       image: "/lovable-uploads/741d6934-b230-43fb-9aac-a2699bba0915.png",
-      alt: "IRS documents with magnifying glass illustration"
+      alt: "IRS documents with magnifying glass illustration",
+      link: "/services/irs-representation"
     },
     {
       icon: Building,
       title: "Business Consulting & Formation",
       description: "Entity selection, business valuation partners, and operating agreement guidance.",
       image: "/lovable-uploads/bea5e6b1-7510-4876-955e-a265f2600ec5.png",
-      alt: "Business essentials with smartphone and notebook"
+      alt: "Business essentials with smartphone and notebook",
+      link: "/services/business-consulting"
     },
     {
       icon: Heart,
       title: "Estate Planning",
       description: "Comprehensive estate planning to facilitate orderly transfer of assets and reduce tax burden.",
-      image: "/lovable-uploads/Screenshot 2025-09-10 183339.png",
+      image: "/lovable-uploads/Google_AI_Studio_2025-09-11T09_55_14.687Z.png",
-      alt: "Estate planning illustration"
+      alt: "Estate planning illustration",
+      link: "/services/estate-planning"
     },
     {
       icon: TrendingUp,
       title: "Financial Planning",
       description: "Structured financial plans to help you face any financial challenge at each stage of life.",
-      image: "/lovable-uploads/Screenshot 2025-09-10 183757.png",
+      image: "/lovable-uploads/Google_AI_Studio_2025-09-11T09_54_01.454Z.png",
-      alt: "Financial planning illustration"
+      alt: "Financial planning illustration",
+      link: "/services/financial-planning"
     },
     {
       icon: PiggyBank,
       title: "Retirement Planning",
       description: "Successful implementation and periodic review to ensure financial independence through retirement.",
-      image: "/lovable-uploads/Screenshot 2025-09-10 183224.png",
+      image: "/lovable-uploads/Google_AI_Studio_2025-09-11T09_56_26.432Z.png",
-      alt: "Retirement planning illustration"
+      alt: "Retirement planning illustration",
+      link: "/services/retirement-planning"
     },
     {
       icon: Scale,
       title: "Estate & Trust Tax Preparation",
       description: "Specialized tax preparation for estates and trusts with expert guidance on complex tax matters.",
-      image: "/lovable-uploads/741d6934-b230-43fb-9aac-a2699bba0915.png",
+      image: "/lovable-uploads/Google_AI_Studio_2025-09-11T09_59_04.137Z.png",
-      alt: "Estate and trust tax illustration"
+      alt: "Estate and trust tax illustration",
+      link: "/services/estate-trust-tax"
     },
     {
       icon: Briefcase,
       title: "Sales Tax Services",
       description: "Assistance with sales tax collection, compilation, and preparation of returns across multiple jurisdictions.",
-      image: "/lovable-uploads/bea5e6b1-7510-4876-955e-a265f2600ec5.png",
+      image: "/lovable-uploads/Google_AI_Studio_2025-09-11T10_33_07.361Z.png",
-      alt: "Sales tax services illustration"
+      alt: "Sales tax services illustration",
+      link: "/services/sales-tax"
     }
   ];
 
@@ -91,35 +102,37 @@ const Services = () => {
           {services.map((service, index) => {
             const Icon = service.icon;
             return (
-              <Card key={index} className="card-elevation hover:shadow-lg gentle-transition group cursor-pointer rounded-2xl overflow-hidden">
+              <Link key={index} to={service.link}>
-                {service.image && (
+                <Card className="card-elevation hover:shadow-lg gentle-transition group cursor-pointer rounded-2xl overflow-hidden h-full">
-                  <div className="aspect-video overflow-hidden">
+                  {service.image && (
-                    <img
+                    <div className="aspect-video overflow-hidden">
-                      src={service.image}
+                      <img
-                      alt={service.alt || ""}
+                        src={service.image}
-                      className="w-full h-full object-cover group-hover:scale-105 smooth-transition"
+                        alt={service.alt || ""}
-                    />
+                        className="w-full h-full object-cover group-hover:scale-105 smooth-transition"
-                  </div>
+                      />
-                )}
+                    </div>
-                <CardContent className="p-8">
+                  )}
-                  <div className="w-12 h-12 bg-brass/20 rounded-2xl flex items-center justify-center mb-6">
+                  <CardContent className="p-8">
-                    <Icon className="w-6 h-6 text-brass" strokeWidth={1.5} />
+                    <div className="w-12 h-12 bg-brass/20 rounded-2xl flex items-center justify-center mb-6">
-                  </div>
+                      <Icon className="w-6 h-6 text-brass" strokeWidth={1.5} />
-                  
+                    </div>
-                  <h3 className="text-display-md font-display font-medium text-forest mb-4">
+                    
-                    {service.title}
+                    <h3 className="text-display-md font-display font-medium text-forest mb-4">
-                  </h3>
+                      {service.title}
-                  
+                    </h3>
-                  <p className="text-sage mb-6 leading-relaxed">
+                    
-                    {service.description}
+                    <p className="text-sage mb-6 leading-relaxed">
-                  </p>
+                      {service.description}
-                  
+                    </p>
-                  <div className="flex items-center text-forest group-hover:text-brass gentle-transition">
+                    
-                    <span className="font-medium">Learn more</span>
+                    <div className="flex items-center text-forest group-hover:text-brass gentle-transition">
-                    <ArrowRight className="ml-2 w-4 h-4 group-hover:translate-x-1 gentle-transition" />
+                      <span className="font-medium">Learn more</span>
-                  </div>
+                      <ArrowRight className="ml-2 w-4 h-4 group-hover:translate-x-1 gentle-transition" />
-                </CardContent>
+                    </div>
-              </Card>
+                  </CardContent>
+                </Card>
+              </Link>
             );
           })}
         </div>

src/pages/About.tsx

@@ -1,5 +1,6 @@
 import Navigation from "@/components/Navigation";
 import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
 import { Award, Users, Shield, CheckCircle2 } from "lucide-react";
 
 const About = () => {
@@ -26,9 +27,10 @@ const About = () => {
         <section 
           className="relative py-32 flex items-center justify-center text-center"
           style={{
-            backgroundImage: "url('/lovable-uploads/bea5e6b1-7510-4876-955e-a265f2600ec5.png')",
+            backgroundImage: "url('/lovable-uploads/f8f08a1a-0132-4376-af8a-c5bb86f0627e.png')",
-            backgroundSize: "cover",
+            backgroundSize: "90% 80%",
-            backgroundPosition: "center"
+            backgroundPosition: "center",
+            backgroundRepeat: "no-repeat"
           }}
         >
           <div className="absolute inset-0 bg-forest/60"></div>
@@ -166,6 +168,7 @@ const About = () => {
         </section>
       </main>
       <Footer />
+      <ScrollToTop />
     </div>
   );
 };

src/pages/Accessibility.tsx

@@ -0,0 +1,283 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Eye, Keyboard, MousePointer, Volume2, Smartphone, Users } from "lucide-react";
+
+const Accessibility = () => {
+  const lastUpdated = "September 11, 2025";
+
+  const features = [
+    {
+      icon: Eye,
+      title: "Visual Accessibility",
+      description: "High contrast colors, readable fonts, and scalable text for better visibility."
+    },
+    {
+      icon: Keyboard,
+      title: "Keyboard Navigation",
+      description: "Full keyboard navigation support for users who cannot use a mouse."
+    },
+    {
+      icon: MousePointer,
+      title: "Screen Reader Support",
+      description: "Structured content and proper labeling for screen reader compatibility."
+    },
+    {
+      icon: Volume2,
+      title: "Audio Alternatives",
+      description: "Text alternatives for audio content and visual indicators for sound cues."
+    },
+    {
+      icon: Smartphone,
+      title: "Mobile Accessibility",
+      description: "Responsive design that works across all devices and screen sizes."
+    },
+    {
+      icon: Users,
+      title: "Inclusive Design",
+      description: "Designed with diverse abilities and needs in mind from the ground up."
+    }
+  ];
+
+  const guidelines = [
+    {
+      title: "Web Content Accessibility Guidelines (WCAG) 2.1",
+      level: "AA Compliance",
+      description: "We strive to meet WCAG 2.1 Level AA standards for web accessibility."
+    },
+    {
+      title: "Section 508 Compliance",
+      level: "Federal Standards",
+      description: "Following federal accessibility requirements for digital content."
+    },
+    {
+      title: "Americans with Disabilities Act (ADA)",
+      level: "Legal Compliance",
+      description: "Committed to providing equal access as required by the ADA."
+    }
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Banner */}
+        <section className="relative py-24 bg-forest text-cream">
+          <div className="container mx-auto px-4">
+            <div className="max-w-4xl mx-auto text-center">
+              <h1 className="text-display-xl font-display font-bold mb-6">
+                Accessibility Statement
+              </h1>
+              <p className="text-body-lg text-cream/90 max-w-2xl mx-auto">
+                We are committed to ensuring our website and services are accessible to everyone, regardless of ability or technology.
+              </p>
+              <p className="text-sm text-cream/70 mt-4">
+                Last updated: {lastUpdated}
+              </p>
+            </div>
+          </div>
+        </section>
+
+        {/* Commitment Section */}
+        <section className="py-16 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-4xl mx-auto text-center">
+              <h2 className="text-display-lg font-display font-semibold text-forest mb-8">
+                Our Commitment to Accessibility
+              </h2>
+              <p className="text-body-lg text-sage leading-relaxed mb-8">
+                Greg Knopp, P.C. is dedicated to providing equal access to our digital services and ensuring that our website is accessible to people with disabilities. We believe that everyone deserves access to professional financial services, regardless of their abilities or the assistive technologies they use.
+              </p>
+              <p className="text-body-lg text-sage leading-relaxed">
+                We continually work to improve the accessibility of our website and services, implementing best practices and staying current with accessibility standards and guidelines.
+              </p>
+            </div>
+          </div>
+        </section>
+
+        {/* Accessibility Features */}
+        <section className="py-16 bg-muted/30">
+          <div className="container mx-auto px-4">
+            <div className="max-w-6xl mx-auto">
+              <h2 className="text-display-lg font-display font-semibold text-forest mb-12 text-center">
+                Accessibility Features
+              </h2>
+              
+              <div className="grid md:grid-cols-2 lg:grid-cols-3 gap-8">
+                {features.map((feature, index) => (
+                  <div key={index} className="bg-card rounded-2xl p-6 card-elevation">
+                    <div className="w-12 h-12 bg-brass/20 rounded-xl flex items-center justify-center mb-4">
+                      <feature.icon className="w-6 h-6 text-brass" strokeWidth={1.5} />
+                    </div>
+                    <h3 className="text-display-md font-display font-medium text-forest mb-3">
+                      {feature.title}
+                    </h3>
+                    <p className="text-sage leading-relaxed">
+                      {feature.description}
+                    </p>
+                  </div>
+                ))}
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Standards and Guidelines */}
+        <section className="py-16 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-4xl mx-auto">
+              <h2 className="text-display-lg font-display font-semibold text-forest mb-12 text-center">
+                Standards and Guidelines
+              </h2>
+              
+              <div className="space-y-6">
+                {guidelines.map((guideline, index) => (
+                  <div key={index} className="bg-card rounded-2xl p-6 card-elevation">
+                    <div className="flex flex-col md:flex-row md:items-center gap-4">
+                      <div className="flex-1">
+                        <h3 className="text-display-md font-display font-medium text-forest mb-2">
+                          {guideline.title}
+                        </h3>
+                        <p className="text-sage leading-relaxed">
+                          {guideline.description}
+                        </p>
+                      </div>
+                      <div className="bg-brass/20 text-brass px-4 py-2 rounded-lg text-sm font-medium">
+                        {guideline.level}
+                      </div>
+                    </div>
+                  </div>
+                ))}
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Detailed Information */}
+        <section className="py-16 bg-muted/30">
+          <div className="container mx-auto px-4">
+            <div className="max-w-4xl mx-auto">
+              <div className="bg-card rounded-2xl p-8 card-elevation space-y-8">
+                
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-4">
+                    Specific Accessibility Measures
+                  </h2>
+                  <div className="prose prose-lg text-sage space-y-4">
+                    <ul className="list-disc pl-6 space-y-2">
+                      <li><strong>Alternative Text:</strong> All images include descriptive alt text for screen readers</li>
+                      <li><strong>Keyboard Navigation:</strong> All interactive elements are accessible via keyboard</li>
+                      <li><strong>Focus Indicators:</strong> Clear visual focus indicators for keyboard navigation</li>
+                      <li><strong>Color Contrast:</strong> High contrast ratios that meet WCAG AA standards</li>
+                      <li><strong>Text Scaling:</strong> Content remains readable when text is enlarged up to 200%</li>
+                      <li><strong>Headings Structure:</strong> Logical heading hierarchy for screen reader navigation</li>
+                      <li><strong>Form Labels:</strong> Clear, descriptive labels for all form elements</li>
+                      <li><strong>Skip Links:</strong> Navigation shortcuts for screen reader users</li>
+                    </ul>
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-4">
+                    Browser and Assistive Technology Compatibility
+                  </h2>
+                  <div className="prose prose-lg text-sage space-y-4">
+                    <p>Our website is designed to be compatible with:</p>
+                    <ul className="list-disc pl-6 space-y-2">
+                      <li><strong>Screen Readers:</strong> NVDA, JAWS, VoiceOver, and other popular screen readers</li>
+                      <li><strong>Browsers:</strong> Current versions of Chrome, Firefox, Safari, and Edge</li>
+                      <li><strong>Operating Systems:</strong> Windows, macOS, iOS, and Android</li>
+                      <li><strong>Assistive Devices:</strong> Voice recognition software, switch navigation devices</li>
+                    </ul>
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-4">
+                    Known Limitations
+                  </h2>
+                  <div className="prose prose-lg text-sage space-y-4">
+                    <p>
+                      We are continuously working to improve accessibility across our website. If you encounter any accessibility barriers, please let us know so we can address them promptly.
+                    </p>
+                    <p>
+                      Some third-party content or embedded tools may have their own accessibility limitations. We work with vendors to ensure the best possible accessibility for all integrated services.
+                    </p>
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-4">
+                    Alternative Access Methods
+                  </h2>
+                  <div className="prose prose-lg text-sage space-y-4">
+                    <p>
+                      If you have difficulty accessing any content on our website, we offer alternative ways to obtain the information:
+                    </p>
+                    <ul className="list-disc pl-6 space-y-2">
+                      <li>Phone consultations: (361) 883-8999</li>
+                      <li>Email communication: info@gregknopp.com</li>
+                      <li>In-person meetings at our office</li>
+                      <li>Document delivery in alternative formats</li>
+                      <li>Assistance with online forms and submissions</li>
+                    </ul>
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-4">
+                    Ongoing Efforts
+                  </h2>
+                  <div className="prose prose-lg text-sage space-y-4">
+                    <p>
+                      We are committed to continuous improvement and regularly:
+                    </p>
+                    <ul className="list-disc pl-6 space-y-2">
+                      <li>Conduct accessibility audits and testing</li>
+                      <li>Update our website to address identified issues</li>
+                      <li>Train our team on accessibility best practices</li>
+                      <li>Stay current with evolving accessibility standards</li>
+                      <li>Seek feedback from users with disabilities</li>
+                    </ul>
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-4">
+                    Feedback and Contact Information
+                  </h2>
+                  <div className="prose prose-lg text-sage space-y-4">
+                    <p>
+                      Your feedback helps us improve accessibility for everyone. If you:
+                    </p>
+                    <ul className="list-disc pl-6 space-y-2">
+                      <li>Experience difficulty accessing any content</li>
+                      <li>Have suggestions for improvement</li>
+                      <li>Need content in an alternative format</li>
+                      <li>Require assistance with our services</li>
+                    </ul>
+                    <p>Please contact us:</p>
+                    <div className="bg-muted/50 rounded-lg p-6 not-prose">
+                      <p className="font-medium text-forest mb-2">Greg Knopp, P.C.</p>
+                      <p className="text-sage">Corpus Christi, TX</p>
+                      <p className="text-sage">Phone: (361) 883-8999</p>
+                      <p className="text-sage">Email: info@gregknopp.com</p>
+                      <p className="text-sage mt-2 text-sm">
+                        <em>We aim to respond to accessibility feedback within 48 hours.</em>
+                      </p>
+                    </div>
+                  </div>
+                </div>
+
+              </div>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default Accessibility;

src/pages/Contact.tsx

@@ -1,5 +1,6 @@
 import Navigation from "@/components/Navigation";
 import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
 import { Card, CardContent } from "@/components/ui/card";
 import { Button } from "@/components/ui/button";
 import { Input } from "@/components/ui/input";
@@ -22,12 +23,21 @@ const Contact = () => {
       <Navigation />
       <main className="pt-16">
         {/* Hero Section */}
-        <section className="py-24 bg-gradient-subtle">
+        <section 
-          <div className="container mx-auto px-4 text-center">
+          className="relative py-24 flex items-center justify-center text-center"
-            <h1 className="text-display-xl font-display font-bold text-forest mb-6">
+          style={{
+            backgroundImage: "url('/lovable-uploads/f8f08a1a-0132-4376-af8a-c5bb86f0627e.png')",
+            backgroundSize: "90% 80%",
+            backgroundPosition: "center",
+            backgroundRepeat: "no-repeat"
+          }}
+        >
+          <div className="absolute inset-0 bg-forest/60"></div>
+          <div className="relative z-10 container mx-auto px-4 text-center">
+            <h1 className="text-display-xl font-display font-bold text-cream mb-6">
               Get in Touch
             </h1>
-            <p className="text-body-lg text-sage max-w-3xl mx-auto">
+            <p className="text-body-lg text-cream/90 max-w-3xl mx-auto">
               Ready to take control of your financial future? Contact us today for a free consultation and discover how we can help you achieve your goals.
             </p>
           </div>
@@ -278,6 +288,7 @@ const Contact = () => {
         </section>
       </main>
       <Footer />
+      <ScrollToTop />
     </div>
   );
 };

src/pages/FinancialTools.tsx

@@ -1,5 +1,7 @@
+import { useState } from "react";
 import Navigation from "@/components/Navigation";
 import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
 import { Card, CardContent } from "@/components/ui/card";
 import { Button } from "@/components/ui/button";
 import { Input } from "@/components/ui/input";
@@ -15,285 +17,389 @@ import {
   DollarSign,
   FileText,
   Search,
-  ExternalLink
+  ExternalLink,
+  ArrowRight
 } from "lucide-react";
+import { Link } from "react-router-dom";
 
