Stuart Wilson, ACMA CGMA Fractional CFO & Controller · AICPA Member
Florida's no-income-tax advantage draws businesses from across the country — but sales-tax complexity, documentary stamp tax, hurricane-season cash planning, and seasonal revenue swings demand real financial leadership. Management accounts by the 5th, cash-flow forecasts updated weekly — by a CGMA with 24 years in professional finance.
No contracts · Cancel anytime · From $3,995/mo
Florida has no personal or corporate income tax (except a 5.5% corporate income tax on C-corps above $50K), but its 6% state sales tax (up to 8.5% with county surtaxes) is where complexity hides. Exemptions, discretionary surtaxes, and the $500K annual collection threshold for out-of-state sellers require constant monitoring. A fractional CFO keeps your sales-tax obligations current and defensible.
June through November means potential business disruption, insurance claims, and revenue gaps. A 13-week rolling cash-flow forecast with hurricane-scenario modelling ensures you have the liquidity to survive a two-week closure, make payroll during disruption, and recover faster than competitors who were flying blind.
Tourism, hospitality, and real estate in Florida are deeply seasonal. You need annualized budgets that account for the peak (Nov–Apr) and off-peak (May–Oct) cycles, with cash reserves modelled month by month. We build rolling budgets that smooth the feast-and-famine cycle and keep you funded year-round.
Florida's documentary stamp tax ($0.70 per $100 on deeds, $0.35 per $100 on mortgages — plus Miami-Dade's surtax) adds a hidden cost to every real estate transaction. For real estate investors and developers, we track these costs at the entity level and model the tax impact of each transaction structure.
Everything a full-time CFO delivers — without the $250K salary.
Full P&L, balance sheet, cash flow statement. US GAAP-compliant. Board-ready with variance commentary — not a raw trial balance.
Revenue, gross margin, AR days, AP days, cash runway, burn rate. Updated live. Know where you stand before month-end.
Rolling weekly cash forecast with scenario modelling — including hurricane-disruption scenarios. Always current, always lender-ready.
Sales-tax filings, annual report deadlines, documentary stamp tracking, and reemployment tax reconciliation. Working papers prepared for your CPA.
45-minute call to review the numbers, flag risks, discuss opportunities. Like having a CFO in the room without the full-time overhead.
Monthly variance analysis with seasonal adjustments — so you know exactly where you're over or under plan in peak vs. off-peak months.
No contracts. No hidden fees. Cancel with 30 days' notice.
Monthly management accounts, bank reconciliation, compliance tracking
Full strategic CFO — for businesses scaling past $5M
Multi-entity, M&A-ready, investor reporting
Florida's 6% base rate plus county discretionary surtaxes (up to 2.5%) create 67 different combined rates across the state. We reconcile sales-tax filings monthly, ensure county-surtax caps are applied correctly, and monitor the $500K economic nexus threshold for out-of-state sellers.
$0.70 per $100 on deeds ($0.60 per $100 in Miami-Dade for single-family), $0.35 per $100 on promissory notes and mortgages. We track these at the transaction and entity level for real estate investors, developers, and holding companies.
Florida imposes a 5.5% corporate income tax on C-corps with taxable income above $50,000. S-corps, LLCs, and partnerships are pass-through. We calculate estimated payments quarterly and prepare the working papers your CPA needs for F-1120 filing.
Florida's insurance market is volatile — property and casualty premiums have surged. We track insurance costs as a percentage of revenue, model deductible exposure, and ensure your financials reflect adequate loss reserves for hurricane and flood risk.
Florida requires annual reports through Sunbiz (Division of Corporations) by May 1 each year — $150 for LLCs, $61.25 for corps. Miss the deadline and you face a $400 late fee and potential administrative dissolution. We track all deadlines so nothing falls through the cracks.
Seasonal revenue modelling, tourist development tax tracking, multi-location P&L, and occupancy-based forecasting for hotels, resorts, and vacation rentals.
Property-level NOI, doc-stamp tracking, 1031 exchange documentation, condo pre-sale deposit accounting, and lender-ready packages.
Job costing, WIP schedules, percentage-of-completion, retainage tracking, and surety-bond financials for Florida's booming construction market.
Multi-provider P&L, insurance reimbursement tracking, assisted-living facility financials, and AHCA regulatory compliance support.
Seasonal inventory management, vessel sales-tax exemptions, marina revenue tracking, and service-department profitability analysis.
IOLTA trust accounting, matter-level profitability, partner compensation modelling, and Florida Bar compliance for trust accounts.
We reconcile your sales-tax filings monthly, ensuring the correct county discretionary surtax rates are applied (they change annually). We track the $5,000 per-transaction surtax cap, monitor exemption certificates, and coordinate multi-county businesses that collect different rates at different locations. Everything is documented and audit-ready.
This is one of our core strengths for Florida clients. We build annualized rolling budgets that account for peak (Nov–Apr) and off-peak (May–Oct) cycles. Cash-flow forecasts include seasonal adjustments, and we model minimum cash reserves needed to carry you through quiet months without drawing on expensive credit lines.
We include hurricane-disruption scenarios in every 13-week cash-flow forecast from June through November. We model 1-week, 2-week, and 4-week business-interruption scenarios, track your insurance deductible exposure, and ensure you maintain sufficient liquidity to cover payroll and fixed costs during any disruption. Business continuity starts with financial preparedness.
Absolutely. No income tax doesn't mean no complexity. Sales-tax compliance, documentary stamp tax, federal tax planning, insurance cost management, and seasonal cash-flow planning all require professional financial oversight. The no-income-tax advantage also attracts competition — meaning your margins need to be tighter and your financial visibility sharper to win.
Most Florida engagements are fully onboarded within 2 weeks. We connect to your QuickBooks, Xero, or Sage instance on day one, run a diagnostic on your chart of accounts by day three, and deliver your first management pack by the end of week two. No long implementation projects.
Also Serving
30-minute discovery call. We'll review your current setup, identify gaps, and show you exactly what your management accounts should look like. No pitch — just proof.
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