A durable financial plan blends cash flow, taxes, risk, and goals into one simple playbook. Whether you’re a Tampa small-business owner or a growing family, Henriquez Accounting & Tax Services helps you build a tax-smart plan you can actually follow—month after month. Explore Bookkeeping, Outsourced Controller/CFO, Tax Preparation, and Business Consulting.

What Financial Planning Means (Owner-Friendly)

Financial planning isn’t just investments—it’s coordinating cash, taxes, benefits, and risk so every paycheck, distribution, and purchase moves you toward your goals with fewer surprises. We focus on the parts that materially change outcomes and are within your control.

Tampa & Florida Considerations

No state income tax: federal planning still drives outcomes; seize qualified retirement and HSA opportunities.
Homeownership: coordinate homestead benefits/portability with moves and house-hack strategies.
Tourism & small-biz dynamics: seasonality and cash reserves matter for restaurants, STRs, and service firms.

The Pillars of a Tax-Smart Plan

Cash Flow & Reserves: 3–6 months of core expenses (owners: include payroll & taxes); 13-week cash forecasting for businesses.
Debt Strategy: prioritize by rate and risk; refinance where sensible; keep healthy utilization for credit access.
Retirement Accounts: 401(k)/Roth 401(k), Solo 401(k), SEP, SIMPLE; coordinate with S-Corp salary and distributions.
Tax Buckets: pre-tax, Roth, and taxable—optimize contributions and withdrawal sequencing.
Health & Education: HSAs (if eligible) and 529 plans; align contributions with cash and tax windows.
Risk Management: emergency fund first; review life/disability/liability coverages and umbrella policies.
Investing Framework: target allocation, auto-contributions, rebalancing rules; we coordinate with your advisor (we don’t sell investments).
Estate Basics: beneficiary checks, TOD/POD, wills/trusts via your attorney; maintain a simple “where-to-find” file.

Planning Cadence (Month–Quarter–Year)

Monthly

Update budget vs. actual; move surplus to goals (debt paydown, reserves, investments).
Business owners: reconcile books; refresh the 13-week cash forecast; set next month’s estimated tax transfer.

Quarterly

Calculate and pay estimated taxes; adjust safe harbor targets.
Review retirement/HSA/529 pacing; rebalance if off target; check insurance needs.
Owners: KPI dashboard—margins, runway, DSO/DPO, compensation mix.

Annually

Year-end tax planning: entity review, reasonable comp, timing for CapEx/bonuses, and charitable strategy.
Open enrollment & benefits optimization; insurance and estate document refresh.
Tax return filing (1120S/1065/1120; 1040 with Schedules C/E) with next-year projections.

Common (Costly) Mistakes We Fix

Contributing “whatever’s left” instead of automating toward targets.
Mismatching entity choice, salary vs. distributions, or ignoring accountable plans.
No emergency fund; carrying high-interest debt alongside idle cash.
Forgetting beneficiary updates after life events; missing insurance gaps.
Business owners: no 13-week forecast; paying taxes from operating cash without planning.

What You’ll Get When You Work With Us

Clear goals, funding schedule, and automated transfers.
Owner-optimized tax plan: entity, reasonable comp, and quarterly estimates.
13-week cash forecasting (for businesses) and monthly financial statements.
Coordination with your investment/insurance pros; we stay focused on tax and cash.
Annual plan refresh with proactive tax moves and filing support.

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FAQs

Do I need an Enrolled Agent, a financial advisor, or both?

They complement each other. We handle tax strategy, cash flow, entity planning, and filings; an advisor manages investments. We’ll coordinate so your plan is consistent.

Which retirement plan fits my small business?

It depends on headcount and profit: Solo 401(k) for owner-only, SEP for simplicity, SIMPLE for small teams, or a 401(k) for broader benefits. We’ll model contributions, admin costs, and tax impact.

How big should my emergency fund be?

Typically 3–6 months of essential expenses; owners often target 6+ months plus a business operating reserve.

Can I contribute to both a 401(k) and a Roth IRA?

Yes—subject to IRS limits and Roth income thresholds. We’ll evaluate pre-tax vs. Roth blend, and backdoor Roth options when appropriate.

How do Florida’s taxes affect my plan?

With no state income tax, federal planning and payroll/benefit choices drive most savings. Property, sales, and local factors still matter for cash flow; we’ll plan around them.

Ready to build a tax-smart plan you’ll actually follow?

We’ll align cash flow, benefits, taxes, and business decisions into one clear roadmap—then help you stick to it. Talk to an Enrolled Agent today. Schedule Consultation

Mastering Financial Planning in Tampa (2025 Insights)