 const FinancialTools = () => {
+  // State für den Mortgage Calculator
+  const [loanAmount, setLoanAmount] = useState<string>("300000");
+  const [interestRate, setInterestRate] = useState<string>("6.5");
+  const [loanTerm, setLoanTerm] = useState<string>("30");
+  const [propertyTax, setPropertyTax] = useState<string>("250");
+  const [insurance, setInsurance] = useState<string>("100");
+  const [calculatedPayment, setCalculatedPayment] = useState<{
+    principalAndInterest: number;
+    propertyTax: number;
+    insurance: number;
+    totalPayment: number;
+  } | null>({
+    principalAndInterest: 1896.20,
+    propertyTax: 250,
+    insurance: 100,
+    totalPayment: 2246.20
+  });
+
+  // Mortgage Payment Calculation Function
+  const calculateMortgagePayment = () => {
+    const principal = parseFloat(loanAmount) || 0;
+    const annualRate = parseFloat(interestRate) || 0;
+    const years = parseFloat(loanTerm) || 0;
+    const monthlyTax = parseFloat(propertyTax) || 0;
+    const monthlyInsurance = parseFloat(insurance) || 0;
+
+    if (principal <= 0 || annualRate < 0 || years <= 0) {
+      setCalculatedPayment(null);
+      return;
+    }
+
+    // Convert annual rate to monthly rate
+    const monthlyRate = annualRate / 100 / 12;
+    // Convert years to months
+    const numberOfPayments = years * 12;
+
+    // Calculate monthly principal and interest payment using standard mortgage formula
+    let monthlyPI = 0;
+    if (monthlyRate > 0) {
+      monthlyPI = principal * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / 
+                 (Math.pow(1 + monthlyRate, numberOfPayments) - 1);
+    } else {
+      // If interest rate is 0, just divide principal by number of payments
+      monthlyPI = principal / numberOfPayments;
+    }
+
+    const totalMonthlyPayment = monthlyPI + monthlyTax + monthlyInsurance;
+
+    setCalculatedPayment({
+      principalAndInterest: Math.round(monthlyPI * 100) / 100,
+      propertyTax: monthlyTax,
+      insurance: monthlyInsurance,
+      totalPayment: Math.round(totalMonthlyPayment * 100) / 100
+    });
+  };
+
+  // Format currency for display
+  const formatCurrency = (amount: number): string => {
+    return new Intl.NumberFormat('en-US', {
+      style: 'currency',
+      currency: 'USD',
+      minimumFractionDigits: 2,
+      maximumFractionDigits: 2
+    }).format(amount);
+  };
+
+  // Mapping der Tool-Namen zu ihren URLs
+  const getToolUrl = (toolName: string): string => {
+    const toolUrlMap: { [key: string]: string } = {
+      // Auto Tools
+      "Auto Loan Early Payoff": "https://www.cchwebsites.com/content/calculators/AutoPayoff.html",
+      "Auto Rebate vs. Low Interest Financing": "https://www.cchwebsites.com/content/calculators/AutoRebate.html",
+      "Auto Refinance Interest Savings": "https://www.cchwebsites.com/content/calculators/ShouldIRefiAuto.html",
+      "Bi-weekly Payments for an Auto Loan": "https://www.cchwebsites.com/content/calculators/AutoBiweekly.html",
+      "Bi-weekly Payments for an Auto Loan with Fees": "https://www.cchwebsites.com/content/calculators/ImpoundAutoBiweekly.html",
+      "Car Loan Calculator": "https://www.cchwebsites.com/content/calculators/AutoLoan.html",
+      "Dealer Financing vs. Credit Union Financing": "https://www.cchwebsites.com/content/calculators/CUAutoRebate.html",
+      "Home Equity Loan vs. Auto loan": "https://www.cchwebsites.com/content/calculators/AutoEquityLoan.html",
+      "Lease vs. Buy": "https://www.cchwebsites.com/content/calculators/BuyvsLease.html",
+      "Low Interest Financing Savings": "https://www.cchwebsites.com/content/calculators/AutoLowInterest.html",
+      
+      // Business Tools
+      "Breakeven Analysis": "https://www.cchwebsites.com/content/calculators/BreakEven.html",
+      "Business Debt Consolidation Calculator": "https://www.cchwebsites.com/content/calculators/BizConsolidate.html",
+      "Business Valuation - Discounted Cash Flow": "https://www.cchwebsites.com/content/calculators/BusinessValuation.html",
+      "Cash Flow Calculator": "https://www.cchwebsites.com/content/calculators/CashFlow.html",
+      "Commercial Loan Calculator": "https://www.cchwebsites.com/content/calculators/DebtService.html",
+      "Debt Service Coverage": "https://www.cchwebsites.com/content/calculators/DebtService2.html",
+      "Equipment Buy vs. Lease": "https://www.cchwebsites.com/content/calculators/BizBuyvsLease.html",
+      "Financial Ratios": "https://www.cchwebsites.com/content/calculators/Ratios.html",
+      "Inventory Analysis": "https://www.cchwebsites.com/content/calculators/Inventory.html",
+      "Like Kind Exchange": "https://www.cchwebsites.com/content/calculators/LikeKindExchange.html",
+      "Profit Margin Calculator": "https://www.cchwebsites.com/content/calculators/ProfitMargin.html",
+      "Repossession of Personal Property from a Deferred Payment Sale": "https://www.cchwebsites.com/content/calculators/RepoPersonalDP.html",
+      "Repossession of Personal Property from an Installment Payment Sale": "https://www.cchwebsites.com/content/calculators/RepoPersonalInstall.html",
+      "Repossession of Real Property": "https://www.cchwebsites.com/content/calculators/RepoReal.html",
+      "Working Capital Needs": "https://www.cchwebsites.com/content/calculators/Capital.html",
+      
+      // Debt and Credit Cards
+      "Accelerated Debt Payoff": "https://www.cchwebsites.com/content/calculators/DebtAccel.html",
+      "Consolidation Loan Investment Calculator": "https://www.cchwebsites.com/content/calculators/InvestmentDebt.html",
+      "Cost-of-Debt Calculator": "https://www.cchwebsites.com/content/calculators/Debt2Amount.html",
+      "Credit Card Minimum Payment Calculator": "https://www.cchwebsites.com/content/calculators/DebtPayoff2.html",
+      "Credit Card Optimizer": "https://www.cchwebsites.com/content/calculators/CardOptimizer.html",
+      "Credit Card Pay Off": "https://www.cchwebsites.com/content/calculators/PayoffCC.html",
+      "Home Equity Debt Consolidation": "https://www.cchwebsites.com/content/calculators/MortgageEquity.html",
+      "How much do you owe?": "https://www.cchwebsites.com/content/calculators/DebtAmount.html",
+      "Personal Debt Consolidation": "https://www.cchwebsites.com/content/calculators/DebtConsolidate.html",
+      "Roll-Down Your Credit Card Debt!": "https://www.cchwebsites.com/content/calculators/DebtRolldown.html",
+      "Snowball Debt Elimination Calculator": "https://www.cchwebsites.com/content/calculators/SnowBall2.html",
+      "Student Loan Consolidation and Debt Payoff": "https://www.cchwebsites.com/content/calculators/StudentRolldown.html",
+      
+      // Insurance Tools
+      "Comprehensive Life Insurance Analysis": "https://www.cchwebsites.com/content/calculators/EnhancedLifeIns.html",
+      "Disability Insurance": "https://www.cchwebsites.com/content/calculators/Disability.html",
+      "Fixed Annuity Calculator": "https://www.cchwebsites.com/content/calculators/FixedAnnuity.html",
+      "Health Savings Account (HSA) Contribution Calculator": "https://www.cchwebsites.com/content/calculators/HSAContribution.html",
+      "Health Savings Account (HSA) Goal Calculator": "https://www.cchwebsites.com/content/calculators/HSAGoal.html",
+      "Health Savings Account (HSA) Savings Calculator": "https://www.cchwebsites.com/content/calculators/HSASavings.html",
+      "Health Savings Account (HSA) vs. Traditional Health Plan": "https://www.cchwebsites.com/content/calculators/HSAvsTraditional.html",
+      "Health Savings Accounts (HSA) Employer Benefit": "https://www.cchwebsites.com/content/calculators/HSABusiness.html",
+      "Human Life Value": "https://www.cchwebsites.com/content/calculators/HumanLifeValue.html",
+      "Immediate Annuity Calculator": "https://www.cchwebsites.com/content/calculators/ImmediateAnnuity.html",
+      "Life Insurance Calculator": "https://www.cchwebsites.com/content/calculators/LifeInsurance.html",
+      "Long Term Care Calculator": "https://www.cchwebsites.com/content/calculators/LongtermCare.html",
+      "Variable Annuity Calculator": "https://www.cchwebsites.com/content/calculators/Annuity.html",
+      "Variable Annuity without Surrender Charges": "https://www.cchwebsites.com/content/calculators/AnnuityNoSurrender.html",
+      
+      // Investment Tools
+      "Annual Rate of Return Calculator": "https://www.cchwebsites.com/content/calculators/AnnualReturn.html",
+      "Annual Stock Option Grants": "https://www.cchwebsites.com/content/calculators/StockGrants.html",
+      "Asset Allocation Calculator": "https://www.cchwebsites.com/content/calculators/AssetAllocator.html",
+      "Compare Investment Fees": "https://www.cchwebsites.com/content/calculators/CompareFees.html",
+      "Future Contracts Calculator": "https://www.cchwebsites.com/content/calculators/FutureContracts.html",
+      "Future Value Calculator": "https://www.cchwebsites.com/content/calculators/FutureValue.html",
+      "Internal Rate of Return (IRR) Calculator": "https://www.cchwebsites.com/content/calculators/IRRReturn.html",
+      "Investment Distributions": "https://www.cchwebsites.com/content/calculators/InvestmentDistribution2.html",
+      "Investment Goal": "https://www.cchwebsites.com/content/calculators/InvestmentVariables.html",
+      "Investment Loan": "https://www.cchwebsites.com/content/calculators/InvestmentLoan.html",
+      "Investment Property Calculator": "https://www.cchwebsites.com/content/calculators/InvestmentProperty.html",
+      "Investment Questionnaire - Broad Portfolio": "https://www.cchwebsites.com/content/calculators/InvestmentProfile.html",
+      "Investment Questionnaire - Cash, Fixed Income and Equities": "https://www.cchwebsites.com/content/calculators/InvestmentQuestionaire.html",
+      "Investment Returns": "https://www.cchwebsites.com/content/calculators/InvestmentReturn.html",
+      "Investment Savings and Distributions": "https://www.cchwebsites.com/content/calculators/InvestmentDistribution.html",
+      "Lump Sum Annual Return Calculator": "https://www.cchwebsites.com/content/calculators/AnnualReturnAmount.html",
+      "Lump Sum Future Value Calculator": "https://www.cchwebsites.com/content/calculators/FutureValueAmount.html",
+      "Lump Sum Present Value Calculator": "https://www.cchwebsites.com/content/calculators/PresentValueAmount.html",
+      "Municipal Bond Tax Equivalent Yield": "https://www.cchwebsites.com/content/calculators/TaxEquivYield.html",
+      "Mutual Fund Expense Calculator": "https://www.cchwebsites.com/content/calculators/FundExpense.html",
+      "Personal Economic Recovery Calculator": "https://www.cchwebsites.com/content/calculators/RecoverTime.html",
+      "Present Value Calculator": "https://www.cchwebsites.com/content/calculators/PresentValue.html",
+      "Present Value Goal Calculator": "https://www.cchwebsites.com/content/calculators/PresentValueGoal.html",
+      "REIT Tax-Equivalent Distribution": "https://www.cchwebsites.com/content/calculators/REITTaxEquivYield.html",
+      "Stock Option Calculator": "https://www.cchwebsites.com/content/calculators/StockOptions.html",
+      "Taxable vs. Tax Deferred Investments": "https://www.cchwebsites.com/content/calculators/InvestCompare2.html",
+      "Taxable vs. Tax Deferred vs. Tax Free Investment": "https://www.cchwebsites.com/content/calculators/InvestCompare.html",
+      
+      // Loan Tools
+      "Alternative Payment Frequencies": "https://www.cchwebsites.com/content/calculators/ComplexLoan.html",
+      "Amortizing Loan Calculator": "https://www.cchwebsites.com/content/calculators/SimpleLoan.html",
+      "Balloon Loan Calculator": "https://www.cchwebsites.com/content/calculators/BalloonLoan.html",
+      "Debt Consolidation Calculator": "https://www.cchwebsites.com/content/calculators/Consolidate.html",
+      "Enhanced Loan Calculator": "https://www.cchwebsites.com/content/calculators/EnhancedLoan.html",
+      "Equity Line of Credit Payments": "https://www.cchwebsites.com/content/calculators/PaymentLine.html",
+      "Existing Loan Calculator": "https://www.cchwebsites.com/content/calculators/ExistingLoan.html",
+      "Home Equity Line of Credit Calculator": "https://www.cchwebsites.com/content/calculators/CreditLine.html",
+      "Line of Credit Payoff": "https://www.cchwebsites.com/content/calculators/PayoffLine.html",
+      "Loan & Credit Line Payment": "https://www.cchwebsites.com/content/calculators/PaymentOptions.html",
+      "Loan & Credit Line Tax Savings": "https://www.cchwebsites.com/content/calculators/LineTaxes.html",
+      "Loan Comparison Calculator": "https://www.cchwebsites.com/content/calculators/CompareLoan.html",
+      "Loan Prequalification Calculator": "https://www.cchwebsites.com/content/calculators/LoanPrequal.html",
+      
+      // Mortgage Tools
+      "Adjustable Rate Mortgage Calculator": "https://www.cchwebsites.com/content/calculators/MortgageAdjustable.html",
+      "APR Calculator for Adjustable Rate Mortgages": "https://www.cchwebsites.com/content/calculators/MortgageAprAdjustable.html",
+      "ARM & Interest Only ARM vs. Fixed Rate Mortgage": "https://www.cchwebsites.com/content/calculators/MortgageArmvsFixed.html",
+      "Balloon Mortgages": "https://www.cchwebsites.com/content/calculators/MortgageBalloon.html",
+      "Bi-weekly Payment Calculator": "https://www.cchwebsites.com/content/calculators/Biweekly.html",
+      "Bi-weekly Payments for an Existing Mortgage": "https://www.cchwebsites.com/content/calculators/ExistingBiweekly.html",
+      "Blended Rate Mortgage Calculator": "https://www.cchwebsites.com/content/calculators/MortgageBlend.html",
+      "FHA Maximum Financing Calculator": "https://www.cchwebsites.com/content/calculators/FHAMortgageQualifier.html",
+      "Fixed Rate Mortgage vs. Interest Only Mortgage": "https://www.cchwebsites.com/content/calculators/MortgageFixedvsIO.html",
+      "Fixed Rate Mortgage vs. LIBOR ARM": "https://www.cchwebsites.com/content/calculators/MortgageFixedvsLibor.html",
+      "Interest Only ARM Calculator": "https://www.cchwebsites.com/content/calculators/MortgageIOAdjustable.html",
+      "Interest Only Mortgage Calculator": "https://www.cchwebsites.com/content/calculators/MortgageInterestOnly.html",
+      "Maximum Mortgage": "https://www.cchwebsites.com/content/calculators/MortgageApr.html",
+      "Mortgage APR Calculator": "https://www.cchwebsites.com/content/calculators/MortgageCompare.html",
+      "Mortgage Comparison: 15 Years vs. 30 Years": "https://www.cchwebsites.com/content/calculators/MortgageConsolidate.html",
+      "Mortgage Debt Consolidation": "https://www.cchwebsites.com/content/calculators/MortgageLoan.html",
+      "Mortgage Loan Calculator": "https://www.cchwebsites.com/content/calculators/MortgageLoan2.html",
+      "Mortgage Loan Calculator (PITI)": "https://www.cchwebsites.com/content/calculators/MortgagePayoff.html",
+      "Mortgage Payoff": "https://www.cchwebsites.com/content/calculators/MortgagePoints.html",
+      "Mortgage Points Calculator": "https://www.cchwebsites.com/content/calculators/MortgageQualifier.html",
+      "Mortgage Qualifier": "https://www.cchwebsites.com/content/calculators/MortgageRefinance.html",
+      "Mortgage Refinance Break Even": "https://www.cchwebsites.com/content/calculators/MortgageIncome.html",
+      "Mortgage Required Income": "https://www.cchwebsites.com/content/calculators/MortgageTaxes.html",
+      "Mortgage Tax Savings Calculator": "https://www.cchwebsites.com/content/calculators/MortgageFixedvsNegAm.html",
+      "Option ARM vs. Fixed Rate Mortgage": "https://www.cchwebsites.com/content/calculators/ShouldIRefi.html",
+      "Refinance Interest Savings": "https://www.cchwebsites.com/content/calculators/ReverseMortgage.html",
+      "Rent vs. Buy": "https://www.cchwebsites.com/content/calculators/ReverseMortgage.html",
+      "Reverse Mortgage Calculator": "https://www.cchwebsites.com/content/calculators/ReverseMortgage.html",
+      
+      // Personal Finance Tools
+      "Basic Calculator": "https://www.cchwebsites.com/content/calculators/FinCalc.html",
+      "Basic Financial Calculator": "https://www.cchwebsites.com/content/calculators/FinCalc3.html",
+      "Checkbook Balancer": "https://www.cchwebsites.com/content/calculators/CheckBook.html",
+      "Credit Assessment": "https://www.cchwebsites.com/content/calculators/CreditAssessment.html",
+      "Home Budget Analysis": "https://www.cchwebsites.com/content/calculators/HomeBudget.html",
+      "Life Expectancy": "https://www.cchwebsites.com/content/calculators/LifeTime.html",
+      "Net Worth": "https://www.cchwebsites.com/content/calculators/NetWorth.html",
+      "Should my spouse work?": "https://www.cchwebsites.com/content/calculators/IncomeOneorTwo.html",
+      "Student Budget": "https://www.cchwebsites.com/content/calculators/StudentBudget.html",
+      
+      // Retirement Tools
+      "401(k) Calculator": "https://www.cchwebsites.com/content/calculators/Retire401k.html",
+      "401(k) Savings with Profit Sharing": "https://www.cchwebsites.com/content/calculators/Retire401kProfitShare.html",
+      "401(k) Spend It or Save It Calculator": "https://www.cchwebsites.com/content/calculators/Rollover401k.html",
+      "403(b) Savings Calculator": "https://www.cchwebsites.com/content/calculators/Retire403b.html",
+      "457 Plan Contribution Effects on Your Paycheck": "https://www.cchwebsites.com/content/calculators/RetirePayrollSavings457.html",
+      "457 Plan Withdrawal": "https://www.cchwebsites.com/content/calculators/RetirementWithdrawal457.html",
+      "457 Plan: Roth vs. Pre-tax": "https://www.cchwebsites.com/content/calculators/RothvsTraditional457.html",
+      "457 Savings Calculator": "https://www.cchwebsites.com/content/calculators/Retire457.html",
+      "72(t) Calculator": "https://www.cchwebsites.com/content/calculators/Retire72T.html",
+      "72(t) Distribution Impact": "https://www.cchwebsites.com/content/calculators/Retire72Alt.html",
+      "Beneficiary Required Minimum Distributions": "https://www.cchwebsites.com/content/calculators/RetireBeneficiary.html",
+      "Company Stock Distribution Analysis Calculator": "https://www.cchwebsites.com/content/calculators/StockRollover401k.html",
+      "How Important is Social Security?": "https://www.cchwebsites.com/content/calculators/NoSocial.html",
+      "How long will my retirement savings last?": "https://www.cchwebsites.com/content/calculators/RetirementDistribution.html",
+      "Individual 401(k) Contribution Comparison": "https://www.cchwebsites.com/content/calculators/Individual401kContribution.html",
+      "Individual 401(k) Savings Calculator": "https://www.cchwebsites.com/content/calculators/RetireSolo401k.html",
+      "IRA Spend It or Save It Calculator": "https://www.cchwebsites.com/content/calculators/RolloverIRA.html",
+      "Pension Plan Retirement Options": "https://www.cchwebsites.com/content/calculators/PensionOptions.html",
+      "Required Minimum Distribution (RMD)": "https://www.cchwebsites.com/content/calculators/RetireDistrib.html",
+      "Required Minimum Distribution (RMD) for Current Year": "https://www.cchwebsites.com/content/calculators/RetireDistrib3.html",
+      "Retirement Account Contribution Accelerator": "https://www.cchwebsites.com/content/calculators/RetirePayrollSavings.html",
+      "Retirement Contribution Effects on Your Paycheck": "https://www.cchwebsites.com/content/calculators/RetirementIncome.html",
+      "Retirement Income": "https://www.cchwebsites.com/content/calculators/RetirementNestegg.html",
+      "Retirement Nestegg Calculator": "https://www.cchwebsites.com/content/calculators/RetirementPlan3.html",
+      "Retirement Pension Planner": "https://www.cchwebsites.com/content/calculators/RetirementWithdrawal.html",
+      "Retirement Plan Withdrawal": "https://www.cchwebsites.com/content/calculators/RetirementPlan.html",
+      "Retirement Planner": "https://www.cchwebsites.com/content/calculators/RetirementPlan4.html",
+      "Retirement Planner with Retirement Earnings": "https://www.cchwebsites.com/content/calculators/RetireShort.html",
+      "Retirement Shortfall": "https://www.cchwebsites.com/content/calculators/StretchIRA.html",
+      "RMD & Stretch IRA Calculator": "https://www.cchwebsites.com/content/calculators/RothvsPreTaxAccount.html",
+      "Roth (after-tax) Account or Pre-Tax Account?": "https://www.cchwebsites.com/content/calculators/RothvsTraditional401k.html",
+      "Roth 401(k) vs. Traditional 401(k)": "https://www.cchwebsites.com/content/calculators/RothvsTraditional403b.html",
+      "Roth 403(b) vs. Traditional 403(b)": "https://www.cchwebsites.com/content/calculators/RothIRA.html",
+      "Roth IRA Calculator": "https://www.cchwebsites.com/content/calculators/RothTransfer.html",
+      "Roth IRA Conversion": "https://www.cchwebsites.com/content/calculators/RothConversion.html",
+      "Roth IRA Conversion with Distributions": "https://www.cchwebsites.com/content/calculators/RothvsRegular.html",
+      "Roth IRA vs. Traditional IRA": "https://www.cchwebsites.com/content/calculators/Compare401k2.html",
+      "Roth vs. Traditional 401(k) and your Paycheck": "https://www.cchwebsites.com/content/calculators/Borrow401k.html",
+      "Should you Borrow From a 401(k) or 403(b)?": "https://www.cchwebsites.com/content/calculators/SocialSecurity.html",
+      "Social Security Benefits": "https://www.cchwebsites.com/content/calculators/RegularIRA.html",
+      "Traditional IRA Calculator": "https://www.cchwebsites.com/content/calculators/RegularIRA.html",
+      
+      // Savings Tools
+      "Benefit of Spending Less": "https://www.cchwebsites.com/content/calculators/SpendLess.html",
+      "CD Ladder Calculator": "https://www.cchwebsites.com/content/calculators/CDLadder.html",
+      "Certificate of Deposit Calculator": "https://www.cchwebsites.com/content/calculators/CertDeposit.html",
+      "College Savings": "https://www.cchwebsites.com/content/calculators/CollegeSavings.html",
+      "Compare Savings Rates": "https://www.cchwebsites.com/content/calculators/CompareSavings.html",
+      "Compound Savings Calculator": "https://www.cchwebsites.com/content/calculators/CompoundSavings.html",
+      "Compounding and Your Return": "https://www.cchwebsites.com/content/calculators/CompoundInterest.html",
+      "Cool Million": "https://www.cchwebsites.com/content/calculators/Millionaire.html",
+      "Credit Union Certificate Calculator": "https://www.cchwebsites.com/content/calculators/CUDeposit.html",
+      "Credit Union Certificate Ladder Calculator": "https://www.cchwebsites.com/content/calculators/CertificateLadder.html",
+      "Don't Delay Your Savings!": "https://www.cchwebsites.com/content/calculators/WaitCost.html",
+      "Emergency Savings Calculator": "https://www.cchwebsites.com/content/calculators/Emergency.html",
+      "Home Buyer Savings Calculator": "https://www.cchwebsites.com/content/calculators/HomeBuyerSavings.html",
+      "Lunch Savings": "https://www.cchwebsites.com/content/calculators/LunchSaver.html",
+      "Savings Distribution Calculator": "https://www.cchwebsites.com/content/calculators/DistribSavings.html",
+      "Savings Goals": "https://www.cchwebsites.com/content/calculators/Savings.html",
+      "Savings, Taxes, and Inflation": "https://www.cchwebsites.com/content/calculators/SavingsVariables.html",
+      "Vice Savings": "https://www.cchwebsites.com/content/calculators/ViceSaver.html",
+      
+      // Tax Tools
+      "1040 Tax Calculator": "https://www.cchwebsites.com/content/calculators/Tax1040.html",
+      "457 Payroll Deductions": "https://www.cchwebsites.com/content/calculators/457Payroll.html",
+      "Earned Income Credit (EIC) Calculator": "https://www.cchwebsites.com/content/calculators/EarnedIncomeCredit.html",
+      "Estate Tax Planning": "https://www.cchwebsites.com/content/calculators/EstatePlan.html",
+      "Flexible Spending Account (FSA) Calculator": "https://www.cchwebsites.com/content/calculators/Payroll125.html",
+      "Hourly Paycheck Calculator": "https://www.cchwebsites.com/content/calculators/PayrollHourly.html",
+      "Marginal Tax Rate Calculator": "https://www.cchwebsites.com/content/calculators/TaxMargin.html",
+      "Net to Gross Paycheck Calculator": "https://www.cchwebsites.com/content/calculators/PayrollGross.html",
+      "Payroll Deductions Calculator": "https://www.cchwebsites.com/content/calculators/Payroll.html",
+      "Self-Employment Tax Calculator": "https://www.cchwebsites.com/content/calculators/TaxSelfEmployment.html",
+      "U.S. 1040EZ Tax Form Calculator": "https://www.cchwebsites.com/content/calculators/TaxEZ1040.html"
+    };
+    
+    return toolUrlMap[toolName] || "#";
+  };
+
+  const handleToolClick = (toolName: string) => {
+    const url = getToolUrl(toolName);
+    if (url !== "#") {
+      window.open(url, '_blank', 'noopener,noreferrer');
+    }
+  };
+
   const calculatorCategories = [
     {
       icon: Car,
       title: "Auto",
       description: "Auto loan calculators and financing tools",
-      tools: [
+      link: "/financial-tools/auto",
-        "Auto Loan Early Payoff",
+      toolCount: 10
-        "Auto Rebate vs. Low Interest Financing", 
-        "Auto Refinance Interest Savings",
-        "Bi-weekly Payments for an Auto Loan",
-        "Bi-weekly Payments for an Auto Loan with Fees",
-        "Car Loan Calculator",
-        "Dealer Financing vs. Credit Union Financing",
-        "Home Equity Loan vs. Auto loan",
-        "Lease vs. Buy",
-        "Low Interest Financing Savings"
-      ]
     },
     {
       icon: Building,
       title: "Business",
       description: "Business financial analysis and planning tools",
-      tools: [
+      link: "/financial-tools/business",
-        "Breakeven Analysis",
+      toolCount: 15
-        "Business Debt Consolidation Calculator",
-        "Business Valuation - Discounted Cash Flow",
-        "Cash Flow Calculator",
-        "Commercial Loan Calculator",
-        "Debt Service Coverage",
-        "Equipment Buy vs. Lease",
-        "Financial Ratios",
-        "Inventory Analysis",
-        "Like Kind Exchange",
-        "Profit Margin Calculator",
-        "Repossession of Personal Property from a Deferred Payment Sale",
-        "Repossession of Personal Property from an Installment Payment Sale",
-        "Repossession of Real Property",
-        "Working Capital Needs"
-      ]
     },
     {
       icon: CreditCard,
       title: "Debt and Credit Cards",
       description: "Debt management and credit card optimization tools",
-      tools: [
+      link: "/financial-tools/debt-credit-cards",
-        "Accelerated Debt Payoff",
+      toolCount: 12
-        "Consolidation Loan Investment Calculator",
-        "Cost-of-Debt Calculator",
-        "Credit Card Minimum Payment Calculator",
-        "Credit Card Optimizer",
-        "Credit Card Pay Off",
-        "Home Equity Debt Consolidation",
-        "How much do you owe?",
-        "Personal Debt Consolidation",
-        "Roll-Down Your Credit Card Debt!",
-        "Snowball Debt Elimination Calculator",
-        "Student Loan Consolidation and Debt Payoff"
-      ]
     },
     {
       icon: Shield,
       title: "Insurance",
       description: "Insurance analysis and planning calculators",
-      tools: [
+      link: "/financial-tools/insurance",
-        "Comprehensive Life Insurance Analysis",
+      toolCount: 14
-        "Disability Insurance",
-        "Fixed Annuity Calculator",
-        "Health Savings Account (HSA) Contribution Calculator",
-        "Health Savings Account (HSA) Goal Calculator",
-        "Health Savings Account (HSA) Savings Calculator",
-        "Health Savings Account (HSA) vs. Traditional Health Plan",
-        "Health Savings Accounts (HSA) Employer Benefit",
-        "Human Life Value",
-        "Immediate Annuity Calculator",
-        "Life Insurance Calculator",
-        "Long Term Care Calculator",
-        "Variable Annuity Calculator",
-        "Variable Annuity without Surrender Charges"
-      ]
     },
     {
       icon: TrendingUp,
       title: "Investment",
       description: "Investment analysis and portfolio planning tools",
-      tools: [
+      link: "/financial-tools/investment",
-        "Annual Rate of Return Calculator",
+      toolCount: 27
-        "Annual Stock Option Grants",
-        "Asset Allocation Calculator",
-        "Compare Investment Fees",
-        "Future Contracts Calculator",
-        "Future Value Calculator",
-        "Internal Rate of Return (IRR) Calculator",
-        "Investment Distributions",
-        "Investment Goal",
-        "Investment Loan",
-        "Investment Property Calculator",
-        "Investment Questionnaire - Broad Portfolio",
-        "Investment Questionnaire - Cash, Fixed Income and Equities",
-        "Investment Returns",
-        "Investment Savings and Distributions",
-        "Lump Sum Annual Return Calculator",
-        "Lump Sum Future Value Calculator",
-        "Lump Sum Present Value Calculator",
-        "Municipal Bond Tax Equivalent Yield",
-        "Mutual Fund Expense Calculator",
-        "Personal Economic Recovery Calculator",
-        "Present Value Calculator",
-        "Present Value Goal Calculator",
-        "REIT Tax-Equivalent Distribution",
-        "Stock Option Calculator",
-        "Taxable vs. Tax Deferred Investments",
-        "Taxable vs. Tax Deferred vs. Tax Free Investment"
-      ]
     },
     {
       icon: DollarSign,
       title: "Loan",
       description: "Loan calculators and payment analysis tools",
-      tools: [
+      link: "/financial-tools/loan",
-        "Alternative Payment Frequencies",
+      toolCount: 13
-        "Amortizing Loan Calculator",
-        "Balloon Loan Calculator",
-        "Debt Consolidation Calculator",
-        "Enhanced Loan Calculator",
-        "Equity Line of Credit Payments",
-        "Existing Loan Calculator",
-        "Home Equity Line of Credit Calculator",
-        "Line of Credit Payoff",
-        "Loan & Credit Line Payment",
-        "Loan & Credit Line Tax Savings",
-        "Loan Comparison Calculator",
-        "Loan Prequalification Calculator"
-      ]
     },
     {
       icon: Home,
       title: "Mortgage",
       description: "Mortgage calculators and home financing tools",
-      tools: [
+      link: "/financial-tools/mortgage",
-        "Adjustable Rate Mortgage Calculator",
+      toolCount: 28
-        "APR Calculator for Adjustable Rate Mortgages",
-        "ARM & Interest Only ARM vs. Fixed Rate Mortgage",
-        "Balloon Mortgages",
-        "Bi-weekly Payment Calculator",
-        "Bi-weekly Payments for an Existing Mortgage",
-        "Blended Rate Mortgage Calculator",
-        "FHA Maximum Financing Calculator",
-        "Fixed Rate Mortgage vs. Interest Only Mortgage",
-        "Fixed Rate Mortgage vs. LIBOR ARM",
-        "Interest Only ARM Calculator",
-        "Interest Only Mortgage Calculator",
-        "Maximum Mortgage",
-        "Mortgage APR Calculator",
-        "Mortgage Comparison: 15 Years vs. 30 Years",
-        "Mortgage Debt Consolidation",
-        "Mortgage Loan Calculator",
-        "Mortgage Loan Calculator (PITI)",
-        "Mortgage Payoff",
-        "Mortgage Points Calculator",
-        "Mortgage Qualifier",
-        "Mortgage Refinance Break Even",
-        "Mortgage Required Income",
-        "Mortgage Tax Savings Calculator",
-        "Option ARM vs. Fixed Rate Mortgage",
-        "Refinance Interest Savings",
-        "Rent vs. Buy",
-        "Reverse Mortgage Calculator"
-      ]
     },
     {
       icon: FileText,
       title: "Personal Finance",
       description: "Personal finance management and budgeting tools",
-      tools: [
+      link: "/financial-tools/personal-finance",
-        "Basic Calculator",
+      toolCount: 9
-        "Basic Financial Calculator",
-        "Checkbook Balancer",
-        "Credit Assessment",
-        "Home Budget Analysis",
-        "Life Expectancy",
-        "Net Worth",
-        "Should my spouse work?",
-        "Student Budget"
-      ]
     },
     {
       icon: PiggyBank,
       title: "Retirement",
       description: "Retirement planning and savings calculators",
-      tools: [
+      link: "/financial-tools/retirement",
-        "401(k) Calculator",
+      toolCount: 40
-        "401(k) Savings with Profit Sharing",
-        "401(k) Spend It or Save It Calculator",
-        "403(b) Savings Calculator",
-        "457 Plan Contribution Effects on Your Paycheck",
-        "457 Plan Withdrawal",
-        "457 Plan: Roth vs. Pre-tax",
-        "457 Savings Calculator",
-        "72(t) Calculator",
-        "72(t) Distribution Impact",
-        "Beneficiary Required Minimum Distributions",
-        "Company Stock Distribution Analysis Calculator",
-        "How Important is Social Security?",
-        "How long will my retirement savings last?",
-        "Individual 401(k) Contribution Comparison",
-        "Individual 401(k) Savings Calculator",
-        "IRA Spend It or Save It Calculator",
-        "Pension Plan Retirement Options",
-        "Required Minimum Distribution (RMD)",
-        "Required Minimum Distribution (RMD) for Current Year",
-        "Retirement Account Contribution Accelerator",
-        "Retirement Contribution Effects on Your Paycheck",
-        "Retirement Income",
-        "Retirement Nestegg Calculator",
-        "Retirement Pension Planner",
-        "Retirement Plan Withdrawal",
-        "Retirement Planner",
-        "Retirement Planner with Retirement Earnings",
-        "Retirement Shortfall",
-        "RMD & Stretch IRA Calculator",
-        "Roth (after-tax) Account or Pre-Tax Account?",
-        "Roth 401(k) vs. Traditional 401(k)",
-        "Roth 403(b) vs. Traditional 403(b)",
-        "Roth IRA Calculator",
-        "Roth IRA Conversion",
-        "Roth IRA Conversion with Distributions",
-        "Roth IRA vs. Traditional IRA",
-        "Roth vs. Traditional 401(k) and your Paycheck",
-        "Should you Borrow From a 401(k) or 403(b)?",
-        "Social Security Benefits",
-        "Traditional IRA Calculator"
-      ]
     },
     {
       icon: DollarSign,
       title: "Savings",
       description: "Savings planning and goal calculators",
-      tools: [
+      link: "/financial-tools/savings",
-        "Benefit of Spending Less",
+      toolCount: 18
-        "CD Ladder Calculator",
-        "Certificate of Deposit Calculator",
-        "College Savings",
-        "Compare Savings Rates",
-        "Compound Savings Calculator",
-        "Compounding and Your Return",
-        "Cool Million",
-        "Credit Union Certificate Calculator",
-        "Credit Union Certificate Ladder Calculator",
-        "Don't Delay Your Savings!",
-        "Emergency Savings Calculator",
-        "Home Buyer Savings Calculator",
-        "Lunch Savings",
-        "Savings Distribution Calculator",
-        "Savings Goals",
-        "Savings, Taxes, and Inflation",
-        "Vice Savings"
-      ]
     },
     {
       icon: Calculator,
       title: "Tax",
       description: "Tax planning and calculation tools",
-      tools: [
+      link: "/financial-tools/tax",
-        "1040 Tax Calculator",
+      toolCount: 11
-        "457 Payroll Deductions",
-        "Earned Income Credit (EIC) Calculator",
-        "Estate Tax Planning",
-        "Flexible Spending Account (FSA) Calculator",
-        "Hourly Paycheck Calculator",
-        "Marginal Tax Rate Calculator",
-        "Net to Gross Paycheck Calculator",
-        "Payroll Deductions Calculator",
-        "Self-Employment Tax Calculator",
-        "U.S. 1040EZ Tax Form Calculator"
-      ]
     }
   ];
 
