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Tax & Accounting Services

FMA, CPA provides a wide range of services to businesses and individuals in a variety of industries. At FMA, CPA, we strive to meet each client's specific needs in planning for the future and achieving their goals in an ever-changing financial and regulatory environment.

Our professional services include:

Tax Management Services

At FMA, CPA, we guide our clients through a full range of tax planning and preparation decisions that help our clients align their goals with a tax efficienct strategy. Our expertise, experience, analysis and thorough research allow us to optimize financial opportunities within existing as well as recently changing tax laws. We are knowledgeable and up to date on the tax laws and can proactively plan for tax filings.

Accounting Services

From start-ups to established enterprises, businesses rely on accurate and insightful financial information in order to manage profitability, capitalize on new opportunities and monetize their business. FMA, CPA's accounting services helps align these goals with accurate record-keeping and reporting as well as support on financial issues such as accounting system setup, cost-containment, tax planning, investments, and employee benefit and profit-sharing plans.

These services include but are not limited to:

  • General ledger and financial statement preparation
  • Bookkeeping (Monthly, quarterly, or annual)
  • Accounting system setup and support
  • Payroll processing
  • Cash flow budgeting and forecasting
  • Personal financial statements
  • Employee benefit and profit-sharing plans
  • Corporate tax planning and return preparation

Assurance and Advisory Services

At FMA, CPA, we focus on building close client relationships that add long-term value. This includes assuring the solidity of financial records, evaluating financial procedures and working to produce strategies that help our clients set, manage and reach their tax and financial goals. Our clients benefit from objective analysis to assist in controlling costs, increasing efficiency, and implementing new technologies and procedures that take advantage of changes in the marketplace, accounting standards, and tax law. Our assurance services will improve information quality and its context, meaning more success for our clients business.

These services include but are not limited to:

  • Expense review and management
  • Entity selection and restructuring
  • Accounting software selection, implementation, and support
  • Business valuations
  • Financial projections and forecasts
  • Debt and finances advising
  • Mergers and acquisitions
  • Transaction structuring and negotiations
  • Business succession planning

Independent Contractor Business Tax Planning

Independent contractors (or 1099 “employee”) are small businesses that need to manage their income, expenses and taxes. Without proper planning, they can pay 15% or more in taxes than they should. Because most independent contractors are cash basis taxpayers it is important to manage the timing of deductions to have the greatest tax reduction impact. Their tax situation goes beyond income tax planning and should include strategy around compensation and managing expenses. At FMA, CPA we help independent contractors get organized and employ tax strategies to help achieve a greater post-tax net worth.

Estate and Trust Planning and Tax Preparation

Estate planning goes well beyond planning a will. Whether for a business or individual, wealth preservation for future generations requires knowledgeable trust planning and estate tax minimization strategies. Having served the Clearwater, Tampa Bay, Largo and St. Petersburg area for many years, Pinellas County CPA firm FMA, CPA has extensive experience with estate and trust planning which includes succession planning, business continuity plans, charitable trusts, estate tax returns and more. With proper trust and estate planning, our clients are confident their beneficiaries will receive assets with minimum taxation and at maximum ease.

Financial and Retirement Planning

FMA, CPA's goal is to help our clients reach their financial goals and maintain financial independence through a comfortable retirement. We guide our clients through complex decisions such as asset allocation, investment performance monitoring, college education funding, retirement plans, insurance, and tax, estate, and business succession planning. FMA, CPA can ensure that our clients portfolio will take into account tax implications for an advantageous after-tax return.

QuickBooks Accounting Help and Assistance

QuickBooks can provide useful and timely information in the form of financial statements, reports and graphs. However, it can only provide this information if our clients purchase the right product and then install, setup and use it properly. We don't just help them use the software, we help them use it more efficiently and more effectively.

FMA, CPA offers the following solutions to help meet our clients QuickBooks needs:

Personal Training

We'll provide comprehensive training so our clients can be confident they're getting the most out of their accounting software.


We assist new QuickBooks users with initial setup including: EasyStep Interview, Preferences, Lists, Customers, Vendors, Employees, Banking and Reports. We also help experienced users manage their businesses more effectively by improving their current setup.


Our QuickBooks support service can assist with any setup or operation assistance they need. Additionally, we can also provide accounting and payroll assistance.


Our QuickBooks review service helps companies that have the resources to perform daily accounting and payroll tasks, but need an accounting and payroll expert to review their transactions, accounts and reports. This review ensures that our clients receive timely, relevant and reliable financial information. We also inform our clients of any corrections, adjustments or reclassifications necessary to ensure that the financial information they receive reflects the correct financial condition of their business. Reviews may be conducted at any time, typically monthly or quarterly reviews provide our clients with up-to-date information and feedback about their business.


Accurate record-keeping is essential to a successful business yet can also be complicated and time consuming. FMA, CPA can help with the organization and day-to-day tasks of bookkeeping so that business owners can focus on core business.

Entity Selection and Restructuring

Business entity selection has a large impact on our clients taxes and other liabilities. From a company's inception through its growth and development, FMA, CPA can advise it on choosing an entity type and later restructuring if advantageous.

Payroll Services

FMA, CPA's payroll services can help reduce the time spent on administration through developing and implementing a computerized payroll system that will facilitate processing, timely payment and preparation of tax returns.

Payroll Login

Cash Flow and Budgeting Analysis

Good cash management can improve a company's liquidity, reduce costs, and increase profitability. FMA, CPA can help monitor optimal cash flow levels by tracking sources and uses, forecasting, and budgeting accordingly. Cash flow management is important for a companies survival. We can help analyze spending, re-balance the budget and/or debts for an optimal cash flow to support the business' success. With our help and guidance, you will have the tools to manage finances and react to changes.

Financial Projections and Forecasts

FMA, CPA combines expertise and experience with an understanding of business to produce financial projections that can help clients manage their business plan and spending. Forecasting for the future is imperative to a company's success. We keep current with market trends and updates so that our clients can be prepared. Depending on our clients needs, our work can range from top-level reports to detailed financial models.

Mergers, Acquisitions, and Sales

Business transactions and transitions are complicated affairs, and whether buying, selling, or considering a potential merger, FMA, CPA can provide assistance to help successfully structure and negotiate the deal. FMA, CPA employs careful analysis and due diligence to determine a fair asking price, highlight the most favorable tax structures, evaluate financial and cash flow impact, and assess compatible business functions and tactics. Expanding or contracting a business is a complex process. With our expert advice, we help businesses make informed decisions for optimum success.

Employee Benefits, Pension, and Profit-Sharing Plans

Choosing benefit plans for our clients employees is often a complex process. FMA, CPA can help them develop and implement benefits, retirement, and profit-sharing plans with an eye toward rewarding their employees and reaching their company's financial and business goals. We can also help maximize tax advantages in implementing these plans.

Debt and Finance Advising

FMA, CPA's professionals can assist in sorting out the different options available for debt management and financing that will lower payments and/or reduce the total amount of interest paid. Re-balancing debts can also result in tax savings.

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