Kendall Maccagnan
CPA and CERTIFIED FINANCIAL PLANNER® Professional | Tampa, FL
Hello! I'm Kendall. I started Off the Bay Wealth because I saw a gap in the way small business owners were being served.
Most business owners have an accountant for taxes, a bookkeeper for the books, and maybe an advisor for investments. The problem is that each one sees only one piece of the picture.
So we work differently. We look at your business and personal finances together, so the decisions you make on one side support your goals on the other, and your business is always part of the plan.
How We Help Business Owners
Off the Bay Wealth is a fee-only firm providing financial planning, business advisory, and tax planning for business owners in Tampa Bay and across Florida. We help owners understand their numbers, optimize their taxes, and build wealth both inside and outside their business.
Know where your money goes
If your business makes money but your bank account doesn't show it, we will help you find out why. We review your financial statements, cash flow, and your bookkeeper's work.
Pay yourself the right way
Figure out how much to pay yourself based on your cash flow, build a cash cushion, and for S Corp owners, get the right split between salary and distributions.
Plan ahead for taxes
We help you identify opportunities to reduce taxes before the year ends through estimated tax planning, retirement plan contributions, evaluating whether an S corp makes sense for you, and other proactive tax strategies.
Grow your business with purpose
Set clear 12-month goals, price your services for profit, cut costs that aren't working, and know which services actually make you money.
Build wealth outside your business
We help with investing, retirement, insurance, paying down debt, and big decisions like planning for a new home, college costs, a long vacation, or whatever is financially on your mind.
Plan your exit
Thinking about selling your business in the future? We help you understand how buyers will value your business, prepare for due diligence, and plan for taxes and your life after the sale.
Our Financial Planning Process for Business Owners
Good planning starts with understanding where you are today. Our process brings your business finances, personal finances, and goals together into one clear plan.
01. Introductory Call
A short call to talk through your questions and see if we're a good fit.
02. Financial Review
We review your business and personal finances to understand where you stand, what's working, and where there are gaps.
03. Your Plan
We walk you through our recommendations and give you a clear, prioritized list of next steps. Depending on your needs, this may take one meeting or several working sessions. For one-time planning clients, your engagement wraps up here, and you're welcome to come back by the hour whenever a new question comes up.
04. Ongoing Advisory
We meet monthly or quarterly to track progress, update tax planning, and adjust as the business and life change.
Why Business Owners Choose Off the Bay Wealth
Flat Fees, No Minimums
You pay a fee for our advice. We don't earn commissions, charge based on a percentage of your investments, or require a minimum to get started.
We Understand Your Business
Off the Bay Wealth is CPA-led, so we start with your actual financial statements and bookkeeping. That gives us a clearer view of how your business and personal finances connect.
Tax Planning and Tax Prep in One Place
Advisory clients can have their tax returns prepared through our affiliated CPA firm, so the person planning your taxes is the one filing them.
01
One-Time Planning
Have one big question? Work with us by the hour.
02
Financial Strategy Sprint
A focused 45 to 60 day project to get your business and personal finances organized and build a clear plan. We review your numbers, answer your biggest questions, and leave you with a prioritized roadmap you can act on.
03
Ongoing Advisory (Monthly or Quarterly)
An ongoing partner for your business and personal finances. We meet monthly or quarterly to review your numbers, update your planning, and keep you on track. Ongoing clients may also have their tax returns prepared through our affiliated firm, Off the Bay Tax & Accounting, PLLC.
Professional Memberships & Credentials
Frequently Asked Questions
What does a financial advisor for business owners do?
We help you make decisions about your business and personal finances together. That includes how much to pay yourself, how to plan for taxes, whether your business is truly profitable, and how to build wealth outside your business.
How do I find a financial advisor who understands both my business and personal finances?
Look for an advisor with both accounting and financial planning expertise. Off the Bay Wealth is led by Kendall Maccagnan, a licensed Florida CPA and CERTIFIED FINANCIAL PLANNER® professional. For a full checklist, read our guide to choosing a financial advisor for business owners.
How is this different from my accountant or bookkeeper?
Your bookkeeper records what happened, and your accountant files your taxes. We use those numbers to help you plan what happens next, and we're happy to work alongside the professionals you already have.
Are you a fee-only fiduciary?
Yes. We're a fee-only firm, which means we're paid only by our clients through flat or hourly fees. We don't earn commissions or charge a percentage of your investments, and as a fiduciary we're required to act in your best interest.
Do I need to move my investments to work with you?
No. There's no minimum to work with us, and you don't need to transfer any accounts to get financial planning advice.
Can I work with you for just one question?
Yes. One-time planning is billed by the hour and works well for single decisions, like whether to elect S corp status or whether you can afford a major purchase.
Do you help business owners plan to sell their business?
Yes. We help owners understand how buyers will value their business, prepare for due diligence, and plan for the taxes and personal finances that come with a sale. The earlier you start, generally the more options you have.
Do you work with small businesses and business owners outside Tampa?
Yes. We work with solo owners and growing businesses with employees. We're based in Tampa and work with business owners across Florida.
Do you prepare tax returns?
Ongoing advisory clients may elect to have their tax returns prepared through our affiliated firm, Off the Bay Tax & Accounting, PLLC.