@@ -302,16 +408,25 @@ const FinancialTools = () => {
       <Navigation />
       <main className="pt-16">
         {/* Hero Section */}
-        <section className="py-24 bg-gradient-subtle">
+        <section 
-          <div className="container mx-auto px-4 text-center">
+          className="relative py-24 flex items-center justify-center text-center"
-            <h1 className="text-display-xl font-display font-bold text-forest mb-6">
+          style={{
+            backgroundImage: "url('/lovable-uploads/f8f08a1a-0132-4376-af8a-c5bb86f0627e.png')",
+            backgroundSize: "90% 80%",
+            backgroundPosition: "center",
+            backgroundRepeat: "no-repeat"
+          }}
+        >
+          <div className="absolute inset-0 bg-forest/60"></div>
+          <div className="relative z-10 container mx-auto px-4 text-center">
+            <h1 className="text-display-xl font-display font-bold text-cream mb-6">
               Financial Tools
             </h1>
-            <p className="text-body-lg text-sage max-w-3xl mx-auto mb-8">
+            <p className="text-body-lg text-cream/90 max-w-3xl mx-auto mb-8">
               Should I refinance my mortgage? How much do I need to save for my child's college education? As accounting professionals, these are some of the questions that are posed to us on a daily basis. We are providing these interactive financial calculators and other tools to assist you with some of the day-to-day questions and concerns that may arise.
             </p>
-            <div className="bg-card rounded-2xl p-6 card-elevation max-w-2xl mx-auto">
+            <div className="bg-white/95 rounded-2xl p-6 card-elevation max-w-2xl mx-auto">
-              <p className="text-sage text-sm">
+              <p className="text-forest text-sm">
                 <strong>Disclaimer:</strong> While these financial tools are not a substitute for financial advice from a qualified professional, they can be used as a starting point in the decision making process.
               </p>
             </div>
@@ -321,36 +436,34 @@ const FinancialTools = () => {
         {/* Calculator Categories */}
         <section className="py-24 bg-background">
           <div className="container mx-auto px-4">
-            <div className="space-y-12">
+            <div className="grid md:grid-cols-2 lg:grid-cols-3 xl:grid-cols-4 gap-8">
               {calculatorCategories.map((category, index) => {
                 const Icon = category.icon;
                 return (
-                  <div key={index}>
+                  <Link key={index} to={category.link}>
-                    <div className="flex items-center gap-4 mb-8">
+                    <Card className="card-elevation hover:shadow-lg gentle-transition cursor-pointer group rounded-2xl overflow-hidden h-full">
-                      <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                      <CardContent className="p-8 h-full flex flex-col">
-                        <Icon className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                        <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center mb-6">
-                      </div>
+                          <Icon className="w-8 h-8 text-brass group-hover:scale-110 gentle-transition" strokeWidth={1.5} />
-                      <div>
+                        </div>
-                        <h2 className="text-display-lg font-display font-semibold text-forest">
+                        
+                        <h3 className="text-display-md font-display font-semibold text-forest mb-3">
                           {category.title}
-                        </h2>
+                        </h3>
-                        <p className="text-sage">{category.description}</p>
+                        
-                      </div>
+                        <p className="text-sage mb-4 leading-relaxed flex-grow">
-                    </div>
+                          {category.description}
-                    
+                        </p>
-                    <div className="grid md:grid-cols-2 lg:grid-cols-3 gap-4">
+                        
-                      {category.tools.map((tool, toolIndex) => (
+                        <div className="flex items-center justify-between">
-                        <Card key={toolIndex} className="rounded-xl card-elevation hover:shadow-lg gentle-transition cursor-pointer">
+                          <span className="text-sm text-brass font-medium">
-                          <CardContent className="p-4">
+                            {category.toolCount} calculators
-                            <div className="flex items-center justify-between">
+                          </span>
-                              <span className="text-sage text-sm font-medium">{tool}</span>
+                          <ArrowRight className="w-5 h-5 text-brass group-hover:translate-x-1 gentle-transition" strokeWidth={1.5} />
-                              <ExternalLink className="w-4 h-4 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        </div>
-                            </div>
+                      </CardContent>
-                          </CardContent>
+                    </Card>
-                        </Card>
+                  </Link>
-                      ))}
-                    </div>
-                  </div>
                 );
               })}
             </div>
@@ -388,6 +501,8 @@ const FinancialTools = () => {
                           </label>
                           <Input 
                             type="number" 
+                            value={loanAmount}
+                            onChange={(e) => setLoanAmount(e.target.value)}
                             placeholder="300,000"
                             className="rounded-xl"
                           />
@@ -398,6 +513,8 @@ const FinancialTools = () => {
                           </label>
                           <Input 
                             type="number" 
+                            value={interestRate}
+                            onChange={(e) => setInterestRate(e.target.value)}
                             placeholder="6.5"
                             step="0.01"
                             className="rounded-xl"
@@ -409,11 +526,42 @@ const FinancialTools = () => {
                           </label>
                           <Input 
                             type="number" 
+                            value={loanTerm}
+                            onChange={(e) => setLoanTerm(e.target.value)}
                             placeholder="30"
                             className="rounded-xl"
                           />
                         </div>
-                        <Button className="w-full btn-shadow">
+                        <div className="grid grid-cols-2 gap-4">
+                          <div>
+                            <label className="block text-sm font-medium text-forest mb-2">
+                              Monthly Property Tax ($)
+                            </label>
+                            <Input 
+                              type="number" 
+                              value={propertyTax}
+                              onChange={(e) => setPropertyTax(e.target.value)}
+                              placeholder="250"
+                              className="rounded-xl"
+                            />
+                          </div>
+                          <div>
+                            <label className="block text-sm font-medium text-forest mb-2">
+                              Monthly Insurance ($)
+                            </label>
+                            <Input 
+                              type="number" 
+                              value={insurance}
+                              onChange={(e) => setInsurance(e.target.value)}
+                              placeholder="100"
+                              className="rounded-xl"
+                            />
+                          </div>
+                        </div>
+                        <Button 
+                          className="w-full btn-shadow"
+                          onClick={calculateMortgagePayment}
+                        >
                           Calculate Payment
                         </Button>
                       </div>
@@ -423,24 +571,38 @@ const FinancialTools = () => {
                       <h4 className="font-display font-semibold text-forest mb-4">
                         Payment Breakdown
                       </h4>
-                      <div className="space-y-3">
+                      {calculatedPayment ? (
-                        <div className="flex justify-between">
+                        <div className="space-y-3">
-                          <span className="text-sage">Principal & Interest:</span>
+                          <div className="flex justify-between">
-                          <span className="font-medium text-forest">$1,896.20</span>
+                            <span className="text-sage">Principal & Interest:</span>
+                            <span className="font-medium text-forest">
+                              {formatCurrency(calculatedPayment.principalAndInterest)}
+                            </span>
+                          </div>
+                          <div className="flex justify-between">
+                            <span className="text-sage">Property Tax:</span>
+                            <span className="font-medium text-forest">
+                              {formatCurrency(calculatedPayment.propertyTax)}
+                            </span>
+                          </div>
+                          <div className="flex justify-between">
+                            <span className="text-sage">Insurance:</span>
+                            <span className="font-medium text-forest">
+                              {formatCurrency(calculatedPayment.insurance)}
+                            </span>
+                          </div>
+                          <div className="flex justify-between border-t border-sage/20 pt-3">
+                            <span className="font-medium text-forest">Total Monthly Payment:</span>
+                            <span className="font-bold text-forest text-lg">
+                              {formatCurrency(calculatedPayment.totalPayment)}
+                            </span>
+                          </div>
                         </div>
-                        <div className="flex justify-between">
+                      ) : (
-                          <span className="text-sage">Property Tax:</span>
+                        <div className="text-center py-8 text-sage">
-                          <span className="font-medium text-forest">$250.00</span>
+                          <p>Enter valid loan details and click "Calculate Payment" to see your monthly payment breakdown.</p>
                         </div>
-                        <div className="flex justify-between">
+                      )}
-                          <span className="text-sage">Insurance:</span>
-                          <span className="font-medium text-forest">$100.00</span>
-                        </div>
-                        <div className="flex justify-between border-t border-sage/20 pt-3">
-                          <span className="font-medium text-forest">Total Monthly Payment:</span>
-                          <span className="font-bold text-forest text-lg">$2,246.20</span>
-                        </div>
-                      </div>
                     </div>
                   </div>
                 </CardContent>
@@ -465,6 +627,7 @@ const FinancialTools = () => {
                 size="lg" 
                 variant="outline"
                 className="bg-cream text-forest hover:bg-cream/90 border-cream btn-shadow text-lg px-8 py-3 rounded-2xl"
+                onClick={() => window.location.href = '/contact'}
               >
                 Schedule Free Consultation
               </Button>
@@ -473,6 +636,7 @@ const FinancialTools = () => {
         </section>
       </main>
       <Footer />
+      <ScrollToTop />
     </div>
   );
 };

src/pages/FinancialToolsAuto.tsx

@@ -0,0 +1,201 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { Car, ExternalLink, ArrowLeft } from "lucide-react";
+import { Link } from "react-router-dom";
+
+const FinancialToolsAuto = () => {
+  // Mapping der Tool-Namen zu ihren URLs
+  const getToolUrl = (toolName: string): string => {
+    const toolUrlMap: { [key: string]: string } = {
+      "Auto Loan Early Payoff": "https://www.cchwebsites.com/content/calculators/AutoPayoff.html",
+      "Auto Rebate vs. Low Interest Financing": "https://www.cchwebsites.com/content/calculators/AutoRebate.html",
+      "Auto Refinance Interest Savings": "https://www.cchwebsites.com/content/calculators/ShouldIRefiAuto.html",
+      "Bi-weekly Payments for an Auto Loan": "https://www.cchwebsites.com/content/calculators/AutoBiweekly.html",
+      "Bi-weekly Payments for an Auto Loan with Fees": "https://www.cchwebsites.com/content/calculators/ImpoundAutoBiweekly.html",
+      "Car Loan Calculator": "https://www.cchwebsites.com/content/calculators/AutoLoan.html",
+      "Dealer Financing vs. Credit Union Financing": "https://www.cchwebsites.com/content/calculators/CUAutoRebate.html",
+      "Home Equity Loan vs. Auto loan": "https://www.cchwebsites.com/content/calculators/AutoEquityLoan.html",
+      "Lease vs. Buy": "https://www.cchwebsites.com/content/calculators/BuyvsLease.html",
+      "Low Interest Financing Savings": "https://www.cchwebsites.com/content/calculators/AutoLowInterest.html"
+    };
+    
+    return toolUrlMap[toolName] || "#";
+  };
+
+  const handleToolClick = (toolName: string) => {
+    const url = getToolUrl(toolName);
+    if (url !== "#") {
+      window.open(url, '_blank', 'noopener,noreferrer');
+    }
+  };
+
+  const autoTools = [
+    {
+      name: "Auto Loan Early Payoff",
+      description: "Find out how much interest you can save by increasing your monthly auto loan payment."
+    },
+    {
+      name: "Auto Rebate vs. Low Interest Financing",
+      description: "Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate."
+    },
+    {
+      name: "Auto Refinance Interest Savings",
+      description: "Use this calculator to see how much interest you can save by refinancing your auto loan."
+    },
+    {
+      name: "Bi-weekly Payments for an Auto Loan",
+      description: "This calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest."
+    },
+    {
+      name: "Bi-weekly Payments for an Auto Loan with Fees",
+      description: "This calculator shows you possible savings by using an accelerated bi-weekly payment on your auto loan. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest."
+    },
+    {
+      name: "Car Loan Calculator",
+      description: "Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment."
+    },
+    {
+      name: "Dealer Financing vs. Credit Union Financing",
+      description: "Use this calculator to help you determine whether you should take advantage of low interest dealer financing or credit union financing combined with a manufacturer rebate."
+    },
+    {
+      name: "Home Equity Loan vs. Auto loan",
+      description: "Use this calculator to determine if a home equity loan makes sense for your next automobile purchase."
+    },
+    {
+      name: "Lease vs. Buy",
+      description: "Should you lease your next automobile or finance it? Find out with this calculator!"
+    },
+    {
+      name: "Low Interest Financing Savings",
+      description: "Low, promotional interest rates can save you a great deal of money when you finance your car or truck. Use this calculator to help find the best monthly payment and how much interest you could save."
+    }
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section
+          className="py-24 bg-gradient-subtle relative"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/financial-tools" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Financial Tools</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <Car className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Auto Financial Tools
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Auto loan calculators and financing tools to help you make the best vehicle purchase decisions
+                  </p>
+                </div>
+              </div>
+              
+              <div className="bg-white/95 rounded-2xl p-6 card-elevation">
+                <p className="text-forest text-sm">
+                  <strong>Disclaimer:</strong> While these financial tools are not a substitute for financial advice from a qualified professional, they can be used as a starting point in the decision making process.
+                </p>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Auto Tools Grid */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-6xl mx-auto">
+              <div className="grid md:grid-cols-2 lg:grid-cols-3 gap-6">
+                {autoTools.map((tool, index) => (
+                  <Card 
+                    key={index} 
+                    className="rounded-xl card-elevation hover:shadow-lg gentle-transition cursor-pointer h-full"
+                    onClick={() => handleToolClick(tool.name)}
+                  >
+                    <CardContent className="p-6 h-full flex flex-col">
+                      <div className="flex items-start justify-between mb-4">
+                        <div className="w-12 h-12 bg-brass/20 rounded-xl flex items-center justify-center flex-shrink-0">
+                          <Car className="w-6 h-6 text-brass" strokeWidth={1.5} />
+                        </div>
+                        <ExternalLink className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                      </div>
+                      
+                      <h3 className="text-display-sm font-display font-semibold text-forest mb-3 leading-tight">
+                        {tool.name}
+                      </h3>
+                      
+                      <p className="text-sage text-sm leading-relaxed flex-grow">
+                        {tool.description}
+                      </p>
+                      
+                      <div className="mt-4 pt-4 border-t border-sage/20">
+                        <Button 
+                          variant="outline" 
+                          size="sm" 
+                          className="w-full text-brass border-brass hover:bg-brass hover:text-cream"
+                        >
+                          Use Calculator
+                        </Button>
+                      </div>
+                    </CardContent>
+                  </Card>
+                ))}
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* CTA Section */}
+        <section className="py-24 bg-gradient-hero">
+          <div className="container mx-auto px-4 text-center">
+            <div className="max-w-3xl mx-auto">
+              <h2 className="text-display-lg font-display font-semibold text-cream mb-6">
+                Need Help with Auto Financing Decisions?
+              </h2>
+              
+              <p className="text-body-lg text-cream/90 mb-8 leading-relaxed">
+                Our experienced CPA team can help you understand the financial implications of your vehicle purchase and financing options.
+              </p>
+              
+              <Button 
+                size="lg" 
+                variant="outline"
+                className="bg-cream text-forest hover:bg-cream/90 border-cream btn-shadow text-lg px-8 py-3 rounded-2xl"
+              >
+                Schedule Auto Financing Consultation
+              </Button>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default FinancialToolsAuto;

src/pages/FinancialToolsBusiness.tsx

@@ -0,0 +1,226 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { Building, ExternalLink, ArrowLeft } from "lucide-react";
+import { Link } from "react-router-dom";
+
+const FinancialToolsBusiness = () => {
+  // Mapping der Tool-Namen zu ihren URLs
+  const getToolUrl = (toolName: string): string => {
+    const toolUrlMap: { [key: string]: string } = {
+      "Breakeven Analysis": "https://www.cchwebsites.com/content/calculators/BreakEven.html",
+      "Business Debt Consolidation Calculator": "https://www.cchwebsites.com/content/calculators/BizConsolidate.html",
+      "Business Valuation - Discounted Cash Flow": "https://www.cchwebsites.com/content/calculators/BusinessValuation.html",
+      "Cash Flow Calculator": "https://www.cchwebsites.com/content/calculators/CashFlow.html",
+      "Commercial Loan Calculator": "https://www.cchwebsites.com/content/calculators/DebtService.html",
+      "Debt Service Coverage": "https://www.cchwebsites.com/content/calculators/DebtService2.html",
+      "Equipment Buy vs. Lease": "https://www.cchwebsites.com/content/calculators/BizBuyvsLease.html",
+      "Financial Ratios": "https://www.cchwebsites.com/content/calculators/Ratios.html",
+      "Inventory Analysis": "https://www.cchwebsites.com/content/calculators/Inventory.html",
+      "Like Kind Exchange": "https://www.cchwebsites.com/content/calculators/LikeKindExchange.html",
+      "Profit Margin Calculator": "https://www.cchwebsites.com/content/calculators/ProfitMargin.html",
+      "Repossession of Personal Property from a Deferred Payment Sale": "https://www.cchwebsites.com/content/calculators/RepoPersonalDP.html",
+      "Repossession of Personal Property from an Installment Payment Sale": "https://www.cchwebsites.com/content/calculators/RepoPersonalInstall.html",
+      "Repossession of Real Property": "https://www.cchwebsites.com/content/calculators/RepoReal.html",
+      "Working Capital Needs": "https://www.cchwebsites.com/content/calculators/Capital.html"
+    };
+    
+    return toolUrlMap[toolName] || "#";
+  };
+
+  const handleToolClick = (toolName: string) => {
+    const url = getToolUrl(toolName);
+    if (url !== "#") {
+      window.open(url, '_blank', 'noopener,noreferrer');
+    }
+  };
+
+  const businessTools = [
+    {
+      name: "Breakeven Analysis",
+      description: "Find out how many and what price you must sell your product at to make a profit."
+    },
+    {
+      name: "Business Debt Consolidation Calculator",
+      description: "Should your business consolidate its debt? Use this calculator to find out."
+    },
+    {
+      name: "Business Valuation - Discounted Cash Flow",
+      description: "This tool calculates a business valuation based upon the discounted cash flow methodology - illustrating how changes in projected growth rates and capital assumptions impact the business Net Present Value."
+    },
+    {
+      name: "Cash Flow Calculator",
+      description: "Having adequate cash flow is essential to keep your business running. Use this calculator to help you determine the cash flow generated by your business."
+    },
+    {
+      name: "Commercial Loan Calculator",
+      description: "Use this calculator to estimate your debt service coverage with a new loan. If your debt service coverage is high enough, including your new loan payment, you have a good chance of being approved."
+    },
+    {
+      name: "Debt Service Coverage",
+      description: "This tool calculates debt service and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions."
+    },
+    {
+      name: "Equipment Buy vs. Lease",
+      description: "Should you lease your equipment or finance it? Find out with this calculator!"
+    },
+    {
+      name: "Financial Ratios",
+      description: "This calculator helps you to zero in on areas of your business that may need attention. Areas such as solvency, liquidity, operational efficiency and profitability."
+    },
+    {
+      name: "Inventory Analysis",
+      description: "Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders."
+    },
+    {
+      name: "Like Kind Exchange",
+      description: "This calculator is designed to calculate and the recognized loss, gain and the basis for a Like Kind Exchange."
+    },
+    {
+      name: "Profit Margin Calculator",
+      description: "This calculator can help you determine the selling price for your products to achieve a desired profit margin."
+    },
+    {
+      name: "Repossession of Personal Property from a Deferred Payment Sale",
+      description: "If you have repossessed personal property from a deferred payment sale, you can this calculator to determine the gain or loss."
+    },
+    {
+      name: "Repossession of Personal Property from an Installment Payment Sale",
+      description: "If you have repossessed personal property with installment payments, you can this calculator to determine the gain or loss."
+    },
+    {
+      name: "Repossession of Real Property",
+      description: "If you have repossessed real property, you can this calculator to determine the gain or loss as well as its new basis."
+    },
+    {
+      name: "Working Capital Needs",
+      description: "Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year."
+    }
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section
+          className="py-24 bg-gradient-subtle relative"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/financial-tools" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Financial Tools</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <Building className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Business Financial Tools
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Business financial analysis and planning tools to help you make informed decisions
+                  </p>
+                </div>
+              </div>
+              
+              <div className="bg-white/95 rounded-2xl p-6 card-elevation">
+                <p className="text-forest text-sm">
+                  <strong>Disclaimer:</strong> While these financial tools are not a substitute for financial advice from a qualified professional, they can be used as a starting point in the decision making process.
+                </p>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Business Tools Grid */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-6xl mx-auto">
+              <div className="grid md:grid-cols-2 lg:grid-cols-3 gap-6">
+                {businessTools.map((tool, index) => (
+                  <Card 
+                    key={index} 
+                    className="rounded-xl card-elevation hover:shadow-lg gentle-transition cursor-pointer h-full"
+                    onClick={() => handleToolClick(tool.name)}
+                  >
+                    <CardContent className="p-6 h-full flex flex-col">
+                      <div className="flex items-start justify-between mb-4">
+                        <div className="w-12 h-12 bg-brass/20 rounded-xl flex items-center justify-center flex-shrink-0">
+                          <Building className="w-6 h-6 text-brass" strokeWidth={1.5} />
+                        </div>
+                        <ExternalLink className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                      </div>
+                      
+                      <h3 className="text-display-sm font-display font-semibold text-forest mb-3 leading-tight">
+                        {tool.name}
+                      </h3>
+                      
+                      <p className="text-sage text-sm leading-relaxed flex-grow">
+                        {tool.description}
+                      </p>
+                      
+                      <div className="mt-4 pt-4 border-t border-sage/20">
+                        <Button 
+                          variant="outline" 
+                          size="sm" 
+                          className="w-full text-brass border-brass hover:bg-brass hover:text-cream"
+                        >
+                          Use Calculator
+                        </Button>
+                      </div>
+                    </CardContent>
+                  </Card>
+                ))}
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* CTA Section */}
+        <section className="py-24 bg-gradient-hero">
+          <div className="container mx-auto px-4 text-center">
+            <div className="max-w-3xl mx-auto">
+              <h2 className="text-display-lg font-display font-semibold text-cream mb-6">
+                Need Help with Business Financial Planning?
+              </h2>
+              
+              <p className="text-body-lg text-cream/90 mb-8 leading-relaxed">
+                Our experienced CPA team specializes in business financial analysis and can help you interpret these results and develop a comprehensive business strategy.
+              </p>
+              
+              <Button 
+                size="lg" 
+                variant="outline"
+                className="bg-cream text-forest hover:bg-cream/90 border-cream btn-shadow text-lg px-8 py-3 rounded-2xl"
+              >
+                Schedule Business Consultation
+              </Button>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default FinancialToolsBusiness;

src/pages/FinancialToolsDebt.tsx

@@ -0,0 +1,211 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { CreditCard, ExternalLink, ArrowLeft } from "lucide-react";
+import { Link } from "react-router-dom";
+
+const FinancialToolsDebt = () => {
+  // Mapping der Tool-Namen zu ihren URLs
+  const getToolUrl = (toolName: string): string => {
+    const toolUrlMap: { [key: string]: string } = {
+      "Accelerated Debt Payoff": "https://www.cchwebsites.com/content/calculators/DebtAccel.html",
+      "Consolidation Loan Investment Calculator": "https://www.cchwebsites.com/content/calculators/InvestmentDebt.html",
+      "Cost-of-Debt Calculator": "https://www.cchwebsites.com/content/calculators/Debt2Amount.html",
+      "Credit Card Minimum Payment Calculator": "https://www.cchwebsites.com/content/calculators/DebtPayoff2.html",
+      "Credit Card Optimizer": "https://www.cchwebsites.com/content/calculators/CardOptimizer.html",
+      "Credit Card Pay Off": "https://www.cchwebsites.com/content/calculators/PayoffCC.html",
+      "Home Equity Debt Consolidation": "https://www.cchwebsites.com/content/calculators/MortgageEquity.html",
+      "How much do you owe?": "https://www.cchwebsites.com/content/calculators/DebtAmount.html",
+      "Personal Debt Consolidation": "https://www.cchwebsites.com/content/calculators/DebtConsolidate.html",
+      "Roll-Down Your Credit Card Debt!": "https://www.cchwebsites.com/content/calculators/DebtRolldown.html",
+      "Snowball Debt Elimination Calculator": "https://www.cchwebsites.com/content/calculators/SnowBall2.html",
+      "Student Loan Consolidation and Debt Payoff": "https://www.cchwebsites.com/content/calculators/StudentRolldown.html"
+    };
+    
+    return toolUrlMap[toolName] || "#";
+  };
+
+  const handleToolClick = (toolName: string) => {
+    const url = getToolUrl(toolName);
+    if (url !== "#") {
+      window.open(url, '_blank', 'noopener,noreferrer');
+    }
+  };
+
+  const debtTools = [
+    {
+      name: "Accelerated Debt Payoff",
+      description: "Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff."
+    },
+    {
+      name: "Consolidation Loan Investment Calculator",
+      description: "Getting a consolidation loan can do more than payoff your debt. Use this calculator to see the results of paying off your debt and investing your payment savings."
+    },
+    {
+      name: "Cost-of-Debt Calculator",
+      description: "Use this calculator to see just how expensive paying interest on your debt can be."
+    },
+    {
+      name: "Credit Card Minimum Payment Calculator",
+      description: "Use this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments."
+    },
+    {
+      name: "Credit Card Optimizer",
+      description: "The Credit Card Optimizer helps you determine the best distribution of your credit card debt."
+    },
+    {
+      name: "Credit Card Pay Off",
+      description: "Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals."
+    },
+    {
+      name: "Home Equity Debt Consolidation",
+      description: "This calculator is designed to help determine whether using your home equity to consolidate your debt is right for you."
+    },
+    {
+      name: "How much do you owe?",
+      description: "Use this calculator as a starting point for your debt management plan."
+    },
+    {
+      name: "Personal Debt Consolidation",
+      description: "Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you."
+    },
+    {
+      name: "Roll-Down Your Credit Card Debt!",
+      description: "The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt."
+    },
+    {
+      name: "Snowball Debt Elimination Calculator",
+      description: "This Debt Calculator applies two simple principles to paying off all your Debt that can cut years off of your repayment schedule."
+    },
+    {
+      name: "Student Loan Consolidation and Debt Payoff",
+      description: "The Student Loan Consolidation and Debt Payoff calculator applies two simple principles to paying off your Debt; Consolidate your student loans, and use the monthly savings to pay off your other outstanding debt."
+    }
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section
+          className="py-24 bg-gradient-subtle relative"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/financial-tools" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Financial Tools</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <CreditCard className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Debt & Credit Card Tools
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Debt management and credit card optimization tools to help you get out of debt faster
+                  </p>
+                </div>
+              </div>
+              
+              <div className="bg-white/95 rounded-2xl p-6 card-elevation">
+                <p className="text-forest text-sm">
+                  <strong>Disclaimer:</strong> While these financial tools are not a substitute for financial advice from a qualified professional, they can be used as a starting point in the decision making process.
+                </p>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Debt Tools Grid */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-6xl mx-auto">
+              <div className="grid md:grid-cols-2 lg:grid-cols-3 gap-6">
+                {debtTools.map((tool, index) => (
+                  <Card 
+                    key={index} 
+                    className="rounded-xl card-elevation hover:shadow-lg gentle-transition cursor-pointer h-full"
+                    onClick={() => handleToolClick(tool.name)}
+                  >
+                    <CardContent className="p-6 h-full flex flex-col">
+                      <div className="flex items-start justify-between mb-4">
+                        <div className="w-12 h-12 bg-brass/20 rounded-xl flex items-center justify-center flex-shrink-0">
+                          <CreditCard className="w-6 h-6 text-brass" strokeWidth={1.5} />
+                        </div>
+                        <ExternalLink className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                      </div>
+                      
+                      <h3 className="text-display-sm font-display font-semibold text-forest mb-3 leading-tight">
+                        {tool.name}
+                      </h3>
+                      
+                      <p className="text-sage text-sm leading-relaxed flex-grow">
+                        {tool.description}
+                      </p>
+                      
+                      <div className="mt-4 pt-4 border-t border-sage/20">
+                        <Button 
+                          variant="outline" 
+                          size="sm" 
+                          className="w-full text-brass border-brass hover:bg-brass hover:text-cream"
+                        >
+                          Use Calculator
+                        </Button>
+                      </div>
+                    </CardContent>
+                  </Card>
+                ))}
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* CTA Section */}
+        <section className="py-24 bg-gradient-hero">
+          <div className="container mx-auto px-4 text-center">
+            <div className="max-w-3xl mx-auto">
+              <h2 className="text-display-lg font-display font-semibold text-cream mb-6">
+                Need Help with Debt Management?
+              </h2>
+              
+              <p className="text-body-lg text-cream/90 mb-8 leading-relaxed">
+                Our experienced CPA team can help you develop a comprehensive debt management strategy and understand the best approach for your financial situation.
+              </p>
+              
+              <Button 
+                size="lg" 
+                variant="outline"
+                className="bg-cream text-forest hover:bg-cream/90 border-cream btn-shadow text-lg px-8 py-3 rounded-2xl"
+              >
+                Schedule Debt Management Consultation
+              </Button>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default FinancialToolsDebt;

