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Certified Financial & Tax

Certified Financial & Tax

Reviews Summary

Most reviews praise the firm for professionalism, communication, and expertise, with many long-term clients highly recommending their services. Several highlight patient, courteous staff and reliable tax handling. However, a few note significant issues with late filings, payroll errors, and resulting penalties, impacting their overall satisfaction. The majority of ratings are positive, but consistency in service quality appears to vary.

About This Listing

Payroll
Tax Preparation
Tax Planning
IRS Representation
Financial Advisory
Forensic Accounting
QuickBooks
Internal Controls

Who Can Work with a CPA?

Individuals seeking tax prep, retirement planning, or financial advice
Small business owners needing bookkeeping, payroll, or tax compliance
Freelancers and contractors with 1099 income or complex returns
Couples planning finances together or managing joint returns
Investors with capital gains or rental property income
Anyone looking for year-round financial guidance and peace of mind

*Note: CPAs may specialize in different areas. Be sure to check credentials and service offerings.*

First-Time Clients

If this is your first time working with a CPA, don’t worry — most professionals offer a free consultation and will walk you through what to expect. You may be asked to complete an intake form, share financial documents, or set clear goals for your session.

What to Know Upfront:

Documentation Bring your most recent tax returns, income details, and any financial concerns
Availability Appointments fill up quickly during tax season — book early if possible

*Note: Every CPA operates a bit differently. Don’t hesitate to ask questions before committing.*

What to Bring

Government-issued ID for verification
Tax documents (W-2s, 1099s, investment summaries, etc.)
Receipts or logs for deductible expenses, donations, or mileage

*Tip: Organize your documents in advance to save time and ensure accuracy.*

Preparing for Your Appointment

Write down any financial goals or questions in advance
Check if your CPA offers virtual sessions or document uploads
Bring a notebook or use a notes app for key takeaways
Know your deadlines for filing, payments, or compliance

*Note: Preparation helps you make the most of your CPA’s expertise.*

How to Get Started

Use our directory to find highly reviewed CPAs near you. Reach out directly to schedule your consultation.

Other Helpful Info

Many CPAs offer both in-person and remote consultations
Fees may be flat-rate, hourly, or based on service complexity
Some CPAs specialize in industries like healthcare, real estate, or tech
Check for client reviews and credentials (CPA license, EA, etc.)

*Note: Every CPA is different — take time to find one who fits your goals and style.*

Features

Payroll
Tax Preparation
Tax Planning
IRS Representation
Financial Advisory
Forensic Accounting
QuickBooks
Internal Controls

Contact Information

Address

26 Office Park Dr

Palm Coast, Florida 32137

Visit Website Call Now Get Directions

Hours

Monday 9AM-4PM
Tuesday 9AM-4PM
Wednesday 9AM-4PM
Thursday 9AM-4PM
Friday Closed
Saturday Closed
Sunday Closed

Customer Reviews

Steve Barnier at Certified Financial and Tax (CFT) has been my CPA for years now and he's great. I recently met with him to review tax benefits and strategies that were the best fit for me, and his patient and kind personality as well as the generosity of his time we're so greatly appreciated! He doesn't become arrogant or angry if you question something. He's patient and takes the time to explain things. I happily recommend him and will continue to use his services!

I have had Steve Barnier do my Business and Personal taxes for probably 16 years if not more and he has always been professional and easy to work with. Great communications back and forth as well.

Used firm for over 5 years and the first 4 are fine. After that it was terrible as the person doing the payroll died, principle dealing with private matters and I moved on as it was getting much worse. Now I have paid out over $2000 in tax penalties as 941's were not paid on time, not correct filing time period, or filed late. My new accountant advised there will be more coming in penalties as some are dating back to 2022. There is more I could say but no reason to do so as I made my point, select another.

I moved to Palm Coast last year in August and found myself in need of an accounting firm to do my taxes. I had a list of firms I wanted to visit to determine the best fit for my needs. I met with Cheryl and she gave me a history of the firm. I learned where their strengths were and how they could best meet my needs. Based on my meeting with Cheryl I saw no need to meet with other accounting firms. They have performed admirably since I engaged their services. I would recommend them to any business owner, ind

We have worked with Steve at Certified Financial & Tax for a number of years since moving to Palm Coast and have been impressed with the communication, the professionalism, and the support throughout the year whenever I have any questions or need information. It's a great firm with a top notch team!

