Professional accountant reviewing financial documents at a desk

CPA Firm · Tampa, FL

Clear Numbers. Confident Decisions.

Harbor Tax & Advisory helps Tampa small businesses and individuals navigate the tax code, stay audit-ready, and build financial clarity — year after year, not just in April.

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Licensed CPAs & EAsSmall Business SpecialistsIRS RepresentationFree Initial Consult200+ Tampa Clients

CPAs & Enrolled AgentsSmall Business SpecialistsFree Initial Consult200+ Tampa Clients

What We Do

Tax work done right.

We work with Tampa small businesses and individuals year-round — not just during tax season. Every client gets a named CPA or EA, not a rotating associate.

Individual Tax Returns

Form 1040 preparation for W-2 employees, freelancers, rental property owners, and investors. We look beyond the obvious deductions to find what you actually owe — not a dollar more.

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Business Tax Strategy

Year-round tax planning for S-Corps, LLCs, and sole proprietors. Schedule C, K-1, payroll tax — we handle the filings and advise on entity structure, retirement contributions, and timing decisions that move the needle.

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Bookkeeping

Monthly reconciliation, categorization, and clean books delivered by the 10th. QuickBooks Online and Xero. When your accountant and your bookkeeper are the same firm, nothing falls through the cracks.

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IRS Representation

Audit support, CP2000 notices, installment agreements, and Offers in Compromise. If the IRS contacts you, don't go alone. Our enrolled agents handle correspondence directly so you don't have to.

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The Team

People who actually know your file.

Every Harbor Tax client is assigned a named professional. You’ll see the same person each year — someone who remembers that you bought a rental property in 2023 and asks about it in 2024.

Rachel Harbor, CPA

Founder & Managing Partner

Rachel founded Harbor Tax after 10 years at a regional firm in Tampa. She specializes in small business taxation and helps S-Corp owners align compensation strategy with tax efficiency.

James Mitchell, EA

Enrolled Agent · IRS Representation

James is a federally licensed Enrolled Agent with deep experience handling IRS audits, appeals, and collection issues. If you have an IRS notice, James is your first call.

Sofia Torres, CPA

Senior Accountant · Bookkeeping

Sofia manages client bookkeeping and individual tax returns. She came to Harbor Tax from a Florida hospitality group where she oversaw GL for six locations.

Client Stories

What our clients say.

★★★★★

“I'd been filing my own taxes for years as a freelance designer. Rachel caught $4,200 in home office and equipment deductions I'd been missing. The fee paid for itself in the first week.”

Marcus T.

Freelance UX Designer, Tampa

★★★★★

“When I got the CP2000 notice I panicked and called three firms. James at Harbor Tax was the only one who explained what was actually happening instead of just quoting me a number. He resolved it in six weeks.”

Diane F.

Small Business Owner, St. Petersburg

★★★★★

“We switched our LLC bookkeeping to Harbor Tax last year and the difference is remarkable. Our books are clean by the 10th every month and tax season stopped being a fire drill.”

Omar & Priya N.

Restaurant Owners, Tampa

FAQ

Common questions.

When are my taxes due — and what happens if I miss the deadline?

The federal individual tax deadline is April 15. If you need more time, we file a Form 4868 extension for you, which pushes your filing deadline to October 15 — but note that an extension to file is not an extension to pay. If you owe, interest and penalties accrue from April 15 on unpaid balances. Business returns (Form 1120S for S-Corps, Form 1065 for partnerships) are due March 15. We send deadline reminders to every active client in February.

Should my business be an LLC or an S-Corp?

It depends on your net profit level. A single-member LLC is a disregarded entity — all profit passes through to your Schedule C and is subject to self-employment tax (15.3%). An S-Corp election lets you pay yourself a reasonable salary (subject to payroll tax) and take the rest as a distribution (not subject to SE tax). At roughly $50,000+ in net profit, the S-Corp election often saves more in taxes than the additional payroll administration costs. We run this analysis for every business client annually.

What should I bring to my first meeting?

For individuals: prior year tax return (if we didn't prepare it), W-2s and 1099s, documentation for any significant financial events (home purchase, sale of investments, retirement account distributions), and a list of any life changes — marriage, new dependents, home office, side income. For businesses: prior year return, YTD P&L, bank statements, payroll records if applicable. If you use QuickBooks or Xero, just give us read access and we'll pull what we need.

What's the difference between bookkeeping and accounting?

Bookkeeping is the ongoing process of recording and categorizing every financial transaction — money in, money out, reconciled against your bank statements. Accounting uses those records to produce financial statements, tax returns, and strategic analysis. At Harbor Tax, we offer both under one roof. Many of our clients start with bookkeeping and add tax preparation once they see how much cleaner the tax process is when their books are already in order.

Get Started

Your first consultation is free.

30 minutes. No sales pitch. We review your situation and tell you exactly what we can do and what it will cost.

Book a Free Consultation →or call (813) 555-0196