src/pages/FinancialToolsInsurance.tsx

@@ -0,0 +1,221 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { Shield, ExternalLink, ArrowLeft } from "lucide-react";
+import { Link } from "react-router-dom";
+
+const FinancialToolsInsurance = () => {
+  // Mapping der Tool-Namen zu ihren URLs
+  const getToolUrl = (toolName: string): string => {
+    const toolUrlMap: { [key: string]: string } = {
+      "Comprehensive Life Insurance Analysis": "https://www.cchwebsites.com/content/calculators/EnhancedLifeIns.html",
+      "Disability Insurance": "https://www.cchwebsites.com/content/calculators/Disability.html",
+      "Fixed Annuity Calculator": "https://www.cchwebsites.com/content/calculators/FixedAnnuity.html",
+      "Health Savings Account (HSA) Contribution Calculator": "https://www.cchwebsites.com/content/calculators/HSAContribution.html",
+      "Health Savings Account (HSA) Goal Calculator": "https://www.cchwebsites.com/content/calculators/HSAGoal.html",
+      "Health Savings Account (HSA) Savings Calculator": "https://www.cchwebsites.com/content/calculators/HSASavings.html",
+      "Health Savings Account (HSA) vs. Traditional Health Plan": "https://www.cchwebsites.com/content/calculators/HSAvsTraditional.html",
+      "Health Savings Accounts (HSA) Employer Benefit": "https://www.cchwebsites.com/content/calculators/HSABusiness.html",
+      "Human Life Value": "https://www.cchwebsites.com/content/calculators/HumanLifeValue.html",
+      "Immediate Annuity Calculator": "https://www.cchwebsites.com/content/calculators/ImmediateAnnuity.html",
+      "Life Insurance Calculator": "https://www.cchwebsites.com/content/calculators/LifeInsurance.html",
+      "Long Term Care Calculator": "https://www.cchwebsites.com/content/calculators/LongtermCare.html",
+      "Variable Annuity Calculator": "https://www.cchwebsites.com/content/calculators/Annuity.html",
+      "Variable Annuity without Surrender Charges": "https://www.cchwebsites.com/content/calculators/AnnuityNoSurrender.html"
+    };
+    
+    return toolUrlMap[toolName] || "#";
+  };
+
+  const handleToolClick = (toolName: string) => {
+    const url = getToolUrl(toolName);
+    if (url !== "#") {
+      window.open(url, '_blank', 'noopener,noreferrer');
+    }
+  };
+
+  const insuranceTools = [
+    {
+      name: "Comprehensive Life Insurance Analysis",
+      description: "How much life insurance do you need? This comprehensive life calculator includes detailed net worth analysis, budgeting and college savings helps you find out."
+    },
+    {
+      name: "Disability Insurance",
+      description: "Use this calculator to determine how much disability insurance you may need to cover expenses if you are unable to work due to illness or injury."
+    },
+    {
+      name: "Fixed Annuity Calculator",
+      description: "A fixed annuity can provide a secure, tax-deferred investment. Use this calculator to see how a fixed annuity might fit into your retirement plan."
+    },
+    {
+      name: "Health Savings Account (HSA) Contribution Calculator",
+      description: "This Health Savings Account (HSA) calculator determines the amount you are allowed to deposit into an HSA account for the current tax year."
+    },
+    {
+      name: "Health Savings Account (HSA) Goal Calculator",
+      description: "Are you looking at the Health Savings Account (HSA) as a retirement account? This calculator will help you determine what you need to do in order to reach your goal."
+    },
+    {
+      name: "Health Savings Account (HSA) Savings Calculator",
+      description: "Use this calculator to help you determine how much your Health Savings Account (HSA) will be worth over time."
+    },
+    {
+      name: "Health Savings Account (HSA) vs. Traditional Health Plan",
+      description: "Compare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan."
+    },
+    {
+      name: "Health Savings Accounts (HSA) Employer Benefit",
+      description: "This calculator helps estimate the value of creating a High Deductible Health Plan (HDHP) with Heath Savings Accounts (HSA) for your employees."
+    },
+    {
+      name: "Human Life Value",
+      description: "One of your most important assets is your ability to earn a paycheck. This calculator is designed to help you understand today's value of your future earning."
+    },
+    {
+      name: "Immediate Annuity Calculator",
+      description: "Estimate what your monthly payments might be from an immediate annuity."
+    },
+    {
+      name: "Life Insurance Calculator",
+      description: "Find out how much life insurance you really need!"
+    },
+    {
+      name: "Long Term Care Calculator",
+      description: "Long term care is needed by those who can't perform the basic tasks required to take care of themselves. This calculator can help you determine if you are financially prepared for this impending expense."
+    },
+    {
+      name: "Variable Annuity Calculator",
+      description: "How can a variable annuity help you save for retirement? Use this calculator to find out."
+    },
+    {
+      name: "Variable Annuity without Surrender Charges",
+      description: "How can a variable annuity help you save for retirement? Use this calculator to find out."
+    }
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section
+          className="py-24 bg-gradient-subtle relative"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/financial-tools" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Financial Tools</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <Shield className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Insurance Tools
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Insurance analysis and planning calculators to help you protect your financial future
+                  </p>
+                </div>
+              </div>
+              
+              <div className="bg-white/95 rounded-2xl p-6 card-elevation">
+                <p className="text-forest text-sm">
+                  <strong>Disclaimer:</strong> While these financial tools are not a substitute for financial advice from a qualified professional, they can be used as a starting point in the decision making process.
+                </p>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Insurance Tools Grid */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-6xl mx-auto">
+              <div className="grid md:grid-cols-2 lg:grid-cols-3 gap-6">
+                {insuranceTools.map((tool, index) => (
+                  <Card 
+                    key={index} 
+                    className="rounded-xl card-elevation hover:shadow-lg gentle-transition cursor-pointer h-full"
+                    onClick={() => handleToolClick(tool.name)}
+                  >
+                    <CardContent className="p-6 h-full flex flex-col">
+                      <div className="flex items-start justify-between mb-4">
+                        <div className="w-12 h-12 bg-brass/20 rounded-xl flex items-center justify-center flex-shrink-0">
+                          <Shield className="w-6 h-6 text-brass" strokeWidth={1.5} />
+                        </div>
+                        <ExternalLink className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                      </div>
+                      
+                      <h3 className="text-display-sm font-display font-semibold text-forest mb-3 leading-tight">
+                        {tool.name}
+                      </h3>
+                      
+                      <p className="text-sage text-sm leading-relaxed flex-grow">
+                        {tool.description}
+                      </p>
+                      
+                      <div className="mt-4 pt-4 border-t border-sage/20">
+                        <Button 
+                          variant="outline" 
+                          size="sm" 
+                          className="w-full text-brass border-brass hover:bg-brass hover:text-cream"
+                        >
+                          Use Calculator
+                        </Button>
+                      </div>
+                    </CardContent>
+                  </Card>
+                ))}
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* CTA Section */}
+        <section className="py-24 bg-gradient-hero">
+          <div className="container mx-auto px-4 text-center">
+            <div className="max-w-3xl mx-auto">
+              <h2 className="text-display-lg font-display font-semibold text-cream mb-6">
+                Need Help with Insurance Planning?
+              </h2>
+              
+              <p className="text-body-lg text-cream/90 mb-8 leading-relaxed">
+                Our experienced CPA team can help you understand your insurance needs and develop a comprehensive protection strategy for your financial future.
+              </p>
+              
+              <Button 
+                size="lg" 
+                variant="outline"
+                className="bg-cream text-forest hover:bg-cream/90 border-cream btn-shadow text-lg px-8 py-3 rounded-2xl"
+              >
+                Schedule Insurance Consultation
+              </Button>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default FinancialToolsInsurance;

src/pages/FinancialToolsInvestment.tsx

@@ -0,0 +1,286 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { TrendingUp, ExternalLink, ArrowLeft } from "lucide-react";
+import { Link } from "react-router-dom";
+
+const FinancialToolsInvestment = () => {
+  // Mapping der Tool-Namen zu ihren URLs
+  const getToolUrl = (toolName: string): string => {
+    const toolUrlMap: { [key: string]: string } = {
+      "Annual Rate of Return Calculator": "https://www.cchwebsites.com/content/calculators/AnnualReturn.html",
+      "Annual Stock Option Grants": "https://www.cchwebsites.com/content/calculators/StockGrants.html",
+      "Asset Allocation Calculator": "https://www.cchwebsites.com/content/calculators/AssetAllocator.html",
+      "Compare Investment Fees": "https://www.cchwebsites.com/content/calculators/CompareFees.html",
+      "Future Contracts Calculator": "https://www.cchwebsites.com/content/calculators/FutureContracts.html",
+      "Future Value Calculator": "https://www.cchwebsites.com/content/calculators/FutureValue.html",
+      "Internal Rate of Return (IRR) Calculator": "https://www.cchwebsites.com/content/calculators/IRRReturn.html",
+      "Investment Distributions": "https://www.cchwebsites.com/content/calculators/InvestmentDistribution2.html",
+      "Investment Goal": "https://www.cchwebsites.com/content/calculators/InvestmentVariables.html",
+      "Investment Loan": "https://www.cchwebsites.com/content/calculators/InvestmentLoan.html",
+      "Investment Property Calculator": "https://www.cchwebsites.com/content/calculators/InvestmentProperty.html",
+      "Investment Questionnaire - Broad Portfolio": "https://www.cchwebsites.com/content/calculators/InvestmentProfile.html",
+      "Investment Questionnaire - Cash, Fixed Income and Equities": "https://www.cchwebsites.com/content/calculators/InvestmentQuestionaire.html",
+      "Investment Returns": "https://www.cchwebsites.com/content/calculators/InvestmentReturn.html",
+      "Investment Savings and Distributions": "https://www.cchwebsites.com/content/calculators/InvestmentDistribution.html",
+      "Lump Sum Annual Return Calculator": "https://www.cchwebsites.com/content/calculators/AnnualReturnAmount.html",
+      "Lump Sum Future Value Calculator": "https://www.cchwebsites.com/content/calculators/FutureValueAmount.html",
+      "Lump Sum Present Value Calculator": "https://www.cchwebsites.com/content/calculators/PresentValueAmount.html",
+      "Municipal Bond Tax Equivalent Yield": "https://www.cchwebsites.com/content/calculators/TaxEquivYield.html",
+      "Mutual Fund Expense Calculator": "https://www.cchwebsites.com/content/calculators/FundExpense.html",
+      "Personal Economic Recovery Calculator": "https://www.cchwebsites.com/content/calculators/RecoverTime.html",
+      "Present Value Calculator": "https://www.cchwebsites.com/content/calculators/PresentValue.html",
+      "Present Value Goal Calculator": "https://www.cchwebsites.com/content/calculators/PresentValueGoal.html",
+      "REIT Tax-Equivalent Distribution": "https://www.cchwebsites.com/content/calculators/REITTaxEquivYield.html",
+      "Stock Option Calculator": "https://www.cchwebsites.com/content/calculators/StockOptions.html",
+      "Taxable vs. Tax Deferred Investments": "https://www.cchwebsites.com/content/calculators/InvestCompare2.html",
+      "Taxable vs. Tax Deferred vs. Tax Free Investment": "https://www.cchwebsites.com/content/calculators/InvestCompare.html"
+    };
+    
+    return toolUrlMap[toolName] || "#";
+  };
+
+  const handleToolClick = (toolName: string) => {
+    const url = getToolUrl(toolName);
+    if (url !== "#") {
+      window.open(url, '_blank', 'noopener,noreferrer');
+    }
+  };
+
+  const investmentTools = [
+    {
+      name: "Annual Rate of Return Calculator",
+      description: "Use this calculator to determine the annual return of a known initial amount, a stream of deposits, plus a known final future value."
+    },
+    {
+      name: "Annual Stock Option Grants",
+      description: "Use this calculator to project how much a series of annual stock option grants could be worth to you."
+    },
+    {
+      name: "Asset Allocation Calculator",
+      description: "Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash."
+    },
+    {
+      name: "Compare Investment Fees",
+      description: "Even a small difference in the fees you pay on your investments can add up over time. Use this calculator to see how different fees impact your investment strategy!"
+    },
+    {
+      name: "Future Contracts Calculator",
+      description: "Use this calculator to determine the number of futures contracts you may wish to purchase based on your account equity and trading plan."
+    },
+    {
+      name: "Future Value Calculator",
+      description: "Use this calculator to determine the future value of an investment which can include an initial deposit and a stream of periodic deposits."
+    },
+    {
+      name: "Internal Rate of Return (IRR) Calculator",
+      description: "Use this calculator to determine an Internal Rate of Return (IRR). It calculates the IRR on an annual basis of an irregular stream of up to 20 payments and withdrawals."
+    },
+    {
+      name: "Investment Distributions",
+      description: "This calculator helps you determine either how long or how much periodic distributions can be taken out of an investment before it runs out."
+    },
+    {
+      name: "Investment Goal",
+      description: "Use this calculator to see if your investment plan is on track to meet your investment goals - and receive suggestions on how to change it if you are falling short."
+    },
+    {
+      name: "Investment Loan",
+      description: "This calculator helps illustrate the effect of using a loan to purchase an investment or appreciable asset. Using debt as leverage to purchase investments can magnify your return. The downside is that you also increase your risk."
+    },
+    {
+      name: "Investment Property Calculator",
+      description: "An investment property can be an excellent investment. This calculator is designed to examine the potential return you might receive from an investment property."
+    },
+    {
+      name: "Investment Questionnaire - Broad Portfolio",
+      description: "The Investment Questionnaire is designed to help you create a balanced portfolio from a broad range of investment classes."
+    },
+    {
+      name: "Investment Questionnaire - Cash, Fixed Income and Equities",
+      description: "This questionnaire is designed to help you create a balanced portfolio of the three basic investment classes: Cash, Fixed Income and Equities."
+    },
+    {
+      name: "Investment Returns",
+      description: "There is more to investing than knowing your annual rate of return. Use this calculator to help you see how inflation, taxes and your time horizon can impact your bottom line."
+    },
+    {
+      name: "Investment Savings and Distributions",
+      description: "Use this calculator to see how long your investment savings can last once you begin taking distributions."
+    },
+    {
+      name: "Lump Sum Annual Return Calculator",
+      description: "Use this calculator to determine the annual rate of return of known lump sum starting and ending amount."
+    },
+    {
+      name: "Lump Sum Future Value Calculator",
+      description: "Use this calculator to determine the future value of a lump sum."
+    },
+    {
+      name: "Lump Sum Present Value Calculator",
+      description: "Use this calculator to determine the present value of a future lump sum."
+    },
+    {
+      name: "Municipal Bond Tax Equivalent Yield",
+      description: "Income generated from municipal bond coupon payments are not subject to federal income tax and often are exempt from state taxes. Use this calculator to estimate the tax-equivalent yield (TEY) for a municipal bond."
+    },
+    {
+      name: "Mutual Fund Expense Calculator",
+      description: "This calculator can help you analyze the costs associated with buying shares in a mutual fund. By entering a few pieces of information, found in your fund's prospectus, you can see the impact of fees and operating expenses on your investment."
+    },
+    {
+      name: "Personal Economic Recovery Calculator",
+      description: "This calculator can help you determine exactly what it might take to return your to your original investment balance."
+    },
+    {
+      name: "Present Value Calculator",
+      description: "Use this calculator to determine the present value of a known final future value plus a stream of deposits."
+    },
+    {
+      name: "Present Value Goal Calculator",
+      description: "Use this calculator to determine the how much needs to be invested now to achieve a future goal. The total amount required immediately is reduced by the present value of a stream of additional deposits."
+    },
+    {
+      name: "REIT Tax-Equivalent Distribution",
+      description: "This calculator shows a REIT's hypothetical yield and how ROC impacts tax equivalent yield."
+    },
+    {
+      name: "Stock Option Calculator",
+      description: "Use this calculator to determine the value of your stock options for the next one to twenty five years."
+    },
+    {
+      name: "Taxable vs. Tax Deferred Investments",
+      description: "This calculator is designed to help compare a normal taxable investment vs. a tax deferred investment."
+    },
+    {
+      name: "Taxable vs. Tax Deferred vs. Tax Free Investment",
+      description: "This calculator is designed to help compare a normal taxable investment, a tax deferred investment and tax-free investment."
+    }
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section
+          className="py-24 bg-gradient-subtle relative"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/financial-tools" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Financial Tools</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <TrendingUp className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Investment Tools
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Investment analysis and portfolio planning tools to help you build wealth
+                  </p>
+                </div>
+              </div>
+              
+              <div className="bg-white/95 rounded-2xl p-6 card-elevation">
+                <p className="text-forest text-sm">
+                  <strong>Disclaimer:</strong> While these financial tools are not a substitute for financial advice from a qualified professional, they can be used as a starting point in the decision making process.
+                </p>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Investment Tools Grid */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-6xl mx-auto">
+              <div className="grid md:grid-cols-2 lg:grid-cols-3 gap-6">
+                {investmentTools.map((tool, index) => (
+                  <Card 
+                    key={index} 
+                    className="rounded-xl card-elevation hover:shadow-lg gentle-transition cursor-pointer h-full"
+                    onClick={() => handleToolClick(tool.name)}
+                  >
+                    <CardContent className="p-6 h-full flex flex-col">
+                      <div className="flex items-start justify-between mb-4">
+                        <div className="w-12 h-12 bg-brass/20 rounded-xl flex items-center justify-center flex-shrink-0">
+                          <TrendingUp className="w-6 h-6 text-brass" strokeWidth={1.5} />
+                        </div>
+                        <ExternalLink className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                      </div>
+                      
+                      <h3 className="text-display-sm font-display font-semibold text-forest mb-3 leading-tight">
+                        {tool.name}
+                      </h3>
+                      
+                      <p className="text-sage text-sm leading-relaxed flex-grow">
+                        {tool.description}
+                      </p>
+                      
+                      <div className="mt-4 pt-4 border-t border-sage/20">
+                        <Button 
+                          variant="outline" 
+                          size="sm" 
+                          className="w-full text-brass border-brass hover:bg-brass hover:text-cream"
+                        >
+                          Use Calculator
+                        </Button>
+                      </div>
+                    </CardContent>
+                  </Card>
+                ))}
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* CTA Section */}
+        <section className="py-24 bg-gradient-hero">
+          <div className="container mx-auto px-4 text-center">
+            <div className="max-w-3xl mx-auto">
+              <h2 className="text-display-lg font-display font-semibold text-cream mb-6">
+                Need Help with Investment Planning?
+              </h2>
+              
+              <p className="text-body-lg text-cream/90 mb-8 leading-relaxed">
+                Our experienced CPA team can help you develop a comprehensive investment strategy and understand the best approach for your financial goals.
+              </p>
+              
+              <Button 
+                size="lg" 
+                variant="outline"
+                className="bg-cream text-forest hover:bg-cream/90 border-cream btn-shadow text-lg px-8 py-3 rounded-2xl"
+              >
+                Schedule Investment Consultation
+              </Button>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default FinancialToolsInvestment;

src/pages/FinancialToolsLoan.tsx

@@ -0,0 +1,216 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { DollarSign, ExternalLink, ArrowLeft } from "lucide-react";
+import { Link } from "react-router-dom";
+
+const FinancialToolsLoan = () => {
+  // Mapping der Tool-Namen zu ihren URLs
+  const getToolUrl = (toolName: string): string => {
+    const toolUrlMap: { [key: string]: string } = {
+      "Alternative Payment Frequencies": "https://www.cchwebsites.com/content/calculators/ComplexLoan.html",
+      "Amortizing Loan Calculator": "https://www.cchwebsites.com/content/calculators/SimpleLoan.html",
+      "Balloon Loan Calculator": "https://www.cchwebsites.com/content/calculators/BalloonLoan.html",
+      "Debt Consolidation Calculator": "https://www.cchwebsites.com/content/calculators/Consolidate.html",
+      "Enhanced Loan Calculator": "https://www.cchwebsites.com/content/calculators/EnhancedLoan.html",
+      "Equity Line of Credit Payments": "https://www.cchwebsites.com/content/calculators/PaymentLine.html",
+      "Existing Loan Calculator": "https://www.cchwebsites.com/content/calculators/ExistingLoan.html",
+      "Home Equity Line of Credit Calculator": "https://www.cchwebsites.com/content/calculators/CreditLine.html",
+      "Line of Credit Payoff": "https://www.cchwebsites.com/content/calculators/PayoffLine.html",
+      "Loan & Credit Line Payment": "https://www.cchwebsites.com/content/calculators/PaymentOptions.html",
+      "Loan & Credit Line Tax Savings": "https://www.cchwebsites.com/content/calculators/LineTaxes.html",
+      "Loan Comparison Calculator": "https://www.cchwebsites.com/content/calculators/CompareLoan.html",
+      "Loan Prequalification Calculator": "https://www.cchwebsites.com/content/calculators/LoanPrequal.html"
+    };
+    
+    return toolUrlMap[toolName] || "#";
+  };
+
+  const handleToolClick = (toolName: string) => {
+    const url = getToolUrl(toolName);
+    if (url !== "#") {
+      window.open(url, '_blank', 'noopener,noreferrer');
+    }
+  };
+
+  const loanTools = [
+    {
+      name: "Alternative Payment Frequencies",
+      description: "Use this calculator to determine your payment or loan amount for different payment frequencies."
+    },
+    {
+      name: "Amortizing Loan Calculator",
+      description: "Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!"
+    },
+    {
+      name: "Balloon Loan Calculator",
+      description: "A balloon loan can be an excellent option for many borrowers. Use this calculator to see how a balloon loan might work for you."
+    },
+    {
+      name: "Debt Consolidation Calculator",
+      description: "Should you consolidate your debt? Use this calculator to find out."
+    },
+    {
+      name: "Enhanced Loan Calculator",
+      description: "Use the slider controls to instantly change your monthly payment, loan amount, interest rate or term."
+    },
+    {
+      name: "Equity Line of Credit Payments",
+      description: "What will my monthly payments be for an interest only equity line of credit?"
+    },
+    {
+      name: "Existing Loan Calculator",
+      description: "Use this calculator to analyze one of your existing loans. Calculate your remaining balance based on the number of monthly payments you have remaining."
+    },
+    {
+      name: "Home Equity Line of Credit Calculator",
+      description: "How big of a home equity line of credit can you receive? Use this calculator to find out!"
+    },
+    {
+      name: "Line of Credit Payoff",
+      description: "Use this calculator to see what it will take to pay off your line of credit, and what you can change to meet your repayment goals."
+    },
+    {
+      name: "Loan & Credit Line Payment",
+      description: "This calculator helps determine your loan or credit line payment."
+    },
+    {
+      name: "Loan & Credit Line Tax Savings",
+      description: "This calculator helps determine your tax savings on loans or credit lines with tax deductible interest payments."
+    },
+    {
+      name: "Loan Comparison Calculator",
+      description: "Use this calculator to sort through the monthly payments, fees and other costs when comparing loan options."
+    },
+    {
+      name: "Loan Prequalification Calculator",
+      description: "Use this calculator as your first step in determining your ability to qualify for a loan."
+    }
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section
+          className="py-24 bg-gradient-subtle relative"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/financial-tools" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Financial Tools</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <DollarSign className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Loan Tools
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Loan calculators and payment analysis tools to help you make informed borrowing decisions
+                  </p>
+                </div>
+              </div>
+              
+              <div className="bg-white/95 rounded-2xl p-6 card-elevation">
+                <p className="text-forest text-sm">
+                  <strong>Disclaimer:</strong> While these financial tools are not a substitute for financial advice from a qualified professional, they can be used as a starting point in the decision making process.
+                </p>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Loan Tools Grid */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-6xl mx-auto">
+              <div className="grid md:grid-cols-2 lg:grid-cols-3 gap-6">
+                {loanTools.map((tool, index) => (
+                  <Card 
+                    key={index} 
+                    className="rounded-xl card-elevation hover:shadow-lg gentle-transition cursor-pointer h-full"
+                    onClick={() => handleToolClick(tool.name)}
+                  >
+                    <CardContent className="p-6 h-full flex flex-col">
+                      <div className="flex items-start justify-between mb-4">
+                        <div className="w-12 h-12 bg-brass/20 rounded-xl flex items-center justify-center flex-shrink-0">
+                          <DollarSign className="w-6 h-6 text-brass" strokeWidth={1.5} />
+                        </div>
+                        <ExternalLink className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                      </div>
+                      
+                      <h3 className="text-display-sm font-display font-semibold text-forest mb-3 leading-tight">
+                        {tool.name}
+                      </h3>
+                      
+                      <p className="text-sage text-sm leading-relaxed flex-grow">
+                        {tool.description}
+                      </p>
+                      
+                      <div className="mt-4 pt-4 border-t border-sage/20">
+                        <Button 
+                          variant="outline" 
+                          size="sm" 
+                          className="w-full text-brass border-brass hover:bg-brass hover:text-cream"
+                        >
+                          Use Calculator
+                        </Button>
+                      </div>
+                    </CardContent>
+                  </Card>
+                ))}
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* CTA Section */}
+        <section className="py-24 bg-gradient-hero">
+          <div className="container mx-auto px-4 text-center">
+            <div className="max-w-3xl mx-auto">
+              <h2 className="text-display-lg font-display font-semibold text-cream mb-6">
+                Need Help with Loan Decisions?
+              </h2>
+              
+              <p className="text-body-lg text-cream/90 mb-8 leading-relaxed">
+                Our experienced CPA team can help you understand the financial implications of different loan options and develop a borrowing strategy that fits your needs.
+              </p>
+              
+              <Button 
+                size="lg" 
+                variant="outline"
+                className="bg-cream text-forest hover:bg-cream/90 border-cream btn-shadow text-lg px-8 py-3 rounded-2xl"
+              >
+                Schedule Loan Consultation
+              </Button>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default FinancialToolsLoan;