I was unsure to use their service at first, but once I meet the account Shasa, I was confident to rely on them. They are the best option for me! After two years working with them. They always fill the taxes late, I hate that.

Great people, helpful and courteous. My grandmother gets her taxes done here every year for the past three years. And while it does cost it much easier and give me peace of mind that they are done correctly.

Nice people. Did a great job with my taxes

Best tax service in Palm Coast.

Frequently Asked Questions

What qualifications should I look for in a CPA?

Look for a Certified Public Accountant (CPA) license, which ensures they’ve passed rigorous exams and meet state requirements. Check for relevant experience in your industry, additional certifications like CFA or CMA, and membership in professional organizations like the AICPA. Verify their credentials through state licensing boards.

How do I find a CPA in my area?

Use online directories like the AICPA, CPAverify, or state CPA societies. Search platforms like Yelp or Google for local CPAs with reviews. Ask for referrals from business associates, friends, or financial advisors. Local chambers of commerce can also provide recommendations.

What’s the difference between a CPA and an accountant?

A CPA is a licensed professional who has passed the CPA exam and met state requirements for education and experience. An accountant may lack this certification and could have varying levels of expertise. For complex tasks like tax audits or financial reporting, a CPA is typically more qualified.

How do I know if a CPA specializes in my needs?

Ask about their experience with your specific financial needs, such as tax preparation, small business accounting, or estate planning. Review their website or LinkedIn for case studies or client testimonials. Inquire about their client base to ensure they handle similar financial situations.

Should I check a CPA’s reviews before hiring?

Yes, reviews provide insight into a CPA’s reliability, communication, and performance. Check platforms like Google, Yelp, or the Better Business Bureau for client feedback. Look for patterns in reviews, but verify their authenticity, as some may be biased or outdated.

How can I verify a CPA’s license?

Visit your state’s Board of Accountancy website or use CPAverify.org to check a CPA’s license status. Confirm their license is active and check for any disciplinary actions or complaints. This ensures they’re in good standing and meet professional standards.

What questions should I ask during a CPA consultation?

Ask about their experience with your financial needs, fee structure, availability, and communication style. Inquire how they handle tax filings, audits, or financial planning. Ask for references or examples of similar work to assess their expertise and fit.

How much should I expect to pay for a CPA’s services?

Fees vary based on location, services, and complexity. Basic tax preparation may cost $150-$500, while business accounting or audits can range from $1,000 to $10,000+. Request a detailed fee structure upfront and compare quotes from multiple CPAs.

Can I work with a CPA remotely?

Yes, many CPAs offer remote services through secure online platforms for document sharing and virtual consultations. Ensure they use encrypted tools for data security. Remote CPAs can be effective if they understand your local tax laws or business regulations.

How do I assess a CPA’s communication skills?

During consultations, evaluate their ability to explain complex financial concepts clearly. Ask sample questions about taxes or financial strategies and note their responsiveness and clarity. Good communication ensures you understand their advice and fosters a productive relationship.

What red flags should I watch for when screening a CPA?

Beware of CPAs who guarantee specific tax refunds, lack a valid license, or have disciplinary actions on record. Avoid those with poor communication, vague fee structures, or negative reviews highlighting unethical behavior. Always verify their credentials independently.

Should I choose a CPA from a large firm or a solo practitioner?

Large firms offer more resources and specialized teams but may charge higher fees. Solo practitioners often provide personalized service and lower costs but may have limited availability. Choose based on your needs, budget, and preference for personalized attention.

How often should I meet with my CPA?

For individuals, annual meetings for tax preparation may suffice. Businesses may need quarterly or monthly check-ins for bookkeeping, tax planning, or financial reporting. Discuss your needs upfront to establish a meeting schedule that aligns with your financial goals.

Can a CPA help with both personal and business finances?

Yes, many CPAs handle both, but confirm their expertise in both areas. Ask about their experience managing personal taxes and business accounting simultaneously. Ensure they can balance both without compromising attention to your specific financial needs.

What should I do if I’m not satisfied with my CPA?

Discuss concerns directly with your CPA to resolve issues. If unresolved, check your contract for termination terms. Seek a new CPA by researching reviews, credentials, and referrals. Request your financial records to ensure a smooth transition to a new professional.

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