Look, I get it. When you’re a startup, every dollar counts. It’s tempting to use a $50 filing service or a handshake deal to save cash. But I’ve sat across the table from too many brilliant Jersey entrepreneurs who ended up spending ten times their original startup costs just to fix a preventable mess.

Think about it this way: New Jersey has very specific rules about how you shield your personal assets. If you don’t handle your business entity formation with surgical precision—meaning proper meeting minutes, separate bank accounts, and a custom operating agreement—a creditor or a lawsuit could pierce the corporate veil. Suddenly, your family home and your kids’ college fund are on the line for a business mistake. It’s a nightmare scenario that happens more often than people like to admit.