src/pages/FinancialToolsMortgage.tsx

@@ -0,0 +1,291 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { Home, ExternalLink, ArrowLeft } from "lucide-react";
+import { Link } from "react-router-dom";
+
+const FinancialToolsMortgage = () => {
+  // Mapping der Tool-Namen zu ihren URLs
+  const getToolUrl = (toolName: string): string => {
+    const toolUrlMap: { [key: string]: string } = {
+      "Adjustable Rate Mortgage Calculator": "https://www.cchwebsites.com/content/calculators/MortgageAdjustable.html",
+      "APR Calculator for Adjustable Rate Mortgages": "https://www.cchwebsites.com/content/calculators/MortgageAprAdjustable.html",
+      "ARM & Interest Only ARM vs. Fixed Rate Mortgage": "https://www.cchwebsites.com/content/calculators/MortgageArmvsFixed.html",
+      "Balloon Mortgages": "https://www.cchwebsites.com/content/calculators/MortgageBalloon.html",
+      "Bi-weekly Payment Calculator": "https://www.cchwebsites.com/content/calculators/Biweekly.html",
+      "Bi-weekly Payments for an Existing Mortgage": "https://www.cchwebsites.com/content/calculators/ExistingBiweekly.html",
+      "Blended Rate Mortgage Calculator": "https://www.cchwebsites.com/content/calculators/MortgageBlend.html",
+      "FHA Maximum Financing Calculator": "https://www.cchwebsites.com/content/calculators/FHAMortgageQualifier.html",
+      "Fixed Rate Mortgage vs. Interest Only Mortgage": "https://www.cchwebsites.com/content/calculators/MortgageFixedvsIO.html",
+      "Fixed Rate Mortgage vs. LIBOR ARM": "https://www.cchwebsites.com/content/calculators/MortgageFixedvsLibor.html",
+      "Interest Only ARM Calculator": "https://www.cchwebsites.com/content/calculators/MortgageIOAdjustable.html",
+      "Interest Only Mortgage Calculator": "https://www.cchwebsites.com/content/calculators/MortgageInterestOnly.html",
+      "Maximum Mortgage": "https://www.cchwebsites.com/content/calculators/MortgageApr.html",
+      "Mortgage APR Calculator": "https://www.cchwebsites.com/content/calculators/MortgageCompare.html",
+      "Mortgage Comparison: 15 Years vs. 30 Years": "https://www.cchwebsites.com/content/calculators/MortgageConsolidate.html",
+      "Mortgage Debt Consolidation": "https://www.cchwebsites.com/content/calculators/MortgageLoan.html",
+      "Mortgage Loan Calculator": "https://www.cchwebsites.com/content/calculators/MortgageLoan2.html",
+      "Mortgage Loan Calculator (PITI)": "https://www.cchwebsites.com/content/calculators/MortgagePayoff.html",
+      "Mortgage Payoff": "https://www.cchwebsites.com/content/calculators/MortgagePoints.html",
+      "Mortgage Points Calculator": "https://www.cchwebsites.com/content/calculators/MortgageQualifier.html",
+      "Mortgage Qualifier": "https://www.cchwebsites.com/content/calculators/MortgageRefinance.html",
+      "Mortgage Refinance Break Even": "https://www.cchwebsites.com/content/calculators/MortgageIncome.html",
+      "Mortgage Required Income": "https://www.cchwebsites.com/content/calculators/MortgageTaxes.html",
+      "Mortgage Tax Savings Calculator": "https://www.cchwebsites.com/content/calculators/MortgageFixedvsNegAm.html",
+      "Option ARM vs. Fixed Rate Mortgage": "https://www.cchwebsites.com/content/calculators/ShouldIRefi.html",
+      "Refinance Interest Savings": "https://www.cchwebsites.com/content/calculators/ReverseMortgage.html",
+      "Rent vs. Buy": "https://www.cchwebsites.com/content/calculators/ReverseMortgage.html",
+      "Reverse Mortgage Calculator": "https://www.cchwebsites.com/content/calculators/ReverseMortgage.html"
+    };
+    
+    return toolUrlMap[toolName] || "#";
+  };
+
+  const handleToolClick = (toolName: string) => {
+    const url = getToolUrl(toolName);
+    if (url !== "#") {
+      window.open(url, '_blank', 'noopener,noreferrer');
+    }
+  };
+
+  const mortgageTools = [
+    {
+      name: "Adjustable Rate Mortgage Calculator",
+      description: "This calculator helps you to determine what your adjustable mortgage payments will be."
+    },
+    {
+      name: "APR Calculator for Adjustable Rate Mortgages",
+      description: "Use this calculator to find the APR on your adjustable rate mortgage."
+    },
+    {
+      name: "ARM & Interest Only ARM vs. Fixed Rate Mortgage",
+      description: "Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM."
+    },
+    {
+      name: "Balloon Mortgages",
+      description: "A balloon mortgage can be an excellent option for many home buyers, use this calculator to see if a balloon mortgage might fit your needs."
+    },
+    {
+      name: "Bi-weekly Payment Calculator",
+      description: "Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment."
+    },
+    {
+      name: "Bi-weekly Payments for an Existing Mortgage",
+      description: "This calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly payments, instead of monthly payments."
+    },
+    {
+      name: "Blended Rate Mortgage Calculator",
+      description: "This calculator helps you determine the effective, or blended, interest rate you would pay if you use a first and a second mortgage to finance the purchase of a home."
+    },
+    {
+      name: "FHA Maximum Financing Calculator",
+      description: "Use this calculator to determine your maximum FHA mortgage and cash needed for closing."
+    },
+    {
+      name: "Fixed Rate Mortgage vs. Interest Only Mortgage",
+      description: "Use this calculator to compare a fixed rate mortgage to Interest Only Mortgage."
+    },
+    {
+      name: "Fixed Rate Mortgage vs. LIBOR ARM",
+      description: "Use this calculator to compare a fixed rate mortgage to a LIBOR ARM."
+    },
+    {
+      name: "Interest Only ARM Calculator",
+      description: "Interest only mortgages can provide you with very low monthly payments, however you are not paying off any principal during the interest only period."
+    },
+    {
+      name: "Interest Only Mortgage Calculator",
+      description: "Use this calculator to generate an amortization schedule for an interest only mortgage."
+    },
+    {
+      name: "Maximum Mortgage",
+      description: "Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow."
+    },
+    {
+      name: "Mortgage APR Calculator",
+      description: "Use this calculator to find the APR on your mortgage."
+    },
+    {
+      name: "Mortgage Comparison: 15 Years vs. 30 Years",
+      description: "Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you."
+    },
+    {
+      name: "Mortgage Debt Consolidation",
+      description: "This calculator is designed to help determine whether using a mortgage to consolidate your debt is right for you."
+    },
+    {
+      name: "Mortgage Loan Calculator",
+      description: "Use this calculator to determine your monthly payment and amortization schedule."
+    },
+    {
+      name: "Mortgage Loan Calculator (PITI)",
+      description: "Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule."
+    },
+    {
+      name: "Mortgage Payoff",
+      description: "Save thousands of dollars in interest by increasing your monthly mortgage payment."
+    },
+    {
+      name: "Mortgage Points Calculator",
+      description: "Should you buy points? Use this calculator to find out."
+    },
+    {
+      name: "Mortgage Qualifier",
+      description: "Can you buy your dream home? Find out just how much you can afford!"
+    },
+    {
+      name: "Mortgage Refinance Break Even",
+      description: "Should you refinance your mortgage? Use this calculator to determine when you will break even."
+    },
+    {
+      name: "Mortgage Required Income",
+      description: "Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income."
+    },
+    {
+      name: "Mortgage Tax Savings Calculator",
+      description: "Interest and points paid for a home mortgage are tax deductible. Use this calculator to determine how much your mortgage could save you in income taxes."
+    },
+    {
+      name: "Option ARM vs. Fixed Rate Mortgage",
+      description: "Use this calculator see how a minimum payment on an Option ARM Mortgage can save you money on your monthly mortgage payment."
+    },
+    {
+      name: "Refinance Interest Savings",
+      description: "Use this calculator to see how much interest you can save by refinancing your mortgage!"
+    },
+    {
+      name: "Rent vs. Buy",
+      description: "Are you better off buying your home, or should you continue to rent?"
+    },
+    {
+      name: "Reverse Mortgage Calculator",
+      description: "This calculator is specifically designed to show you how the outstanding balance of a reverse mortgage can rapidly grow over a period of time."
+    }
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section
+          className="py-24 bg-gradient-subtle relative"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/financial-tools" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Financial Tools</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <Home className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Mortgage Tools
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Mortgage calculators and home financing tools to help you make informed home buying decisions
+                  </p>
+                </div>
+              </div>
+              
+              <div className="bg-white/95 rounded-2xl p-6 card-elevation">
+                <p className="text-forest text-sm">
+                  <strong>Disclaimer:</strong> While these financial tools are not a substitute for financial advice from a qualified professional, they can be used as a starting point in the decision making process.
+                </p>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Mortgage Tools Grid */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-6xl mx-auto">
+              <div className="grid md:grid-cols-2 lg:grid-cols-3 gap-6">
+                {mortgageTools.map((tool, index) => (
+                  <Card 
+                    key={index} 
+                    className="rounded-xl card-elevation hover:shadow-lg gentle-transition cursor-pointer h-full"
+                    onClick={() => handleToolClick(tool.name)}
+                  >
+                    <CardContent className="p-6 h-full flex flex-col">
+                      <div className="flex items-start justify-between mb-4">
+                        <div className="w-12 h-12 bg-brass/20 rounded-xl flex items-center justify-center flex-shrink-0">
+                          <Home className="w-6 h-6 text-brass" strokeWidth={1.5} />
+                        </div>
+                        <ExternalLink className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                      </div>
+                      
+                      <h3 className="text-display-sm font-display font-semibold text-forest mb-3 leading-tight">
+                        {tool.name}
+                      </h3>
+                      
+                      <p className="text-sage text-sm leading-relaxed flex-grow">
+                        {tool.description}
+                      </p>
+                      
+                      <div className="mt-4 pt-4 border-t border-sage/20">
+                        <Button 
+                          variant="outline" 
+                          size="sm" 
+                          className="w-full text-brass border-brass hover:bg-brass hover:text-cream"
+                        >
+                          Use Calculator
+                        </Button>
+                      </div>
+                    </CardContent>
+                  </Card>
+                ))}
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* CTA Section */}
+        <section className="py-24 bg-gradient-hero">
+          <div className="container mx-auto px-4 text-center">
+            <div className="max-w-3xl mx-auto">
+              <h2 className="text-display-lg font-display font-semibold text-cream mb-6">
+                Need Help with Mortgage Decisions?
+              </h2>
+              
+              <p className="text-body-lg text-cream/90 mb-8 leading-relaxed">
+                Our experienced CPA team can help you understand the financial implications of different mortgage options and develop a home buying strategy that fits your budget.
+              </p>
+              
+              <Button 
+                size="lg" 
+                variant="outline"
+                className="bg-cream text-forest hover:bg-cream/90 border-cream btn-shadow text-lg px-8 py-3 rounded-2xl"
+              >
+                Schedule Mortgage Consultation
+              </Button>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default FinancialToolsMortgage;

src/pages/FinancialToolsPersonalFinance.tsx

@@ -0,0 +1,196 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { FileText, ExternalLink, ArrowLeft } from "lucide-react";
+import { Link } from "react-router-dom";
+
+const FinancialToolsPersonalFinance = () => {
+  // Mapping der Tool-Namen zu ihren URLs
+  const getToolUrl = (toolName: string): string => {
+    const toolUrlMap: { [key: string]: string } = {
+      "Basic Calculator": "https://www.cchwebsites.com/content/calculators/FinCalc.html",
+      "Basic Financial Calculator": "https://www.cchwebsites.com/content/calculators/FinCalc3.html",
+      "Checkbook Balancer": "https://www.cchwebsites.com/content/calculators/CheckBook.html",
+      "Credit Assessment": "https://www.cchwebsites.com/content/calculators/CreditAssessment.html",
+      "Home Budget Analysis": "https://www.cchwebsites.com/content/calculators/HomeBudget.html",
+      "Life Expectancy": "https://www.cchwebsites.com/content/calculators/LifeTime.html",
+      "Net Worth": "https://www.cchwebsites.com/content/calculators/NetWorth.html",
+      "Should my spouse work?": "https://www.cchwebsites.com/content/calculators/IncomeOneorTwo.html",
+      "Student Budget": "https://www.cchwebsites.com/content/calculators/StudentBudget.html"
+    };
+    
+    return toolUrlMap[toolName] || "#";
+  };
+
+  const handleToolClick = (toolName: string) => {
+    const url = getToolUrl(toolName);
+    if (url !== "#") {
+      window.open(url, '_blank', 'noopener,noreferrer');
+    }
+  };
+
+  const personalFinanceTools = [
+    {
+      name: "Basic Calculator",
+      description: "This works just like a pocket calculator."
+    },
+    {
+      name: "Basic Financial Calculator",
+      description: "This works just like a pocket financial calculator. In addition to arithmetic it can also calculate present value, future value, payments or number or periods."
+    },
+    {
+      name: "Checkbook Balancer",
+      description: "Balance your checkbook with this quick and easy calculator."
+    },
+    {
+      name: "Credit Assessment",
+      description: "How is your credit? Use this calculator for a quick assessment!"
+    },
+    {
+      name: "Home Budget Analysis",
+      description: "Analyze your budget, see where your money goes and find out where you can improve!"
+    },
+    {
+      name: "Life Expectancy",
+      description: "This calculator can give you an idea of your life expectancy based on your current age, smoking habits, gender and several other important lifestyle choices."
+    },
+    {
+      name: "Net Worth",
+      description: "This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years."
+    },
+    {
+      name: "Should my spouse work?",
+      description: "This calculator is designed to help you see the financial impact of having either one or two incomes for your household."
+    },
+    {
+      name: "Student Budget",
+      description: "This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution."
+    }
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section
+          className="py-24 bg-gradient-subtle relative"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/financial-tools" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Financial Tools</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <FileText className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Personal Finance Tools
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Personal finance management and budgeting tools to help you take control of your finances
+                  </p>
+                </div>
+              </div>
+              
+              <div className="bg-white/95 rounded-2xl p-6 card-elevation">
+                <p className="text-forest text-sm">
+                  <strong>Disclaimer:</strong> While these financial tools are not a substitute for financial advice from a qualified professional, they can be used as a starting point in the decision making process.
+                </p>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Personal Finance Tools Grid */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-6xl mx-auto">
+              <div className="grid md:grid-cols-2 lg:grid-cols-3 gap-6">
+                {personalFinanceTools.map((tool, index) => (
+                  <Card 
+                    key={index} 
+                    className="rounded-xl card-elevation hover:shadow-lg gentle-transition cursor-pointer h-full"
+                    onClick={() => handleToolClick(tool.name)}
+                  >
+                    <CardContent className="p-6 h-full flex flex-col">
+                      <div className="flex items-start justify-between mb-4">
+                        <div className="w-12 h-12 bg-brass/20 rounded-xl flex items-center justify-center flex-shrink-0">
+                          <FileText className="w-6 h-6 text-brass" strokeWidth={1.5} />
+                        </div>
+                        <ExternalLink className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                      </div>
+                      
+                      <h3 className="text-display-sm font-display font-semibold text-forest mb-3 leading-tight">
+                        {tool.name}
+                      </h3>
+                      
+                      <p className="text-sage text-sm leading-relaxed flex-grow">
+                        {tool.description}
+                      </p>
+                      
+                      <div className="mt-4 pt-4 border-t border-sage/20">
+                        <Button 
+                          variant="outline" 
+                          size="sm" 
+                          className="w-full text-brass border-brass hover:bg-brass hover:text-cream"
+                        >
+                          Use Calculator
+                        </Button>
+                      </div>
+                    </CardContent>
+                  </Card>
+                ))}
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* CTA Section */}
+        <section className="py-24 bg-gradient-hero">
+          <div className="container mx-auto px-4 text-center">
+            <div className="max-w-3xl mx-auto">
+              <h2 className="text-display-lg font-display font-semibold text-cream mb-6">
+                Need Help with Personal Finance Planning?
+              </h2>
+              
+              <p className="text-body-lg text-cream/90 mb-8 leading-relaxed">
+                Our experienced CPA team can help you develop a comprehensive personal finance strategy and understand the best approach for your financial situation.
+              </p>
+              
+              <Button 
+                size="lg" 
+                variant="outline"
+                className="bg-cream text-forest hover:bg-cream/90 border-cream btn-shadow text-lg px-8 py-3 rounded-2xl"
+              >
+                Schedule Personal Finance Consultation
+              </Button>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default FinancialToolsPersonalFinance;

src/pages/FinancialToolsRetirement.tsx

@@ -0,0 +1,356 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { PiggyBank, ExternalLink, ArrowLeft } from "lucide-react";
+import { Link } from "react-router-dom";
+
+const FinancialToolsRetirement = () => {
+  // Mapping der Tool-Namen zu ihren URLs
+  const getToolUrl = (toolName: string): string => {
+    const toolUrlMap: { [key: string]: string } = {
+      "401(k) Calculator": "https://www.cchwebsites.com/content/calculators/Retire401k.html",
+      "401(k) Savings with Profit Sharing": "https://www.cchwebsites.com/content/calculators/Retire401kProfitShare.html",
+      "401(k) Spend It or Save It Calculator": "https://www.cchwebsites.com/content/calculators/Rollover401k.html",
+      "403(b) Savings Calculator": "https://www.cchwebsites.com/content/calculators/Retire403b.html",
+      "457 Plan Contribution Effects on Your Paycheck": "https://www.cchwebsites.com/content/calculators/RetirePayrollSavings457.html",
+      "457 Plan Withdrawal": "https://www.cchwebsites.com/content/calculators/RetirementWithdrawal457.html",
+      "457 Plan: Roth vs. Pre-tax": "https://www.cchwebsites.com/content/calculators/RothvsTraditional457.html",
+      "457 Savings Calculator": "https://www.cchwebsites.com/content/calculators/Retire457.html",
+      "72(t) Calculator": "https://www.cchwebsites.com/content/calculators/Retire72T.html",
+      "72(t) Distribution Impact": "https://www.cchwebsites.com/content/calculators/Retire72Alt.html",
+      "Beneficiary Required Minimum Distributions": "https://www.cchwebsites.com/content/calculators/RetireBeneficiary.html",
+      "Company Stock Distribution Analysis Calculator": "https://www.cchwebsites.com/content/calculators/StockRollover401k.html",
+      "How Important is Social Security?": "https://www.cchwebsites.com/content/calculators/NoSocial.html",
+      "How long will my retirement savings last?": "https://www.cchwebsites.com/content/calculators/RetirementDistribution.html",
+      "Individual 401(k) Contribution Comparison": "https://www.cchwebsites.com/content/calculators/Individual401kContribution.html",
+      "Individual 401(k) Savings Calculator": "https://www.cchwebsites.com/content/calculators/RetireSolo401k.html",
+      "IRA Spend It or Save It Calculator": "https://www.cchwebsites.com/content/calculators/RolloverIRA.html",
+      "Pension Plan Retirement Options": "https://www.cchwebsites.com/content/calculators/PensionOptions.html",
+      "Required Minimum Distribution (RMD)": "https://www.cchwebsites.com/content/calculators/RetireDistrib.html",
+      "Required Minimum Distribution (RMD) for Current Year": "https://www.cchwebsites.com/content/calculators/RetireDistrib3.html",
+      "Retirement Account Contribution Accelerator": "https://www.cchwebsites.com/content/calculators/RetirePayrollSavings.html",
+      "Retirement Contribution Effects on Your Paycheck": "https://www.cchwebsites.com/content/calculators/RetirementIncome.html",
+      "Retirement Income": "https://www.cchwebsites.com/content/calculators/RetirementNestegg.html",
+      "Retirement Nestegg Calculator": "https://www.cchwebsites.com/content/calculators/RetirementPlan3.html",
+      "Retirement Pension Planner": "https://www.cchwebsites.com/content/calculators/RetirementWithdrawal.html",
+      "Retirement Plan Withdrawal": "https://www.cchwebsites.com/content/calculators/RetirementPlan.html",
+      "Retirement Planner": "https://www.cchwebsites.com/content/calculators/RetirementPlan4.html",
+      "Retirement Planner with Retirement Earnings": "https://www.cchwebsites.com/content/calculators/RetireShort.html",
+      "Retirement Shortfall": "https://www.cchwebsites.com/content/calculators/StretchIRA.html",
+      "RMD & Stretch IRA Calculator": "https://www.cchwebsites.com/content/calculators/RothvsPreTaxAccount.html",
+      "Roth (after-tax) Account or Pre-Tax Account?": "https://www.cchwebsites.com/content/calculators/RothvsTraditional401k.html",
+      "Roth 401(k) vs. Traditional 401(k)": "https://www.cchwebsites.com/content/calculators/RothvsTraditional403b.html",
+      "Roth 403(b) vs. Traditional 403(b)": "https://www.cchwebsites.com/content/calculators/RothIRA.html",
+      "Roth IRA Calculator": "https://www.cchwebsites.com/content/calculators/RothTransfer.html",
+      "Roth IRA Conversion": "https://www.cchwebsites.com/content/calculators/RothConversion.html",
+      "Roth IRA Conversion with Distributions": "https://www.cchwebsites.com/content/calculators/RothvsRegular.html",
+      "Roth IRA vs. Traditional IRA": "https://www.cchwebsites.com/content/calculators/Compare401k2.html",
+      "Roth vs. Traditional 401(k) and your Paycheck": "https://www.cchwebsites.com/content/calculators/Borrow401k.html",
+      "Should you Borrow From a 401(k) or 403(b)?": "https://www.cchwebsites.com/content/calculators/SocialSecurity.html",
+      "Social Security Benefits": "https://www.cchwebsites.com/content/calculators/RegularIRA.html",
+      "Traditional IRA Calculator": "https://www.cchwebsites.com/content/calculators/RegularIRA.html"
+    };
+    
+    return toolUrlMap[toolName] || "#";
+  };
+
+  const handleToolClick = (toolName: string) => {
+    const url = getToolUrl(toolName);
+    if (url !== "#") {
+      window.open(url, '_blank', 'noopener,noreferrer');
+    }
+  };
+
+  const retirementTools = [
+    {
+      name: "401(k) Calculator",
+      description: "A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up."
+    },
+    {
+      name: "401(k) Savings with Profit Sharing",
+      description: "Use this calculator to how a 401(k) with profit sharing plan can help you save for retirement.."
+    },
+    {
+      name: "401(k) Spend It or Save It Calculator",
+      description: "There are several ways to manage your 401(k) when you leave an employer. Making the wrong decision can cost you thousands of dollars both in taxes and lost earnings."
+    },
+    {
+      name: "403(b) Savings Calculator",
+      description: "If you are an employee of a non-profit tax-exempt organization, a 403(b) can be one of your best tools for creating a secure retirement."
+    },
+    {
+      name: "457 Plan Contribution Effects on Your Paycheck",
+      description: "Use this calculator to see how increasing your contributions to a 457 plan can affect your paycheck as well as your retirement."
+    },
+    {
+      name: "457 Plan Withdrawal",
+      description: "Use this calculator to see what your net 457 plan withdrawal would be after taxes are taken into account."
+    },
+    {
+      name: "457 Plan: Roth vs. Pre-tax",
+      description: "Use this calculator to help determine whether a Roth or Pre-tax 457 might be best for you."
+    },
+    {
+      name: "457 Savings Calculator",
+      description: "A 457 plan can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up."
+    },
+    {
+      name: "72(t) Calculator",
+      description: "The IRS Rule 72T allows for penalty free, early withdrawals from retirement accounts. Use this calculator to determine your allowable 72T Distribution and how it can help fund your early retirement."
+    },
+    {
+      name: "72(t) Distribution Impact",
+      description: "This calculator is designed to examine the affects of 72T distributions on your retirement plan balance."
+    },
+    {
+      name: "Beneficiary Required Minimum Distributions",
+      description: "Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account."
+    },
+    {
+      name: "Company Stock Distribution Analysis Calculator",
+      description: "If you own company stock in a retirement plan you may be able to take advantage of using the long term capital gains tax rate rather than your ordinary income tax rate on this investment."
+    },
+    {
+      name: "How Important is Social Security?",
+      description: "Use this calculator to determine how losing this important retirement asset could affect you."
+    },
+    {
+      name: "How long will my retirement savings last?",
+      description: "Use this calculator to see how long your retirement savings will last based on your retirement savings and your inflation adjusted withdrawals."
+    },
+    {
+      name: "Individual 401(k) Contribution Comparison",
+      description: "Use this calculator to determine your maximum Individual 401(k) contribution as compared to three other possible plan options."
+    },
+    {
+      name: "Individual 401(k) Savings Calculator",
+      description: "Use this calculator to see the benefits of an Individual 401(k) for the self-employed."
+    },
+    {
+      name: "IRA Spend It or Save It Calculator",
+      description: "Spending your IRA before your retire can be a costly decision. See how taking your out IRA early could cost you thousands of dollars both in taxes and lost earnings."
+    },
+    {
+      name: "Pension Plan Retirement Options",
+      description: "Use this calculator to help decide between joint survivorship and single survivorship pension options."
+    },
+    {
+      name: "Required Minimum Distribution (RMD)",
+      description: "Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account. This financial calculator will also look at potential future year's distribution requirements."
+    },
+    {
+      name: "Required Minimum Distribution (RMD) for Current Year",
+      description: "Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account for the current year."
+    },
+    {
+      name: "Retirement Account Contribution Accelerator",
+      description: "Use this calculator to see how increasing your contributions to qualified retirement plan help save for your retirement."
+    },
+    {
+      name: "Retirement Contribution Effects on Your Paycheck",
+      description: "Use this calculator to see how increasing your contributions to a 401(k), 403(b) or 457 plan can affect your paycheck as well as your retirement."
+    },
+    {
+      name: "Retirement Income",
+      description: "Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement."
+    },
+    {
+      name: "Retirement Nestegg Calculator",
+      description: "Do you know how much it takes to create a secure retirement? Use this calculator to help determine what size your retirement nestegg should be."
+    },
+    {
+      name: "Retirement Pension Planner",
+      description: "Plan your retirement with a company pension, find out if you are on track - and learn how to stay there."
+    },
+    {
+      name: "Retirement Plan Withdrawal",
+      description: "Use this calculator to see what your net withdrawal would be after taxes and penalties are taken into account."
+    },
+    {
+      name: "Retirement Planner",
+      description: "Quickly determine if your retirement plan is on track - and learn how to keep it there."
+    },
+    {
+      name: "Retirement Planner with Retirement Earnings",
+      description: "Plan your retirement with pension and possible retirement employment income. Find out if you are on track - and learn how to stay there."
+    },
+    {
+      name: "Retirement Shortfall",
+      description: "Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your current retirement savings plan."
+    },
+    {
+      name: "RMD & Stretch IRA Calculator",
+      description: "Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible."
+    },
+    {
+      name: "Roth (after-tax) Account or Pre-Tax Account?",
+      description: "Starting in 2006, you may have the option to contribute to Roth account. Use this calculator to help determine which retirement plan option might be best for you."
+    },
+    {
+      name: "Roth 401(k) vs. Traditional 401(k)",
+      description: "Use this calculator to determine which 401(k) contribution type might be right for you."
+    },
+    {
+      name: "Roth 403(b) vs. Traditional 403(b)",
+      description: "Use this calculator to determine which 403(b) contribution type might be right for you"
+    },
+    {
+      name: "Roth IRA Calculator",
+      description: "Use this calculator to compare the Roth IRA to an ordinary taxable investment."
+    },
+    {
+      name: "Roth IRA Conversion",
+      description: "This calculator will show the advantage, if any, of converting your IRA to a Roth."
+    },
+    {
+      name: "Roth IRA Conversion with Distributions",
+      description: "Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible."
+    },
+    {
+      name: "Roth IRA vs. Traditional IRA",
+      description: "Use this calculator to determine which IRA may be right for you."
+    },
+    {
+      name: "Roth vs. Traditional 401(k) and your Paycheck",
+      description: "See how a Roth vs. Traditional 401(k) might affect your take home pay as well as your retirement savings."
+    },
+    {
+      name: "Should you Borrow From a 401(k) or 403(b)?",
+      description: "The majority of 401(k) plans and a growing number of 403(b) plans let you borrow money from your account. Use this calculator to help you determine if you should borrow, and the potential impact on your retirement savings."
+    },
+    {
+      name: "Social Security Benefits",
+      description: "Use this calculator to estimate your Social Security benefits."
+    },
+    {
+      name: "Traditional IRA Calculator",
+      description: "How can contributing to a regular IRA help you in your retirement?"
+    }
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section
+          className="py-24 bg-gradient-subtle relative"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/financial-tools" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Financial Tools</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <PiggyBank className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Retirement Tools
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Retirement planning and savings calculators to help you secure your financial future
+                  </p>
+                </div>
+              </div>
+              
+              <div className="bg-white/95 rounded-2xl p-6 card-elevation">
+                <p className="text-forest text-sm">
+                  <strong>Disclaimer:</strong> While these financial tools are not a substitute for financial advice from a qualified professional, they can be used as a starting point in the decision making process.
+                </p>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Retirement Tools Grid */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-6xl mx-auto">
+              <div className="grid md:grid-cols-2 lg:grid-cols-3 gap-6">
+                {retirementTools.map((tool, index) => (
+                  <Card 
+                    key={index} 
+                    className="rounded-xl card-elevation hover:shadow-lg gentle-transition cursor-pointer h-full"
+                    onClick={() => handleToolClick(tool.name)}
+                  >
+                    <CardContent className="p-6 h-full flex flex-col">
+                      <div className="flex items-start justify-between mb-4">
+                        <div className="w-12 h-12 bg-brass/20 rounded-xl flex items-center justify-center flex-shrink-0">
+                          <PiggyBank className="w-6 h-6 text-brass" strokeWidth={1.5} />
+                        </div>
+                        <ExternalLink className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                      </div>
+                      
+                      <h3 className="text-display-sm font-display font-semibold text-forest mb-3 leading-tight">
+                        {tool.name}
+                      </h3>
+                      
+                      <p className="text-sage text-sm leading-relaxed flex-grow">
+                        {tool.description}
+                      </p>
+                      
+                      <div className="mt-4 pt-4 border-t border-sage/20">
+                        <Button 
+                          variant="outline" 
+                          size="sm" 
+                          className="w-full text-brass border-brass hover:bg-brass hover:text-cream"
+                        >
+                          Use Calculator
+                        </Button>
+                      </div>
+                    </CardContent>
+                  </Card>
+                ))}
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* CTA Section */}
+        <section className="py-24 bg-gradient-hero">
+          <div className="container mx-auto px-4 text-center">
+            <div className="max-w-3xl mx-auto">
+              <h2 className="text-display-lg font-display font-semibold text-cream mb-6">
+                Need Help with Retirement Planning?
+              </h2>
+              
+              <p className="text-body-lg text-cream/90 mb-8 leading-relaxed">
+                Our experienced CPA team can help you develop a comprehensive retirement strategy and understand the best approach for your financial future.
+              </p>
+              
+              <Button 
+                size="lg" 
+                variant="outline"
+                className="bg-cream text-forest hover:bg-cream/90 border-cream btn-shadow text-lg px-8 py-3 rounded-2xl"
+              >
+                Schedule Retirement Consultation
+              </Button>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default FinancialToolsRetirement;

