Florida financial professionals

Florida's unique tax environment—no state income tax, but complex sales tax rules and property tax considerations—makes working with the right financial professional essential for both businesses and individuals. Whether you're managing a hospitality business in Orlando, navigating maritime industry finances in Miami, or planning retirement in a state with specific homestead exemption rules, local expertise matters. Financial professionals in Florida must understand tangible personal property tax, documentary stamp taxes, and the nuances of serving seasonal residents and retirees. This page connects you with accountants, bookkeepers, financial advisors, and fractional CFOs who know Florida's regulatory landscape, including oversight by the Florida Board of Accountancy and requirements for serving the state's diverse economy spanning tourism, real estate, healthcare, and agriculture.

233 professionals. 850 client reviews. Used by 200,000+ business owners and high net worth individuals.

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What clients are saying

  • "Excellent. They were easy to work with and very responsive. Matisse was very kind and helpful. I would recommend them."
    — Shanna Huber, 0.0 stars, for RK Partners - R&D Tax Credits
  • "Stellar. Team was great, delivered my plan a week ahead of schedule."
    — Matthew Powers, 0.0 stars, for Steward
  • "I like my guy! Chris Roth with 5T Wealth Management. Based out of Napa, California. I use 'em for portfolio management and planning. I chose 'em becau…"
    — Yev, 0.0 stars, for 5T Wealth Management

Frequently asked questions

How much do accountants and financial advisors cost in Florida?
Bookkeepers in Florida typically charge $40–$75 per hour or $300–$800 monthly for ongoing services. CPAs often bill $150–$400 per hour, with tax returns ranging from $300 for simple filings to $2,000+ for businesses with complex needs. Financial advisors usually charge 0.5%–1.5% of assets under management annually or $150–$350 per hour for project work. Fractional CFOs generally cost $3,000–$10,000 monthly depending on company size and scope. Prices vary by location, with Miami and Tampa often at the higher end.
How do I choose the right financial professional in Florida?
Start by verifying active licenses through the Florida Board of Accountancy for CPAs or FINRA's BrokerCheck for financial advisors. Ask about their experience with Florida-specific issues like tangible personal property tax, documentary stamp taxes, or homestead exemptions if relevant to your situation. Request references from clients in similar circumstances—same industry, business size, or financial complexity. Discuss their technology stack and communication style to ensure compatibility. A complimentary consultation should reveal whether they understand your needs and Florida's regulatory environment.
What should I expect when working with a Florida financial professional?
Initial meetings typically involve reviewing your financial situation, business structure, and specific Florida tax obligations. Bookkeepers usually provide monthly reporting and transaction categorization, while CPAs handle tax planning, preparation, and filing including Florida-specific returns. Financial advisors conduct comprehensive planning addressing retirement in a no-income-tax state and estate considerations. Fractional CFOs offer strategic guidance on cash flow, fundraising, and financial systems. Expect regular communication—monthly or quarterly check-ins are common—and proactive alerts about filing deadlines, estimated tax payments, or regulatory changes.
Should I work with a local Florida professional or someone remote?
Most financial work happens remotely today through secure portals and video calls, making location less critical than Florida-specific expertise. However, local professionals offer advantages for certain situations: in-person meetings for complex planning, relationships with local banks and attorneys, and deeper understanding of county-specific property tax or industry clusters. Remote professionals can work well if they demonstrate solid knowledge of Florida tax law and regulations. The key is confirming they're licensed and experienced in Florida matters, regardless of where they're physically located.
What credentials should Florida financial professionals have?
Accountants should hold an active Florida CPA license issued by the Florida Board of Accountancy, verified through their public database. Bookkeepers often have certifications like QuickBooks ProAdvisor or Certified Bookkeeper (CB) credentials. Financial advisors need CFP certification and typically Series 65 registration or work under a Registered Investment Advisor (RIA) firm regulated by the SEC or Florida Office of Financial Regulation. Enrolled Agents (EA) are federally licensed for tax representation. Fractional CFOs usually have CPA licenses plus significant executive finance experience, often with an MBA.
How does Florida's lack of state income tax affect my need for financial help?
While Florida has no state income tax, businesses and individuals still face complex obligations. Businesses must navigate sales tax on services and goods, tangible personal property tax on equipment, and corporate income tax if applicable. Retirees and high earners moving to Florida need strategic guidance on establishing residency, homestead exemptions, and estate planning without state estate tax. Financial professionals help optimize these Florida-specific advantages while ensuring compliance with federal obligations and multi-state issues for seasonal residents. The tax structure differences require specialized local knowledge.

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