src/pages/FinancialToolsSavings.tsx

@@ -0,0 +1,241 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { DollarSign, ExternalLink, ArrowLeft } from "lucide-react";
+import { Link } from "react-router-dom";
+
+const FinancialToolsSavings = () => {
+  // Mapping der Tool-Namen zu ihren URLs
+  const getToolUrl = (toolName: string): string => {
+    const toolUrlMap: { [key: string]: string } = {
+      "Benefit of Spending Less": "https://www.cchwebsites.com/content/calculators/SpendLess.html",
+      "CD Ladder Calculator": "https://www.cchwebsites.com/content/calculators/CDLadder.html",
+      "Certificate of Deposit Calculator": "https://www.cchwebsites.com/content/calculators/CertDeposit.html",
+      "College Savings": "https://www.cchwebsites.com/content/calculators/CollegeSavings.html",
+      "Compare Savings Rates": "https://www.cchwebsites.com/content/calculators/CompareSavings.html",
+      "Compound Savings Calculator": "https://www.cchwebsites.com/content/calculators/CompoundSavings.html",
+      "Compounding and Your Return": "https://www.cchwebsites.com/content/calculators/CompoundInterest.html",
+      "Cool Million": "https://www.cchwebsites.com/content/calculators/Millionaire.html",
+      "Credit Union Certificate Calculator": "https://www.cchwebsites.com/content/calculators/CUDeposit.html",
+      "Credit Union Certificate Ladder Calculator": "https://www.cchwebsites.com/content/calculators/CertificateLadder.html",
+      "Don't Delay Your Savings!": "https://www.cchwebsites.com/content/calculators/WaitCost.html",
+      "Emergency Savings Calculator": "https://www.cchwebsites.com/content/calculators/Emergency.html",
+      "Home Buyer Savings Calculator": "https://www.cchwebsites.com/content/calculators/HomeBuyerSavings.html",
+      "Lunch Savings": "https://www.cchwebsites.com/content/calculators/LunchSaver.html",
+      "Savings Distribution Calculator": "https://www.cchwebsites.com/content/calculators/DistribSavings.html",
+      "Savings Goals": "https://www.cchwebsites.com/content/calculators/Savings.html",
+      "Savings, Taxes, and Inflation": "https://www.cchwebsites.com/content/calculators/SavingsVariables.html",
+      "Vice Savings": "https://www.cchwebsites.com/content/calculators/ViceSaver.html"
+    };
+    
+    return toolUrlMap[toolName] || "#";
+  };
+
+  const handleToolClick = (toolName: string) => {
+    const url = getToolUrl(toolName);
+    if (url !== "#") {
+      window.open(url, '_blank', 'noopener,noreferrer');
+    }
+  };
+
+  const savingsTools = [
+    {
+      name: "Benefit of Spending Less",
+      description: "Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth."
+    },
+    {
+      name: "CD Ladder Calculator",
+      description: "Use this calculator to examine the benefits of investing in a series of Certificates of Deposits with different maturities, also called a CD Ladder."
+    },
+    {
+      name: "Certificate of Deposit Calculator",
+      description: "Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD)."
+    },
+    {
+      name: "College Savings",
+      description: "Use this calculator to help develop or fine tune your education savings plan."
+    },
+    {
+      name: "Compare Savings Rates",
+      description: "Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can impact your savings strategy!"
+    },
+    {
+      name: "Compound Savings Calculator",
+      description: "Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth."
+    },
+    {
+      name: "Compounding and Your Return",
+      description: "This calculator demonstrates how compounding can affect your savings."
+    },
+    {
+      name: "Cool Million",
+      description: "Find out when your savings plan may make you a millionaire!"
+    },
+    {
+      name: "Credit Union Certificate Calculator",
+      description: "Use this calculator to find out how much you can earn on a Certificate. Just enter a few pieces of information and we will calculate your Annual Percentage Yield (APY) and ending balance."
+    },
+    {
+      name: "Credit Union Certificate Ladder Calculator",
+      description: "Use this calculator to examine the benefits of investing in a series of Certificates with different maturities, also called a Certificate Ladder."
+    },
+    {
+      name: "Don't Delay Your Savings!",
+      description: "Waiting to begin your savings plan can have a huge impact on your results. This calculator helps show you how much postponing your savings plan can really cost."
+    },
+    {
+      name: "Emergency Savings Calculator",
+      description: "This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal."
+    },
+    {
+      name: "Home Buyer Savings Calculator",
+      description: "Use this tool to help you calculate what it might take to save for your new house."
+    },
+    {
+      name: "Lunch Savings",
+      description: "Use this calculator to see how a simple change such as bringing a bagged lunch to work can really add up."
+    },
+    {
+      name: "Savings Distribution Calculator",
+      description: "Use this calculator to determine savings balance after a series monthly, quarterly or annual withdrawals."
+    },
+    {
+      name: "Savings Goals",
+      description: "What will it take to reach your savings goal? This financial calculator helps you find out."
+    },
+    {
+      name: "Savings, Taxes, and Inflation",
+      description: "Use this calculator to determine how much your savings will be worth with these two important variables in mind."
+    },
+    {
+      name: "Vice Savings",
+      description: "Use this calculator to see how a simple changes in your spending habits for common vices such as smoking, drinking or even eating out can really add up."
+    }
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section
+          className="py-24 bg-gradient-subtle relative"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/financial-tools" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Financial Tools</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <DollarSign className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Savings Tools
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Savings planning and goal calculators to help you build wealth over time
+                  </p>
+                </div>
+              </div>
+              
+              <div className="bg-white/95 rounded-2xl p-6 card-elevation">
+                <p className="text-forest text-sm">
+                  <strong>Disclaimer:</strong> While these financial tools are not a substitute for financial advice from a qualified professional, they can be used as a starting point in the decision making process.
+                </p>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Savings Tools Grid */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-6xl mx-auto">
+              <div className="grid md:grid-cols-2 lg:grid-cols-3 gap-6">
+                {savingsTools.map((tool, index) => (
+                  <Card 
+                    key={index} 
+                    className="rounded-xl card-elevation hover:shadow-lg gentle-transition cursor-pointer h-full"
+                    onClick={() => handleToolClick(tool.name)}
+                  >
+                    <CardContent className="p-6 h-full flex flex-col">
+                      <div className="flex items-start justify-between mb-4">
+                        <div className="w-12 h-12 bg-brass/20 rounded-xl flex items-center justify-center flex-shrink-0">
+                          <DollarSign className="w-6 h-6 text-brass" strokeWidth={1.5} />
+                        </div>
+                        <ExternalLink className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                      </div>
+                      
+                      <h3 className="text-display-sm font-display font-semibold text-forest mb-3 leading-tight">
+                        {tool.name}
+                      </h3>
+                      
+                      <p className="text-sage text-sm leading-relaxed flex-grow">
+                        {tool.description}
+                      </p>
+                      
+                      <div className="mt-4 pt-4 border-t border-sage/20">
+                        <Button 
+                          variant="outline" 
+                          size="sm" 
+                          className="w-full text-brass border-brass hover:bg-brass hover:text-cream"
+                        >
+                          Use Calculator
+                        </Button>
+                      </div>
+                    </CardContent>
+                  </Card>
+                ))}
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* CTA Section */}
+        <section className="py-24 bg-gradient-hero">
+          <div className="container mx-auto px-4 text-center">
+            <div className="max-w-3xl mx-auto">
+              <h2 className="text-display-lg font-display font-semibold text-cream mb-6">
+                Need Help with Savings Planning?
+              </h2>
+              
+              <p className="text-body-lg text-cream/90 mb-8 leading-relaxed">
+                Our experienced CPA team can help you develop a comprehensive savings strategy and understand the best approach for your financial goals.
+              </p>
+              
+              <Button 
+                size="lg" 
+                variant="outline"
+                className="bg-cream text-forest hover:bg-cream/90 border-cream btn-shadow text-lg px-8 py-3 rounded-2xl"
+              >
+                Schedule Savings Consultation
+              </Button>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default FinancialToolsSavings;

src/pages/FinancialToolsTax.tsx

@@ -0,0 +1,206 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { Calculator, ExternalLink, ArrowLeft } from "lucide-react";
+import { Link } from "react-router-dom";
+
+const FinancialToolsTax = () => {
+  // Mapping der Tool-Namen zu ihren URLs
+  const getToolUrl = (toolName: string): string => {
+    const toolUrlMap: { [key: string]: string } = {
+      "1040 Tax Calculator": "https://www.cchwebsites.com/content/calculators/Tax1040.html",
+      "457 Payroll Deductions": "https://www.cchwebsites.com/content/calculators/457Payroll.html",
+      "Earned Income Credit (EIC) Calculator": "https://www.cchwebsites.com/content/calculators/EarnedIncomeCredit.html",
+      "Estate Tax Planning": "https://www.cchwebsites.com/content/calculators/EstatePlan.html",
+      "Flexible Spending Account (FSA) Calculator": "https://www.cchwebsites.com/content/calculators/Payroll125.html",
+      "Hourly Paycheck Calculator": "https://www.cchwebsites.com/content/calculators/PayrollHourly.html",
+      "Marginal Tax Rate Calculator": "https://www.cchwebsites.com/content/calculators/TaxMargin.html",
+      "Net to Gross Paycheck Calculator": "https://www.cchwebsites.com/content/calculators/PayrollGross.html",
+      "Payroll Deductions Calculator": "https://www.cchwebsites.com/content/calculators/Payroll.html",
+      "Self-Employment Tax Calculator": "https://www.cchwebsites.com/content/calculators/TaxSelfEmployment.html",
+      "U.S. 1040EZ Tax Form Calculator": "https://www.cchwebsites.com/content/calculators/TaxEZ1040.html"
+    };
+    
+    return toolUrlMap[toolName] || "#";
+  };
+
+  const handleToolClick = (toolName: string) => {
+    const url = getToolUrl(toolName);
+    if (url !== "#") {
+      window.open(url, '_blank', 'noopener,noreferrer');
+    }
+  };
+
+  const taxTools = [
+    {
+      name: "1040 Tax Calculator",
+      description: "Enter your filing status, income, deductions and credits and we will estimate your total tax. Based on your projected withholdings for the year, we can also estimate your tax refund or amount you may owe the IRS next April."
+    },
+    {
+      name: "457 Payroll Deductions",
+      description: "Use this calculator to help you determine the impact of changing your payroll deductions."
+    },
+    {
+      name: "Earned Income Credit (EIC) Calculator",
+      description: "Use this calculator to determine if you qualify for the Earned Income Credit and if so, how much it might be worth."
+    },
+    {
+      name: "Estate Tax Planning",
+      description: "Knowing your potential estate tax liability is a great place to start your estate tax plan. Use this calculator to estimate your estate tax liability."
+    },
+    {
+      name: "Flexible Spending Account (FSA) Calculator",
+      description: "Use this calculator to see how participating in Flexible Spending Account (FSA) contributions can help you pay less tax, and increase your net take home pay."
+    },
+    {
+      name: "Hourly Paycheck Calculator",
+      description: "Use this calculator to help you determine your paycheck for hourly wages."
+    },
+    {
+      name: "Marginal Tax Rate Calculator",
+      description: "Use this calculator to determine your marginal and effective tax rates. This calculator sorts through the tax brackets and filing options to calculate your true tax liability."
+    },
+    {
+      name: "Net to Gross Paycheck Calculator",
+      description: "Determine the gross paycheck needed to provide a required net amount."
+    },
+    {
+      name: "Payroll Deductions Calculator",
+      description: "Use this calculator to help you determine the impact of changing your payroll deductions."
+    },
+    {
+      name: "Self-Employment Tax Calculator",
+      description: "If you are self-employed, operate a farm or are a church employee use this calculator to determine your self-employment taxes for tax year 2019."
+    },
+    {
+      name: "U.S. 1040EZ Tax Form Calculator",
+      description: "Many people can use the 1040EZ tax form instead of the more complicated 1040 to calculate their taxes. Containing only seven required inputs, the 1040EZ is one of the quickest forms to calculate your tax bill."
+    }
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section
+          className="py-24 bg-gradient-subtle relative"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/financial-tools" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Financial Tools</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <Calculator className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Tax Tools
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Tax planning and calculation tools to help you understand your tax obligations
+                  </p>
+                </div>
+              </div>
+              
+              <div className="bg-white/95 rounded-2xl p-6 card-elevation">
+                <p className="text-forest text-sm">
+                  <strong>Disclaimer:</strong> While these financial tools are not a substitute for financial advice from a qualified professional, they can be used as a starting point in the decision making process.
+                </p>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Tax Tools Grid */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-6xl mx-auto">
+              <div className="grid md:grid-cols-2 lg:grid-cols-3 gap-6">
+                {taxTools.map((tool, index) => (
+                  <Card 
+                    key={index} 
+                    className="rounded-xl card-elevation hover:shadow-lg gentle-transition cursor-pointer h-full"
+                    onClick={() => handleToolClick(tool.name)}
+                  >
+                    <CardContent className="p-6 h-full flex flex-col">
+                      <div className="flex items-start justify-between mb-4">
+                        <div className="w-12 h-12 bg-brass/20 rounded-xl flex items-center justify-center flex-shrink-0">
+                          <Calculator className="w-6 h-6 text-brass" strokeWidth={1.5} />
+                        </div>
+                        <ExternalLink className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                      </div>
+                      
+                      <h3 className="text-display-sm font-display font-semibold text-forest mb-3 leading-tight">
+                        {tool.name}
+                      </h3>
+                      
+                      <p className="text-sage text-sm leading-relaxed flex-grow">
+                        {tool.description}
+                      </p>
+                      
+                      <div className="mt-4 pt-4 border-t border-sage/20">
+                        <Button 
+                          variant="outline" 
+                          size="sm" 
+                          className="w-full text-brass border-brass hover:bg-brass hover:text-cream"
+                        >
+                          Use Calculator
+                        </Button>
+                      </div>
+                    </CardContent>
+                  </Card>
+                ))}
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* CTA Section */}
+        <section className="py-24 bg-gradient-hero">
+          <div className="container mx-auto px-4 text-center">
+            <div className="max-w-3xl mx-auto">
+              <h2 className="text-display-lg font-display font-semibold text-cream mb-6">
+                Need Help with Tax Planning?
+              </h2>
+              
+              <p className="text-body-lg text-cream/90 mb-8 leading-relaxed">
+                Our experienced CPA team can help you understand your tax obligations and develop a comprehensive tax strategy to minimize your tax burden.
+              </p>
+              
+              <Button 
+                size="lg" 
+                variant="outline"
+                className="bg-cream text-forest hover:bg-cream/90 border-cream btn-shadow text-lg px-8 py-3 rounded-2xl"
+              >
+                Schedule Tax Consultation
+              </Button>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default FinancialToolsTax;

src/pages/Index.tsx

@@ -3,9 +3,9 @@ import Hero from "@/components/Hero";
 import WhyChooseUs from "@/components/WhyChooseUs";
 import Services from "@/components/Services";
 import Testimonials from "@/components/Testimonials";
-import LeadMagnet from "@/components/LeadMagnet";
 import CtaSection from "@/components/CtaSection";
 import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
 
 const Index = () => {
   return (
@@ -16,10 +16,10 @@ const Index = () => {
         <WhyChooseUs />
         <Services />
         <Testimonials />
-        <LeadMagnet />
         <CtaSection />
       </main>
       <Footer />
+      <ScrollToTop />
     </div>
   );
 };

src/pages/InfoCenter.tsx

@@ -1,5 +1,6 @@
 import Navigation from "@/components/Navigation";
 import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
 import { Card, CardContent } from "@/components/ui/card";
 import { Button } from "@/components/ui/button";
 import { 
@@ -41,12 +42,21 @@ const InfoCenter = () => {
       <Navigation />
       <main className="pt-16">
         {/* Hero Section */}
-        <section className="py-24 bg-gradient-subtle">
+        <section 
-          <div className="container mx-auto px-4 text-center">
+          className="relative py-24 flex items-center justify-center text-center"
-            <h1 className="text-display-xl font-display font-bold text-forest mb-6">
+          style={{
+            backgroundImage: "url('/lovable-uploads/f8f08a1a-0132-4376-af8a-c5bb86f0627e.png')",
+            backgroundSize: "90% 80%",
+            backgroundPosition: "center",
+            backgroundRepeat: "no-repeat"
+          }}
+        >
+          <div className="absolute inset-0 bg-forest/60"></div>
+          <div className="relative z-10 container mx-auto px-4 text-center">
+            <h1 className="text-display-xl font-display font-bold text-cream mb-6">
               Info Center
             </h1>
-            <p className="text-body-lg text-sage max-w-3xl mx-auto">
+            <p className="text-body-lg text-cream/90 max-w-3xl mx-auto">
               Stay organized and informed with our comprehensive tax calendar, client organizer, and access to essential IRS forms and publications.
             </p>
           </div>
@@ -266,6 +276,7 @@ const InfoCenter = () => {
         </section>
       </main>
       <Footer />
+      <ScrollToTop />
     </div>
   );
 };

src/pages/Links.tsx

@@ -1,5 +1,6 @@
 import Navigation from "@/components/Navigation";
 import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
 import { Card, CardContent } from "@/components/ui/card";
 import { Button } from "@/components/ui/button";
 import { 
@@ -124,12 +125,21 @@ const Links = () => {
       <Navigation />
       <main className="pt-16">
         {/* Hero Section */}
-        <section className="py-24 bg-gradient-subtle">
+        <section 
-          <div className="container mx-auto px-4 text-center">
+          className="relative py-24 flex items-center justify-center text-center"
-            <h1 className="text-display-xl font-display font-bold text-forest mb-6">
+          style={{
+            backgroundImage: "url('/lovable-uploads/f8f08a1a-0132-4376-af8a-c5bb86f0627e.png')",
+            backgroundSize: "90% 80%",
+            backgroundPosition: "center",
+            backgroundRepeat: "no-repeat"
+          }}
+        >
+          <div className="absolute inset-0 bg-forest/60"></div>
+          <div className="relative z-10 container mx-auto px-4 text-center">
+            <h1 className="text-display-xl font-display font-bold text-cream mb-6">
               Links
             </h1>
-            <p className="text-body-lg text-sage max-w-3xl mx-auto">
+            <p className="text-body-lg text-cream/90 max-w-3xl mx-auto">
               There are many great sites on the Web, but trying to find those great sites can be a frustrating experience. We have compiled a list of websites that we have found to be helpful sources of information. When you click on a link, a new window will pop up. Close the window when you are ready to return to this page.
             </p>
           </div>
@@ -308,6 +318,7 @@ const Links = () => {
         </section>
       </main>
       <Footer />
+      <ScrollToTop />
     </div>
   );
 };

src/pages/Newsletters.tsx

@@ -1,5 +1,6 @@
 import Navigation from "@/components/Navigation";
 import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
 import { Card, CardContent } from "@/components/ui/card";
 import { Button } from "@/components/ui/button";
 import { Badge } from "@/components/ui/badge";
@@ -134,12 +135,21 @@ const Newsletters = () => {
       <Navigation />
       <main className="pt-16">
         {/* Hero Section */}
-        <section className="py-24 bg-gradient-subtle">
+        <section 
-          <div className="container mx-auto px-4 text-center">
+          className="relative py-24 flex items-center justify-center text-center"
-            <h1 className="text-display-xl font-display font-bold text-forest mb-6">
+          style={{
+            backgroundImage: "url('/lovable-uploads/f8f08a1a-0132-4376-af8a-c5bb86f0627e.png')",
+            backgroundSize: "90% 80%",
+            backgroundPosition: "center",
+            backgroundRepeat: "no-repeat"
+          }}
+        >
+          <div className="absolute inset-0 bg-forest/60"></div>
+          <div className="relative z-10 container mx-auto px-4 text-center">
+            <h1 className="text-display-xl font-display font-bold text-cream mb-6">
               Newsletters
             </h1>
-            <p className="text-body-lg text-sage max-w-3xl mx-auto">
+            <p className="text-body-lg text-cream/90 max-w-3xl mx-auto">
               Stay informed with the latest tax alerts, briefings, and updates. Our comprehensive coverage ensures you're always up-to-date with the most important tax developments affecting your financial situation.
             </p>
           </div>
@@ -314,6 +324,7 @@ const Newsletters = () => {
         </section>
       </main>
       <Footer />
+      <ScrollToTop />
     </div>
   );
 };

src/pages/PrivacyPolicy.tsx

@@ -0,0 +1,237 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Shield, Lock, Eye, UserCheck } from "lucide-react";
+
+const PrivacyPolicy = () => {
+  const lastUpdated = "September 11, 2025";
+
+  const principles = [
+    {
+      icon: Shield,
+      title: "Data Protection",
+      description: "We implement robust security measures to protect your personal and financial information."
+    },
+    {
+      icon: Lock,
+      title: "Confidentiality",
+      description: "Your information is kept strictly confidential and never shared without your explicit consent."
+    },
+    {
+      icon: Eye,
+      title: "Transparency",
+      description: "We are clear about what information we collect and how we use it to serve you better."
+    },
+    {
+      icon: UserCheck,
+      title: "Your Rights",
+      description: "You have full control over your personal information and can request changes at any time."
+    }
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Banner */}
+        <section className="relative py-24 bg-forest text-cream">
+          <div className="container mx-auto px-4">
+            <div className="max-w-4xl mx-auto text-center">
+              <h1 className="text-display-xl font-display font-bold mb-6">
+                Privacy Policy
+              </h1>
+              <p className="text-body-lg text-cream/90 max-w-2xl mx-auto">
+                Your privacy and the security of your personal information are fundamental to our practice.
+              </p>
+              <p className="text-sm text-cream/70 mt-4">
+                Last updated: {lastUpdated}
+              </p>
+            </div>
+          </div>
+        </section>
+
+        {/* Privacy Principles */}
+        <section className="py-16 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-6xl mx-auto">
+              <h2 className="text-display-lg font-display font-semibold text-forest mb-12 text-center">
+                Our Privacy Principles
+              </h2>
+              
+              <div className="grid md:grid-cols-2 lg:grid-cols-4 gap-8 mb-16">
+                {principles.map((principle, index) => (
+                  <div key={index} className="text-center">
+                    <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center mx-auto mb-6">
+                      <principle.icon className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                    </div>
+                    <h3 className="text-display-md font-display font-medium text-forest mb-4">
+                      {principle.title}
+                    </h3>
+                    <p className="text-sage leading-relaxed">
+                      {principle.description}
+                    </p>
+                  </div>
+                ))}
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Privacy Policy Content */}
+        <section className="py-16 bg-muted/30">
+          <div className="container mx-auto px-4">
+            <div className="max-w-4xl mx-auto">
+              <div className="bg-card rounded-2xl p-8 card-elevation space-y-8">
+                
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-4">
+                    Information We Collect
+                  </h2>
+                  <div className="prose prose-lg text-sage space-y-4">
+                    <p>
+                      In order to provide comprehensive accounting and tax services, we may collect the following types of information:
+                    </p>
+                    <ul className="list-disc pl-6 space-y-2">
+                      <li><strong>Personal Information:</strong> Name, address, phone number, email address, Social Security number, date of birth</li>
+                      <li><strong>Financial Information:</strong> Income statements, tax documents, bank account information, investment details</li>
+                      <li><strong>Business Information:</strong> Business registration details, financial statements, payroll information</li>
+                      <li><strong>Communication Records:</strong> Email correspondence, phone call records, meeting notes</li>
+                    </ul>
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-4">
+                    How We Use Your Information
+                  </h2>
+                  <div className="prose prose-lg text-sage space-y-4">
+                    <p>We use your information solely for legitimate business purposes, including:</p>
+                    <ul className="list-disc pl-6 space-y-2">
+                      <li>Preparing and filing tax returns</li>
+                      <li>Providing accounting and bookkeeping services</li>
+                      <li>Offering financial planning and business consulting</li>
+                      <li>Communicating about your account and services</li>
+                      <li>Complying with legal and regulatory requirements</li>
+                      <li>Improving our services based on your needs</li>
+                    </ul>
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-4">
+                    Information Sharing and Disclosure
+                  </h2>
+                  <div className="prose prose-lg text-sage space-y-4">
+                    <p>
+                      We do not sell, trade, or otherwise transfer your personal information to third parties without your consent, except in the following limited circumstances:
+                    </p>
+                    <ul className="list-disc pl-6 space-y-2">
+                      <li><strong>Professional Services:</strong> We may share information with other professional service providers (attorneys, financial planners) when working on your behalf</li>
+                      <li><strong>Legal Requirements:</strong> When required by law, regulation, or court order</li>
+                      <li><strong>Business Operations:</strong> With trusted service providers who assist in our operations and are bound by confidentiality agreements</li>
+                    </ul>
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-4">
+                    Data Security
+                  </h2>
+                  <div className="prose prose-lg text-sage space-y-4">
+                    <p>
+                      We implement comprehensive security measures to protect your information:
+                    </p>
+                    <ul className="list-disc pl-6 space-y-2">
+                      <li>Secure, encrypted data transmission and storage</li>
+                      <li>Regular security assessments and updates</li>
+                      <li>Limited access to authorized personnel only</li>
+                      <li>Physical security measures for paper documents</li>
+                      <li>Secure disposal of sensitive documents</li>
+                    </ul>
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-4">
+                    Data Retention
+                  </h2>
+                  <div className="prose prose-lg text-sage space-y-4">
+                    <p>
+                      We retain your information in accordance with professional standards and legal requirements:
+                    </p>
+                    <ul className="list-disc pl-6 space-y-2">
+                      <li>Tax records: Minimum of 7 years after filing</li>
+                      <li>Financial statements: 7 years from preparation date</li>
+                      <li>Client correspondence: 7 years from last communication</li>
+                      <li>Payroll records: 4 years as required by law</li>
+                    </ul>
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-4">
+                    Your Rights
+                  </h2>
+                  <div className="prose prose-lg text-sage space-y-4">
+                    <p>You have the right to:</p>
+                    <ul className="list-disc pl-6 space-y-2">
+                      <li>Access copies of your personal information</li>
+                      <li>Request corrections to inaccurate information</li>
+                      <li>Withdraw consent for non-essential uses</li>
+                      <li>Request deletion of information (subject to legal requirements)</li>
+                      <li>Receive an explanation of our privacy practices</li>
+                    </ul>
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-4">
+                    Website Privacy
+                  </h2>
+                  <div className="prose prose-lg text-sage space-y-4">
+                    <p>
+                      Our website may use cookies and similar technologies to improve your browsing experience. We do not track personal information through our website unless you voluntarily provide it through contact forms or other communications.
+                    </p>
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-4">
+                    Changes to This Policy
+                  </h2>
+                  <div className="prose prose-lg text-sage space-y-4">
+                    <p>
+                      We may update this privacy policy periodically to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website or through direct communication.
+                    </p>
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-4">
+                    Contact Us
+                  </h2>
+                  <div className="prose prose-lg text-sage space-y-4">
+                    <p>
+                      If you have questions about this privacy policy or our privacy practices, please contact us:
+                    </p>
+                    <div className="bg-muted/50 rounded-lg p-6 not-prose">
+                      <p className="font-medium text-forest mb-2">Greg Knopp, P.C.</p>
+                      <p className="text-sage">Corpus Christi, TX</p>
+                      <p className="text-sage">Phone: (361) 883-8999</p>
+                      <p className="text-sage">Email: info@gregknopp.com</p>
+                    </div>
+                  </div>
+                </div>
+
+              </div>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default PrivacyPolicy;

src/pages/Resources.tsx

@@ -1,6 +1,7 @@
 import { useState } from "react";
 import Navigation from "@/components/Navigation";
 import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
 import { Card, CardContent } from "@/components/ui/card";
 import { Button } from "@/components/ui/button";
 import { Input } from "@/components/ui/input";
@@ -87,26 +88,24 @@ const Resources = () => {
       <Navigation />
       <main className="pt-16">
         {/* Hero Section */}
-        <section className="py-24 bg-gradient-subtle relative overflow-hidden">
+        <section 
-          {/* Background watermark */}
+          className="relative py-24 flex items-center justify-center text-center"
-          <div 
+          style={{
-            className="absolute inset-0 opacity-5"
+            backgroundImage: "url('/lovable-uploads/f8f08a1a-0132-4376-af8a-c5bb86f0627e.png')",
-            style={{
+            backgroundSize: "90% 80%",
-              backgroundImage: "url('/lovable-uploads/1a07e78f-6231-4fe2-af77-441f6a6ead7a.png')",
+            backgroundPosition: "center",
-              backgroundSize: "400px",
+            backgroundRepeat: "no-repeat"
-              backgroundPosition: "center right",
+          }}
-              backgroundRepeat: "no-repeat"
+        >
-            }}
+          <div className="absolute inset-0 bg-forest/60"></div>
-          />
+          <div className="relative z-10 container mx-auto px-4">
-          
-          <div className="container mx-auto px-4 relative z-10">
             <div className="grid lg:grid-cols-2 gap-16 items-center">
               <div>
-                <h1 className="text-display-xl font-display font-bold text-forest mb-6">
+                <h1 className="text-display-xl font-display font-bold text-cream mb-6">
                   Resources & Updates
                 </h1>
                 
-                <p className="text-body-lg text-sage mb-8 leading-relaxed">
+                <p className="text-body-lg text-cream/90 mb-8 leading-relaxed">
                   Access our comprehensive library of tax guides, calculators, FAQs, and the latest insights to help you stay informed and make confident financial decisions.
                 </p>
                 
@@ -278,6 +277,7 @@ const Resources = () => {
         {/* FAQ Schema would go here for SEO */}
       </main>
       <Footer />
+      <ScrollToTop />
     </div>
   );
 };

src/pages/ServicesPage.tsx

@@ -1,7 +1,9 @@
 import Navigation from "@/components/Navigation";
 import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
 import { Card, CardContent } from "@/components/ui/card";
 import { Button } from "@/components/ui/button";
+import { Link } from "react-router-dom";
 import { 
   FileText, 
   Calculator, 
@@ -19,12 +21,28 @@ import {
 } from "lucide-react";
 
 const ServicesPage = () => {
+  const getServiceLink = (title: string): string => {
+    const linkMap: { [key: string]: string } = {
+      "Tax Preparation & Planning": "/services/tax-preparation",
+      "Accounting & Bookkeeping": "/services/accounting-bookkeeping",
+      "Payroll Solutions": "/services/payroll-solutions",
+      "IRS Representation": "/services/irs-representation",
+      "Business Consulting & Formation": "/services/business-consulting",
+      "Estate Planning": "/services/estate-planning",
+      "Financial Planning": "/services/financial-planning",
+      "Retirement Planning": "/services/retirement-planning",
+      "Estate & Trust Tax Preparation": "/services/estate-trust-tax",
+      "Sales Tax Services": "/services/sales-tax"
+    };
+    return linkMap[title] || "/services";
+  };
+
   const services = [
     {
       icon: FileText,
       title: "Tax Preparation & Planning",
       description: "Comprehensive tax services designed to maximize your deductions and minimize your liability.",
-      image: "/lovable-uploads/Screenshot 2025-09-10 183339.png",
+      image: "/lovable-uploads/1260e5db-df42-4f32-89c2-eecc054d669d.png",
       features: [
         "Individual and business tax returns",
         "Quarterly estimated tax planning",
@@ -94,7 +112,7 @@ const ServicesPage = () => {
       icon: Heart,
       title: "Estate Planning",
       description: "Comprehensive estate planning to facilitate orderly transfer of assets and reduce tax burden.",
-      image: "/lovable-uploads/Screenshot 2025-09-10 183339.png",
+      image: "/lovable-uploads/Google_AI_Studio_2025-09-11T09_55_14.687Z.png",
       features: [
         "Will and trust preparation",
         "Asset protection strategies",
@@ -108,7 +126,7 @@ const ServicesPage = () => {
       icon: TrendingUp,
       title: "Financial Planning",
       description: "Structured financial plans to help you face any financial challenge at each stage of life.",
-      image: "/lovable-uploads/Screenshot 2025-09-10 183757.png",
+      image: "/lovable-uploads/Google_AI_Studio_2025-09-11T09_54_01.454Z.png",
       features: [
         "Comprehensive financial analysis",
         "Investment strategy development",
@@ -122,7 +140,7 @@ const ServicesPage = () => {
       icon: PiggyBank,
       title: "Retirement Planning",
       description: "Successful implementation and periodic review to ensure financial independence through retirement.",
-      image: "/lovable-uploads/Screenshot 2025-09-10 183224.png",
+      image: "/lovable-uploads/Google_AI_Studio_2025-09-11T09_56_26.432Z.png",
       features: [
         "401(k) and IRA optimization",
         "Social Security strategies",
@@ -136,7 +154,7 @@ const ServicesPage = () => {
       icon: Scale,
       title: "Estate & Trust Tax Preparation",
       description: "Specialized tax preparation for estates and trusts with expert guidance on complex tax matters.",
-      image: "/lovable-uploads/741d6934-b230-43fb-9aac-a2699bba0915.png",
+      image: "/lovable-uploads/Google_AI_Studio_2025-09-11T09_59_04.137Z.png",
       features: [
         "Estate tax return preparation",
         "Trust tax return filing",
@@ -150,7 +168,7 @@ const ServicesPage = () => {
       icon: Briefcase,
       title: "Sales Tax Services",
       description: "Assistance with sales tax collection, compilation, and preparation of returns across multiple jurisdictions.",
-      image: "/lovable-uploads/bea5e6b1-7510-4876-955e-a265f2600ec5.png",
+      image: "/lovable-uploads/Google_AI_Studio_2025-09-11T10_33_07.361Z.png",
       features: [
         "Multi-state sales tax compliance",
         "Sales tax return preparation",
@@ -167,18 +185,23 @@ const ServicesPage = () => {
       <Navigation />
       <main className="pt-16">
         {/* Hero Section */}
-        <section className="py-24 bg-gradient-subtle">
+        <section 
-          <div className="container mx-auto px-4 text-center">
+          className="relative py-24 flex items-center justify-center text-center"
-            <h1 className="text-display-xl font-display font-bold text-forest mb-6">
+          style={{
+            backgroundImage: "url('/lovable-uploads/f8f08a1a-0132-4376-af8a-c5bb86f0627e.png')",
+            backgroundSize: "90% 80%",
+            backgroundPosition: "center",
+            backgroundRepeat: "no-repeat"
+          }}
+        >
+          <div className="absolute inset-0 bg-forest/60"></div>
+          <div className="relative z-10 container mx-auto px-4 text-center">
+            <h1 className="text-display-xl font-display font-bold text-cream mb-6">
               Comprehensive CPA Services for Your Financial Success
             </h1>
-            <p className="text-body-lg text-sage max-w-3xl mx-auto mb-8">
+            <p className="text-body-lg text-cream/90 max-w-3xl mx-auto">
               From tax preparation to strategic business consulting, we provide the expertise and personalized service you need to achieve your financial goals.
             </p>
-            <Button size="lg" className="btn-shadow">
-              <Phone className="mr-2 w-5 h-5" />
-              Schedule Free Consultation
-            </Button>
           </div>
         </section>
 
@@ -227,10 +250,12 @@ const ServicesPage = () => {
                         ))}
                       </div>
                       
-                      <Button variant="outline" className="group">
+                      <Link to={getServiceLink(service.title)}>
-                        Learn More
+                        <Button variant="outline" className="group">
-                        <ArrowRight className="ml-2 w-4 h-4 group-hover:translate-x-1 gentle-transition" />
+                          Learn More
-                      </Button>
+                          <ArrowRight className="ml-2 w-4 h-4 group-hover:translate-x-1 gentle-transition" />
+                        </Button>
+                      </Link>
                     </div>
                   </div>
                 );
@@ -256,6 +281,7 @@ const ServicesPage = () => {
                   size="lg" 
                   variant="outline"
                   className="bg-cream text-forest hover:bg-cream/90 border-cream btn-shadow text-lg px-8 py-3 rounded-2xl"
+                  onClick={() => window.location.href = '/contact'}
                 >
                   Schedule Free Consultation
                   <ArrowRight className="ml-2 w-5 h-5" />
@@ -276,6 +302,7 @@ const ServicesPage = () => {
         </section>
       </main>
       <Footer />
+      <ScrollToTop />
     </div>
   );
 };

src/pages/TestimonialsPage.tsx

@@ -1,5 +1,6 @@
 import Navigation from "@/components/Navigation";
 import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
 import { Card, CardContent } from "@/components/ui/card";
 import { Star, Quote } from "lucide-react";
 
@@ -240,6 +241,7 @@ const TestimonialsPage = () => {
         </section>
       </main>
       <Footer />
+      <ScrollToTop />
     </div>
   );
 };

src/pages/services/AccountingBookkeeping.tsx

@@ -0,0 +1,179 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { Calculator, ArrowLeft, CheckCircle2, ArrowRight, Phone } from "lucide-react";
+import { Link } from "react-router-dom";
+import { useEffect } from "react";
+
+const AccountingBookkeeping = () => {
+  useEffect(() => {
+    window.scrollTo(0, 0);
+  }, []);
+
+  const features = [
+    "Monthly bookkeeping services",
+    "Financial statement preparation",
+    "Cash flow analysis and reporting",
+    "Bank reconciliation",
+    "Accounts payable/receivable management",
+    "QuickBooks setup and training"
+  ];
+
+  const benefits = [
+    "Accurate and up-to-date financial records",
+    "Better cash flow management",
+    "Improved business decision making",
+    "Tax preparation efficiency",
+    "Compliance with accounting standards",
+    "Time savings for business operations"
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section 
+          className="relative py-32 flex items-center justify-center"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/services" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Services</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <Calculator className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Accounting & Bookkeeping
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Professional accounting services to keep your financial records accurate and up-to-date
+                  </p>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Main Content */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-4xl mx-auto">
+              
+              {/* Description */}
+              <div className="mb-16">
+                <p className="text-body-lg text-sage leading-relaxed mb-6">
+                  Meaningful, well-organized financial records ensure that your business operations will run more efficiently on a daily basis and are the foundation of a successful business. Our qualified staff can assist you with the day-to-day tasks associated with bookkeeping.
+                </p>
+                <p className="text-body-lg text-sage leading-relaxed">
+                  We provide comprehensive accounting and bookkeeping services that give you the financial clarity you need to make informed business decisions and maintain compliance with regulatory requirements.
+                </p>
+              </div>
+
+              {/* Features Grid */}
+              <div className="grid lg:grid-cols-2 gap-12 mb-16">
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Our Accounting Services Include
+                  </h2>
+                  <div className="space-y-4">
+                    {features.map((feature, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{feature}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Key Benefits
+                  </h2>
+                  <div className="space-y-4">
+                    {benefits.map((benefit, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{benefit}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+              </div>
+
+              {/* Additional Details */}
+              <div className="bg-card rounded-2xl p-8 card-elevation mb-16">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Professional Bookkeeping Solutions
+                </h2>
+                <div className="prose prose-lg text-sage space-y-4">
+                  <p>
+                    Our bookkeeping services are designed to free up your time so you can focus on growing your business. We handle the details of maintaining your financial records with accuracy and attention to detail.
+                  </p>
+                  <p>
+                    From daily transaction recording to monthly financial statement preparation, we ensure your books are always current and accurate. This foundation enables better business planning and smoother tax preparation.
+                  </p>
+                  <p>
+                    We also provide QuickBooks setup and training, helping you understand your financial reports and empowering you to make data-driven business decisions.
+                  </p>
+                </div>
+              </div>
+
+              {/* CTA Section */}
+              <div className="text-center">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Ready to Streamline Your Financial Records?
+                </h2>
+                <p className="text-body-lg text-sage mb-8 max-w-2xl mx-auto">
+                  Let us handle your bookkeeping and accounting needs so you can focus on what you do best - running your business.
+                </p>
+                <div className="flex flex-col sm:flex-row gap-4 justify-center">
+                  <Button 
+                    size="lg" 
+                    className="bg-brass hover:bg-brass/90 text-white btn-shadow text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.location.href = '/contact'}
+                  >
+                    Schedule Consultation
+                    <ArrowRight className="ml-2 w-5 h-5" />
+                  </Button>
+                  <Button 
+                    size="lg"
+                    variant="outline"
+                    className="border-brass text-brass hover:bg-brass/10 text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.open('tel:+13618839999')}
+                  >
+                    <Phone className="mr-2 w-5 h-5" />
+                    (361) 883-8999
+                  </Button>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default AccountingBookkeeping;

src/pages/services/BusinessConsulting.tsx

@@ -0,0 +1,179 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { Building, ArrowLeft, CheckCircle2, ArrowRight, Phone } from "lucide-react";
+import { Link } from "react-router-dom";
+import { useEffect } from "react";
+
+const BusinessConsulting = () => {
+  useEffect(() => {
+    window.scrollTo(0, 0);
+  }, []);
+
+  const features = [
+    "Entity selection and formation",
+    "Business valuation services",
+    "Operating agreement preparation",
+    "Strategic business planning",
+    "Merger and acquisition support",
+    "Financial analysis and projections"
+  ];
+
+  const benefits = [
+    "Optimal business structure selection",
+    "Strategic growth planning",
+    "Risk mitigation strategies",
+    "Tax efficiency optimization",
+    "Professional guidance and support",
+    "Long-term success planning"
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section 
+          className="relative py-32 flex items-center justify-center"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/services" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Services</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <Building className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Business Consulting & Formation
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Strategic guidance for business formation, growth, and operational optimization
+                  </p>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Main Content */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-4xl mx-auto">
+              
+              {/* Description */}
+              <div className="mb-16">
+                <p className="text-body-lg text-sage leading-relaxed mb-6">
+                  Choosing the form of entity of your business (e.g. "S" corporation, sole proprietor, limited liability company…) is a crucial decision that can have longstanding tax implications, positive or negative. We can assist you in evaluating the pros and cons of each entity type to help you determine the most advantageous form of business for your company.
+                </p>
+                <p className="text-body-lg text-sage leading-relaxed">
+                  Effective coordination of the transition of your business to your successors is critical to ensure its continued success once you decide to remove yourself from the company's day to day operations. With a solid background in tax and other financial matters, we are fully qualified to address the complex issues of business continuation and can assist you in developing a strategically sound plan.
+                </p>
+              </div>
+
+              {/* Features Grid */}
+              <div className="grid lg:grid-cols-2 gap-12 mb-16">
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Our Consulting Services Include
+                  </h2>
+                  <div className="space-y-4">
+                    {features.map((feature, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{feature}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Key Benefits
+                  </h2>
+                  <div className="space-y-4">
+                    {benefits.map((benefit, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{benefit}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+              </div>
+
+              {/* Additional Details */}
+              <div className="bg-card rounded-2xl p-8 card-elevation mb-16">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Strategic Business Solutions
+                </h2>
+                <div className="prose prose-lg text-sage space-y-4">
+                  <p>
+                    Whether you're starting a new business or looking to optimize your existing operations, our business consulting services provide the strategic insight you need to make informed decisions.
+                  </p>
+                  <p>
+                    We help you navigate the complexities of business formation, ensuring you choose the right entity structure for your specific situation, taking into account tax implications, liability protection, and operational flexibility.
+                  </p>
+                  <p>
+                    Our succession planning services help ensure business continuity and smooth transitions, protecting the value you've built while minimizing tax consequences for all parties involved.
+                  </p>
+                </div>
+              </div>
+
+              {/* CTA Section */}
+              <div className="text-center">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Ready to Optimize Your Business Strategy?
+                </h2>
+                <p className="text-body-lg text-sage mb-8 max-w-2xl mx-auto">
+                  Let us help you make strategic decisions that will position your business for long-term success and growth.
+                </p>
+                <div className="flex flex-col sm:flex-row gap-4 justify-center">
+                  <Button 
+                    size="lg" 
+                    className="bg-brass hover:bg-brass/90 text-white btn-shadow text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.location.href = '/contact'}
+                  >
+                    Schedule Consultation
+                    <ArrowRight className="ml-2 w-5 h-5" />
+                  </Button>
+                  <Button 
+                    size="lg"
+                    variant="outline"
+                    className="border-brass text-brass hover:bg-brass/10 text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.open('tel:+13618839999')}
+                  >
+                    <Phone className="mr-2 w-5 h-5" />
+                    (361) 883-8999
+                  </Button>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default BusinessConsulting;

src/pages/services/EstatePlanning.tsx

@@ -0,0 +1,179 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { Heart, ArrowLeft, CheckCircle2, ArrowRight, Phone } from "lucide-react";
+import { Link } from "react-router-dom";
+import { useEffect } from "react";
+
+const EstatePlanning = () => {
+  useEffect(() => {
+    window.scrollTo(0, 0);
+  }, []);
+
+  const features = [
+    "Will and trust preparation",
+    "Asset protection strategies",
+    "Estate tax minimization",
+    "Beneficiary planning",
+    "Business succession planning",
+    "Charitable giving strategies"
+  ];
+
+  const benefits = [
+    "Orderly transfer of assets",
+    "Security for surviving family",
+    "Tax burden reduction",
+    "Privacy protection",
+    "Avoiding probate complications",
+    "Peace of mind for the future"
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section 
+          className="relative py-32 flex items-center justify-center"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/services" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Services</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <Heart className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Estate Planning
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Comprehensive estate planning to facilitate orderly transfer of assets and reduce tax burden
+                  </p>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Main Content */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-4xl mx-auto">
+              
+              {/* Description */}
+              <div className="mb-16">
+                <p className="text-body-lg text-sage leading-relaxed mb-6">
+                  Effective estate planning facilitates the orderly transfer of assets to your beneficiaries, provides security for your surviving spouse, and can reduce or eliminate the tax due on the transfer of your business and other assets.
+                </p>
+                <p className="text-body-lg text-sage leading-relaxed">
+                  For business owners, providing for business continuity and succession of ownership is essential. We can guide you through the complex process of getting your financial affairs in order.
+                </p>
+              </div>
+
+              {/* Features Grid */}
+              <div className="grid lg:grid-cols-2 gap-12 mb-16">
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Our Estate Planning Services Include
+                  </h2>
+                  <div className="space-y-4">
+                    {features.map((feature, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{feature}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Key Benefits
+                  </h2>
+                  <div className="space-y-4">
+                    {benefits.map((benefit, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{benefit}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+              </div>
+
+              {/* Additional Details */}
+              <div className="bg-card rounded-2xl p-8 card-elevation mb-16">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Protecting Your Legacy
+                </h2>
+                <div className="prose prose-lg text-sage space-y-4">
+                  <p>
+                    Estate planning is about more than just drafting a will. It's about creating a comprehensive strategy that protects your assets, minimizes taxes, and ensures your wishes are carried out according to your intentions.
+                  </p>
+                  <p>
+                    We work closely with attorneys and other professionals to develop integrated estate plans that address all aspects of your financial situation, from simple wills to complex trust structures.
+                  </p>
+                  <p>
+                    Our approach considers not only your current financial situation but also future growth and changing family circumstances, ensuring your estate plan remains effective as your life evolves.
+                  </p>
+                </div>
+              </div>
+
+              {/* CTA Section */}
+              <div className="text-center">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Ready to Secure Your Family's Future?
+                </h2>
+                <p className="text-body-lg text-sage mb-8 max-w-2xl mx-auto">
+                  Let us help you create a comprehensive estate plan that protects your assets and provides security for your loved ones.
+                </p>
+                <div className="flex flex-col sm:flex-row gap-4 justify-center">
+                  <Button 
+                    size="lg" 
+                    className="bg-brass hover:bg-brass/90 text-white btn-shadow text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.location.href = '/contact'}
+                  >
+                    Schedule Consultation
+                    <ArrowRight className="ml-2 w-5 h-5" />
+                  </Button>
+                  <Button 
+                    size="lg"
+                    variant="outline"
+                    className="border-brass text-brass hover:bg-brass/10 text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.open('tel:+13618839999')}
+                  >
+                    <Phone className="mr-2 w-5 h-5" />
+                    (361) 883-8999
+                  </Button>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default EstatePlanning;

src/pages/services/EstateTrustTax.tsx

@@ -0,0 +1,179 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { Scale, ArrowLeft, CheckCircle2, ArrowRight, Phone } from "lucide-react";
+import { Link } from "react-router-dom";
+import { useEffect } from "react";
+
+const EstateTrustTax = () => {
+  useEffect(() => {
+    window.scrollTo(0, 0);
+  }, []);
+
+  const features = [
+    "Estate tax return preparation",
+    "Trust tax return filing",
+    "Fiduciary tax compliance",
+    "Estate administration support",
+    "Trust administration guidance",
+    "Complex tax issue resolution"
+  ];
+
+  const benefits = [
+    "Accurate tax compliance",
+    "Minimized tax liabilities",
+    "Professional guidance",
+    "Timely filing and reporting",
+    "Peace of mind for fiduciaries",
+    "Expert handling of complex issues"
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section 
+          className="relative py-32 flex items-center justify-center"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/services" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Services</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <Scale className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Estate & Trust Tax Preparation
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Specialized tax preparation for estates and trusts with expert guidance on complex tax matters
+                  </p>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Main Content */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-4xl mx-auto">
+              
+              {/* Description */}
+              <div className="mb-16">
+                <p className="text-body-lg text-sage leading-relaxed mb-6">
+                  Effective estate and gift planning facilitates the orderly transfer of assets to your beneficiaries, provides security for your surviving spouse, and can reduce or eliminate the tax due on the transfer of your business and other assets.
+                </p>
+                <p className="text-body-lg text-sage leading-relaxed">
+                  For business owners, providing for business continuity and succession of ownership is essential. We can guide you through the complex process of getting your financial affairs in order and ensure proper tax compliance for estates and trusts.
+                </p>
+              </div>
+
+              {/* Features Grid */}
+              <div className="grid lg:grid-cols-2 gap-12 mb-16">
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Our Estate & Trust Tax Services Include
+                  </h2>
+                  <div className="space-y-4">
+                    {features.map((feature, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{feature}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Key Benefits
+                  </h2>
+                  <div className="space-y-4">
+                    {benefits.map((benefit, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{benefit}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+              </div>
+
+              {/* Additional Details */}
+              <div className="bg-card rounded-2xl p-8 card-elevation mb-16">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Specialized Estate & Trust Tax Expertise
+                </h2>
+                <div className="prose prose-lg text-sage space-y-4">
+                  <p>
+                    Estate and trust taxation involves complex rules and regulations that require specialized knowledge and experience. Our team understands the intricacies of fiduciary taxation and can help ensure compliance while minimizing tax burdens.
+                  </p>
+                  <p>
+                    We assist executors, trustees, and beneficiaries in understanding their tax obligations and guide them through the process of preparing and filing required returns accurately and on time.
+                  </p>
+                  <p>
+                    Our comprehensive approach considers both the immediate tax implications and the long-term impact on beneficiaries, helping to preserve wealth and achieve the decedent's or grantor's intentions.
+                  </p>
+                </div>
+              </div>
+
+              {/* CTA Section */}
+              <div className="text-center">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Need Expert Estate & Trust Tax Assistance?
+                </h2>
+                <p className="text-body-lg text-sage mb-8 max-w-2xl mx-auto">
+                  Let our specialized team handle the complexities of estate and trust taxation while ensuring full compliance and optimal outcomes.
+                </p>
+                <div className="flex flex-col sm:flex-row gap-4 justify-center">
+                  <Button 
+                    size="lg" 
+                    className="bg-brass hover:bg-brass/90 text-white btn-shadow text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.location.href = '/contact'}
+                  >
+                    Schedule Consultation
+                    <ArrowRight className="ml-2 w-5 h-5" />
+                  </Button>
+                  <Button 
+                    size="lg"
+                    variant="outline"
+                    className="border-brass text-brass hover:bg-brass/10 text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.open('tel:+13618839999')}
+                  >
+                    <Phone className="mr-2 w-5 h-5" />
+                    (361) 883-8999
+                  </Button>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default EstateTrustTax;

src/pages/services/FinancialPlanning.tsx

@@ -0,0 +1,179 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { TrendingUp, ArrowLeft, CheckCircle2, ArrowRight, Phone } from "lucide-react";
+import { Link } from "react-router-dom";
+import { useEffect } from "react";
+
+const FinancialPlanning = () => {
+  useEffect(() => {
+    window.scrollTo(0, 0);
+  }, []);
+
+  const features = [
+    "Comprehensive financial analysis",
+    "Investment strategy development",
+    "Risk management planning",
+    "Education funding strategies",
+    "Insurance needs analysis",
+    "Long-term wealth building"
+  ];
+
+  const benefits = [
+    "Clear financial roadmap",
+    "Organized approach to goals",
+    "Risk mitigation strategies",
+    "Optimized investment returns",
+    "Financial security planning",
+    "Peace of mind about the future"
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section 
+          className="relative py-32 flex items-center justify-center"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/services" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Services</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <TrendingUp className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Financial Planning
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Structured financial plans to help you face any financial challenge at each stage of life
+                  </p>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Main Content */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-4xl mx-auto">
+              
+              {/* Description */}
+              <div className="mb-16">
+                <p className="text-body-lg text-sage leading-relaxed mb-6">
+                  A properly structured financial plan enables you to face any financial challenge that may present itself at each stage of your life. Through the financial planning process, we can help you assess your financial needs and develop strategies that will enable you to achieve your goals and strengthen your financial security.
+                </p>
+                <p className="text-body-lg text-sage leading-relaxed">
+                  Our comprehensive approach to financial planning considers all aspects of your financial situation, from current cash flow management to long-term wealth accumulation and protection strategies.
+                </p>
+              </div>
+
+              {/* Features Grid */}
+              <div className="grid lg:grid-cols-2 gap-12 mb-16">
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Our Financial Planning Services Include
+                  </h2>
+                  <div className="space-y-4">
+                    {features.map((feature, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{feature}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Key Benefits
+                  </h2>
+                  <div className="space-y-4">
+                    {benefits.map((benefit, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{benefit}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+              </div>
+
+              {/* Additional Details */}
+              <div className="bg-card rounded-2xl p-8 card-elevation mb-16">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Comprehensive Financial Strategy
+                </h2>
+                <div className="prose prose-lg text-sage space-y-4">
+                  <p>
+                    Financial planning is more than investment advice. It's about creating a comprehensive strategy that aligns with your values, goals, and life circumstances.
+                  </p>
+                  <p>
+                    We take a holistic approach, examining your entire financial picture including income, expenses, savings, investments, insurance, and tax strategies to develop an integrated plan that works for your unique situation.
+                  </p>
+                  <p>
+                    Our ongoing relationship ensures your financial plan evolves with your changing needs and market conditions, keeping you on track to achieve your long-term financial objectives.
+                  </p>
+                </div>
+              </div>
+
+              {/* CTA Section */}
+              <div className="text-center">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Ready to Take Control of Your Financial Future?
+                </h2>
+                <p className="text-body-lg text-sage mb-8 max-w-2xl mx-auto">
+                  Let us help you develop a comprehensive financial plan that provides clarity and confidence for your financial journey.
+                </p>
+                <div className="flex flex-col sm:flex-row gap-4 justify-center">
+                  <Button 
+                    size="lg" 
+                    className="bg-brass hover:bg-brass/90 text-white btn-shadow text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.location.href = '/contact'}
+                  >
+                    Schedule Consultation
+                    <ArrowRight className="ml-2 w-5 h-5" />
+                  </Button>
+                  <Button 
+                    size="lg"
+                    variant="outline"
+                    className="border-brass text-brass hover:bg-brass/10 text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.open('tel:+13618839999')}
+                  >
+                    <Phone className="mr-2 w-5 h-5" />
+                    (361) 883-8999
+                  </Button>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default FinancialPlanning;

src/pages/services/IRSRepresentation.tsx

@@ -0,0 +1,179 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { Shield, ArrowLeft, CheckCircle2, ArrowRight, Phone } from "lucide-react";
+import { Link } from "react-router-dom";
+import { useEffect } from "react";
+
+const IRSRepresentation = () => {
+  useEffect(() => {
+    window.scrollTo(0, 0);
+  }, []);
+
+  const features = [
+    "Audit representation and defense",
+    "Penalty abatement negotiations",
+    "Installment payment agreements",
+    "Offer in compromise submissions",
+    "Tax lien and levy resolution",
+    "Innocent spouse relief assistance"
+  ];
+
+  const benefits = [
+    "Expert advocacy before tax authorities",
+    "Reduced stress and anxiety",
+    "Professional handling of complex issues",
+    "Potential penalty and interest reduction",
+    "Confidential representation",
+    "Peace of mind during proceedings"
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section 
+          className="relative py-32 flex items-center justify-center"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/services" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Services</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <Shield className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    IRS Representation
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Expert advocacy and representation for all IRS matters and disputes
+                  </p>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Main Content */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-4xl mx-auto">
+              
+              {/* Description */}
+              <div className="mb-16">
+                <p className="text-body-lg text-sage leading-relaxed mb-6">
+                  During our years of experience dealing with many taxing authorities, we have achieved a level of competence that can ensure our clients they are being properly represented before the various federal and state tax agencies.
+                </p>
+                <p className="text-body-lg text-sage leading-relaxed">
+                  We provide comprehensive representation services to protect your interests and help resolve tax issues efficiently and effectively, often reducing penalties and interest charges.
+                </p>
+              </div>
+
+              {/* Features Grid */}
+              <div className="grid lg:grid-cols-2 gap-12 mb-16">
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Our Representation Services Include
+                  </h2>
+                  <div className="space-y-4">
+                    {features.map((feature, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{feature}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Key Benefits
+                  </h2>
+                  <div className="space-y-4">
+                    {benefits.map((benefit, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{benefit}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+              </div>
+
+              {/* Additional Details */}
+              <div className="bg-card rounded-2xl p-8 card-elevation mb-16">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Professional Tax Advocacy
+                </h2>
+                <div className="prose prose-lg text-sage space-y-4">
+                  <p>
+                    When you're facing an IRS audit, assessment, or other tax matter, having experienced professional representation can make all the difference. We handle all communications with tax authorities on your behalf.
+                  </p>
+                  <p>
+                    Our team has extensive experience in negotiating with the IRS and state tax agencies, often achieving favorable outcomes including penalty reductions, payment plans, and settlements that minimize financial impact.
+                  </p>
+                  <p>
+                    We take a strategic approach to each case, thoroughly reviewing your situation and developing a comprehensive plan to resolve your tax issues as quickly and favorably as possible.
+                  </p>
+                </div>
+              </div>
+
+              {/* CTA Section */}
+              <div className="text-center">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Need Professional Tax Representation?
+                </h2>
+                <p className="text-body-lg text-sage mb-8 max-w-2xl mx-auto">
+                  Don't face the IRS alone. Let our experienced team protect your interests and work toward the best possible resolution.
+                </p>
+                <div className="flex flex-col sm:flex-row gap-4 justify-center">
+                  <Button 
+                    size="lg" 
+                    className="bg-brass hover:bg-brass/90 text-white btn-shadow text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.location.href = '/contact'}
+                  >
+                    Schedule Consultation
+                    <ArrowRight className="ml-2 w-5 h-5" />
+                  </Button>
+                  <Button 
+                    size="lg"
+                    variant="outline"
+                    className="border-brass text-brass hover:bg-brass/10 text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.open('tel:+13618839999')}
+                  >
+                    <Phone className="mr-2 w-5 h-5" />
+                    (361) 883-8999
+                  </Button>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default IRSRepresentation;

src/pages/services/PayrollSolutions.tsx

@@ -0,0 +1,179 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { Users, ArrowLeft, CheckCircle2, ArrowRight, Phone } from "lucide-react";
+import { Link } from "react-router-dom";
+import { useEffect } from "react";
+
+const PayrollSolutions = () => {
+  useEffect(() => {
+    window.scrollTo(0, 0);
+  }, []);
+
+  const features = [
+    "Full-service payroll processing",
+    "Tax withholding and remittance",
+    "Benefits administration support",
+    "Compliance with federal and state regulations",
+    "Employee self-service portals",
+    "Year-end reporting and W-2 preparation"
+  ];
+
+  const benefits = [
+    "Accurate and timely payroll processing",
+    "Reduced administrative burden",
+    "Compliance assurance",
+    "Employee satisfaction",
+    "Cost-effective solution",
+    "Professional support and guidance"
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section 
+          className="relative py-32 flex items-center justify-center"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/services" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Services</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <Users className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Payroll Solutions
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Complete payroll management ensuring compliance and accuracy for your team
+                  </p>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Main Content */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-4xl mx-auto">
+              
+              {/* Description */}
+              <div className="mb-16">
+                <p className="text-body-lg text-sage leading-relaxed mb-6">
+                  As a business grows, it must hire more employees, which can result in increased payroll administration. We can assist you in implementing the controls necessary to ensure a reliable, efficient, and effective payroll system.
+                </p>
+                <p className="text-body-lg text-sage leading-relaxed">
+                  Our firm can also help you develop a payroll system and prepare all necessary payroll tax returns in a timely manner, ensuring compliance with all federal and state requirements.
+                </p>
+              </div>
+
+              {/* Features Grid */}
+              <div className="grid lg:grid-cols-2 gap-12 mb-16">
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Our Payroll Services Include
+                  </h2>
+                  <div className="space-y-4">
+                    {features.map((feature, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{feature}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Key Benefits
+                  </h2>
+                  <div className="space-y-4">
+                    {benefits.map((benefit, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{benefit}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+              </div>
+
+              {/* Additional Details */}
+              <div className="bg-card rounded-2xl p-8 card-elevation mb-16">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Comprehensive Payroll Management
+                </h2>
+                <div className="prose prose-lg text-sage space-y-4">
+                  <p>
+                    Our payroll services are designed to take the complexity out of payroll processing while ensuring accuracy and compliance. We handle everything from calculating wages and deductions to filing required reports.
+                  </p>
+                  <p>
+                    With our expertise in payroll tax regulations, you can be confident that your payroll taxes are calculated correctly and filed on time, avoiding costly penalties and interest charges.
+                  </p>
+                  <p>
+                    We also provide ongoing support and consultation to help you navigate changing payroll regulations and implement best practices for your growing business.
+                  </p>
+                </div>
+              </div>
+
+              {/* CTA Section */}
+              <div className="text-center">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Ready to Simplify Your Payroll Process?
+                </h2>
+                <p className="text-body-lg text-sage mb-8 max-w-2xl mx-auto">
+                  Let us handle your payroll complexities so you can focus on growing your business and supporting your team.
+                </p>
+                <div className="flex flex-col sm:flex-row gap-4 justify-center">
+                  <Button 
+                    size="lg" 
+                    className="bg-brass hover:bg-brass/90 text-white btn-shadow text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.location.href = '/contact'}
+                  >
+                    Schedule Consultation
+                    <ArrowRight className="ml-2 w-5 h-5" />
+                  </Button>
+                  <Button 
+                    size="lg"
+                    variant="outline"
+                    className="border-brass text-brass hover:bg-brass/10 text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.open('tel:+13618839999')}
+                  >
+                    <Phone className="mr-2 w-5 h-5" />
+                    (361) 883-8999
+                  </Button>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default PayrollSolutions;

src/pages/services/RetirementPlanning.tsx

@@ -0,0 +1,179 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { PiggyBank, ArrowLeft, CheckCircle2, ArrowRight, Phone } from "lucide-react";
+import { Link } from "react-router-dom";
+import { useEffect } from "react";
+
+const RetirementPlanning = () => {
+  useEffect(() => {
+    window.scrollTo(0, 0);
+  }, []);
+
+  const features = [
+    "401(k) and IRA optimization",
+    "Social Security strategies",
+    "Retirement income planning",
+    "Required minimum distribution planning",
+    "Roth conversion analysis",
+    "Retirement account rollover guidance"
+  ];
+
+  const benefits = [
+    "Financial independence in retirement",
+    "Optimized retirement savings",
+    "Tax-efficient withdrawal strategies",
+    "Social Security maximization",
+    "Peace of mind about retirement",
+    "Coordinated retirement strategy"
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section 
+          className="relative py-32 flex items-center justify-center"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/services" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Services</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <PiggyBank className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Retirement Planning
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Successful implementation and periodic review to ensure financial independence through retirement
+                  </p>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Main Content */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-4xl mx-auto">
+              
+              {/* Description */}
+              <div className="mb-16">
+                <p className="text-body-lg text-sage leading-relaxed mb-6">
+                  Successful implementation and periodic review of your financial plan will ensure financial independence during your working years and through your retirement years.
+                </p>
+                <p className="text-body-lg text-sage leading-relaxed">
+                  Our retirement planning services are designed to help you build and preserve wealth for your retirement while optimizing tax strategies and ensuring you have the income you need to maintain your desired lifestyle.
+                </p>
+              </div>
+
+              {/* Features Grid */}
+              <div className="grid lg:grid-cols-2 gap-12 mb-16">
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Our Retirement Planning Services Include
+                  </h2>
+                  <div className="space-y-4">
+                    {features.map((feature, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{feature}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Key Benefits
+                  </h2>
+                  <div className="space-y-4">
+                    {benefits.map((benefit, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{benefit}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+              </div>
+
+              {/* Additional Details */}
+              <div className="bg-card rounded-2xl p-8 card-elevation mb-16">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Building Your Retirement Security
+                </h2>
+                <div className="prose prose-lg text-sage space-y-4">
+                  <p>
+                    Retirement planning is a long-term process that requires careful consideration of multiple factors including current savings, expected expenses, healthcare costs, and desired retirement lifestyle.
+                  </p>
+                  <p>
+                    We help you develop strategies to maximize your retirement savings through employer-sponsored plans, IRAs, and other vehicles while considering the tax implications of different approaches.
+                  </p>
+                  <p>
+                    Our ongoing review and adjustment process ensures your retirement plan stays on track despite changing market conditions, tax laws, and personal circumstances.
+                  </p>
+                </div>
+              </div>
+
+              {/* CTA Section */}
+              <div className="text-center">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Ready to Secure Your Retirement Future?
+                </h2>
+                <p className="text-body-lg text-sage mb-8 max-w-2xl mx-auto">
+                  Let us help you develop a comprehensive retirement strategy that ensures financial independence and peace of mind.
+                </p>
+                <div className="flex flex-col sm:flex-row gap-4 justify-center">
+                  <Button 
+                    size="lg" 
+                    className="bg-brass hover:bg-brass/90 text-white btn-shadow text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.location.href = '/contact'}
+                  >
+                    Schedule Consultation
+                    <ArrowRight className="ml-2 w-5 h-5" />
+                  </Button>
+                  <Button 
+                    size="lg"
+                    variant="outline"
+                    className="border-brass text-brass hover:bg-brass/10 text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.open('tel:+13618839999')}
+                  >
+                    <Phone className="mr-2 w-5 h-5" />
+                    (361) 883-8999
+                  </Button>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default RetirementPlanning;

src/pages/services/SalesTax.tsx

@@ -0,0 +1,179 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { Briefcase, ArrowLeft, CheckCircle2, ArrowRight, Phone } from "lucide-react";
+import { Link } from "react-router-dom";
+import { useEffect } from "react";
+
+const SalesTax = () => {
+  useEffect(() => {
+    window.scrollTo(0, 0);
+  }, []);
+
+  const features = [
+    "Multi-state sales tax compliance",
+    "Sales tax return preparation",
+    "Audit representation",
+    "Voluntary disclosure programs",
+    "Nexus analysis",
+    "Sales tax automation consulting"
+  ];
+
+  const benefits = [
+    "Simplified compliance management",
+    "Reduced audit risk",
+    "Accurate tax calculations",
+    "Timely filing and payments",
+    "Professional representation",
+    "Cost-effective solutions"
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section 
+          className="relative py-32 flex items-center justify-center"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/services" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Services</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <Briefcase className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Sales Tax Services
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Assistance with sales tax collection, compilation, and preparation of returns across multiple jurisdictions
+                  </p>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Main Content */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-4xl mx-auto">
+              
+              {/* Description */}
+              <div className="mb-16">
+                <p className="text-body-lg text-sage leading-relaxed mb-6">
+                  Many of our clients are responsible for collecting and submitting sales taxes in many different vicinities. We can assist your company in the compilation of information and preparation of sales tax returns in an efficient and timely manner.
+                </p>
+                <p className="text-body-lg text-sage leading-relaxed">
+                  With the complexities of multi-state sales tax requirements and evolving nexus rules, having professional guidance ensures compliance while minimizing administrative burden and potential penalties.
+                </p>
+              </div>
+
+              {/* Features Grid */}
+              <div className="grid lg:grid-cols-2 gap-12 mb-16">
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Our Sales Tax Services Include
+                  </h2>
+                  <div className="space-y-4">
+                    {features.map((feature, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{feature}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Key Benefits
+                  </h2>
+                  <div className="space-y-4">
+                    {benefits.map((benefit, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{benefit}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+              </div>
+
+              {/* Additional Details */}
+              <div className="bg-card rounded-2xl p-8 card-elevation mb-16">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Comprehensive Sales Tax Solutions
+                </h2>
+                <div className="prose prose-lg text-sage space-y-4">
+                  <p>
+                    Sales tax compliance has become increasingly complex with the growth of e-commerce and evolving state regulations. We help businesses navigate these challenges with expert guidance and efficient processes.
+                  </p>
+                  <p>
+                    Our services include analyzing your business activities to determine nexus requirements, preparing and filing returns across multiple jurisdictions, and representing you in sales tax audits.
+                  </p>
+                  <p>
+                    We also assist with voluntary disclosure programs that can help resolve past compliance issues while minimizing penalties and interest charges.
+                  </p>
+                </div>
+              </div>
+
+              {/* CTA Section */}
+              <div className="text-center">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Ready to Simplify Your Sales Tax Compliance?
+                </h2>
+                <p className="text-body-lg text-sage mb-8 max-w-2xl mx-auto">
+                  Let us handle the complexities of multi-state sales tax requirements so you can focus on growing your business.
+                </p>
+                <div className="flex flex-col sm:flex-row gap-4 justify-center">
+                  <Button 
+                    size="lg" 
+                    className="bg-brass hover:bg-brass/90 text-white btn-shadow text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.location.href = '/contact'}
+                  >
+                    Schedule Consultation
+                    <ArrowRight className="ml-2 w-5 h-5" />
+                  </Button>
+                  <Button 
+                    size="lg"
+                    variant="outline"
+                    className="border-brass text-brass hover:bg-brass/10 text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.open('tel:+13618839999')}
+                  >
+                    <Phone className="mr-2 w-5 h-5" />
+                    (361) 883-8999
+                  </Button>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default SalesTax;

src/pages/services/TaxPreparation.tsx

@@ -0,0 +1,179 @@
+import Navigation from "@/components/Navigation";
+import Footer from "@/components/Footer";
+import ScrollToTop from "@/components/ScrollToTop";
+import { Card, CardContent } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { FileText, ArrowLeft, CheckCircle2, ArrowRight, Phone } from "lucide-react";
+import { Link } from "react-router-dom";
+import { useEffect } from "react";
+
+const TaxPreparation = () => {
+  useEffect(() => {
+    window.scrollTo(0, 0);
+  }, []);
+
+  const features = [
+    "Individual and business tax returns",
+    "Quarterly estimated tax planning", 
+    "Tax strategy optimization",
+    "Multi-state tax compliance",
+    "Audit-ready documentation",
+    "Year-round tax consultation"
+  ];
+
+  const benefits = [
+    "Maximize deductions and minimize tax liability",
+    "Ensure compliance with current tax laws",
+    "Professional preparation and review",
+    "Electronic filing for faster refunds",
+    "Ongoing support throughout the year",
+    "Strategic planning for future tax years"
+  ];
+
+  return (
+    <div className="min-h-screen">
+      <Navigation />
+      <main className="pt-16">
+        {/* Hero Section */}
+        <section 
+          className="relative py-32 flex items-center justify-center"
+          style={{
+            backgroundImage: 'url(/lovable-uploads/financialtools-subpages.png)',
+            backgroundSize: 'cover',
+            backgroundPosition: 'center',
+            backgroundRepeat: 'no-repeat'
+          }}
+        >
+          <div className="absolute inset-0 bg-black/60"></div>
+          <div className="container mx-auto px-4 relative z-10">
+            <div className="max-w-4xl mx-auto">
+              <div className="flex items-center gap-4 mb-8">
+                <Link 
+                  to="/services" 
+                  className="flex items-center gap-2 text-white hover:text-brass gentle-transition"
+                >
+                  <ArrowLeft className="w-5 h-5" />
+                  <span className="font-medium">Back to Services</span>
+                </Link>
+              </div>
+              
+              <div className="flex items-center gap-4 mb-8">
+                <div className="w-16 h-16 bg-brass/20 rounded-2xl flex items-center justify-center">
+                  <FileText className="w-8 h-8 text-brass" strokeWidth={1.5} />
+                </div>
+                <div>
+                  <h1 className="text-display-xl font-display font-bold text-white mb-2">
+                    Tax Preparation & Planning
+                  </h1>
+                  <p className="text-body-lg text-white/90">
+                    Comprehensive tax services designed to maximize your deductions and minimize your liability
+                  </p>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+
+        {/* Main Content */}
+        <section className="py-24 bg-background">
+          <div className="container mx-auto px-4">
+            <div className="max-w-4xl mx-auto">
+              
+              {/* Description */}
+              <div className="mb-16">
+                <p className="text-body-lg text-sage leading-relaxed mb-6">
+                  Our significant investment in computerized tax preparation and research software enables us to accurately and efficiently prepare returns for various types of entities including individuals, corporations, partnerships, trusts, estates, and not-for-profit organizations.
+                </p>
+                <p className="text-body-lg text-sage leading-relaxed">
+                  Tax planning is an essential element of the tax preparation process. By making tax planning part of your overall business strategy, you can use our experience and access to the most current new developments in the tax laws to minimize both your current and future tax liabilities.
+                </p>
+              </div>
+
+              {/* Features Grid */}
+              <div className="grid lg:grid-cols-2 gap-12 mb-16">
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Our Tax Services Include
+                  </h2>
+                  <div className="space-y-4">
+                    {features.map((feature, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{feature}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+
+                <div>
+                  <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                    Key Benefits
+                  </h2>
+                  <div className="space-y-4">
+                    {benefits.map((benefit, index) => (
+                      <div key={index} className="flex items-center gap-3">
+                        <CheckCircle2 className="w-5 h-5 text-brass flex-shrink-0" strokeWidth={1.5} />
+                        <span className="text-sage">{benefit}</span>
+                      </div>
+                    ))}
+                  </div>
+                </div>
+              </div>
+
+              {/* Additional Details */}
+              <div className="bg-card rounded-2xl p-8 card-elevation mb-16">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Why Choose Our Tax Services?
+                </h2>
+                <div className="prose prose-lg text-sage space-y-4">
+                  <p>
+                    With years of experience and ongoing education in tax law changes, our team stays current with the latest developments to ensure you receive the maximum benefit from your tax preparation and planning.
+                  </p>
+                  <p>
+                    We take a proactive approach to tax planning, working with you throughout the year to implement strategies that will minimize your tax burden while ensuring full compliance with all applicable tax laws and regulations.
+                  </p>
+                  <p>
+                    Our computerized systems and quality review processes ensure accuracy and efficiency, giving you confidence that your returns are prepared correctly and filed on time.
+                  </p>
+                </div>
+              </div>
+
+              {/* CTA Section */}
+              <div className="text-center">
+                <h2 className="text-display-md font-display font-semibold text-forest mb-6">
+                  Ready to Optimize Your Tax Strategy?
+                </h2>
+                <p className="text-body-lg text-sage mb-8 max-w-2xl mx-auto">
+                  Let us help you navigate the complexities of tax preparation and planning to ensure you're taking advantage of every opportunity to minimize your tax liability.
+                </p>
+                <div className="flex flex-col sm:flex-row gap-4 justify-center">
+                  <Button 
+                    size="lg" 
+                    className="bg-brass hover:bg-brass/90 text-white btn-shadow text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.location.href = '/contact'}
+                  >
+                    Schedule Consultation
+                    <ArrowRight className="ml-2 w-5 h-5" />
+                  </Button>
+                  <Button 
+                    size="lg"
+                    variant="outline"
+                    className="border-brass text-brass hover:bg-brass/10 text-lg px-8 py-3 rounded-2xl"
+                    onClick={() => window.open('tel:+13618839999')}
+                  >
+                    <Phone className="mr-2 w-5 h-5" />
+                    (361) 883-8999
+                  </Button>
+                </div>
+              </div>
+            </div>
+          </div>
+        </section>
+      </main>
+      <Footer />
+      <ScrollToTop />
+    </div>
+  );
+};
+
+export default TaxPreparation;