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Independent Contractor Advisory & Tax Strategies

You've mastered your craft, now let us handle the finances. From taxes to cash flow strategies, we take the stress off your plate so you can focus on doing what you do best.

The Challenge for Independent Contractors

As an independent contractor earning over $50K a year, you've proven your skill and dedication. But with growth comes complexity. Managing taxes, cash flow, and business decisions often means wearing too many hats - and that can limit your success.
At Business Advisory and Accounting Partners (B.A.A.P.), we give you the strategies and structure to treat your business like an investment, not just a paycheck.
Plan My Growth Strategy

Key Pain Points We Solve

Pain Points
Why It Matters
B.A.A.P. Solution
Pain Points
Tax Surprises & Overpayments
Why It Matters
Many independent contractors overpay taxes or get hit with large year-end bills due to poor planning.
B.A.A.P. Solution
Proactive year-round tax strategy, quarterly planning, and business structure optimization to legally minimize taxes.
Pain Points
No Clear Financial Roadmap
Why It Matters
Without financial clarity, it's hard to make confident decisions or plan for growth.
B.A.A.P. Solution
Monthly/quarterly advisory sessions with actionable KPIs, cash flow forecasting, and growth modeling.
Pain Points
Wearing Too Many Hats
Why It Matters
You're the CEO, bookkeeper, marketer, and operations manager all in one, leading to burnout and inefficiency.
B.A.A.P. Solution
Streamlined processes, delegation plans, and tech solutions to free your time for high-value work.
Pain Points
Inconsistent Cash Flow
Why It Matters
Unpredictable revenue makes it difficult to budget, save, or invest back into your business.
B.A.A.P. Solution
Pricing strategy reviews, recurring revenue models, and client retention planning.
Pain Points
No CFO-Level Insight
Why It Matters
Without strategic financial leadership, opportunities and risks often go unseen until it's too late.
B.A.A.P. Solution
Fractional CFO services tailored to independent contractors, providing expert guidance without the full-time cost.
Pain Points
Lack of Exit or Wealth-Building Plan
Why It Matters
Many contractors only focus on income today, not building equity or planning for a future sale/transition.
B.A.A.P. Solution
Long-term value-building strategies, retirement planning, and asset protection guidance

Key Pain Points We Solve

The B.A.A.P. Advantage

We're not just accountants. We're your business partners.
See My Next Steps

Proactive, Not Reactive

Independent contractors face unique challenges traditional accountants miss. We design strategies tailored to your industry, income, and compliance needs-not one-size-fits-all models.

Industry Expertise

From consultants to creatives to medical contractors, we understand your world and provide solutions built for your industry's demands and fluctuations.

Education-Focused

Numbers shouldn't be confusing. We explain the "why" behind our recommendations, giving you clarity and confidence to make smart decisions.

Long-Term Partnership

Your business evolves, and so do we. Beyond tax season, we're your financial partner, growing with you year after year.

Our Google Reviews

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Robert Sheridan profile picture
Robert Sheridan
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I’ve been working with BAAP for several years now, and every year I’m reminded why I continue to trust them with my financial management, planning and year-end tax returns. Their team is not only highly knowledgeable and detail-oriented, but they also take the time to explain the tax implications and opportunities that are specific to my situation. If you're looking for a professional, reliable, and personable CPA firm to handle your taxes with care and precision, I highly recommend BAAP.
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Emerald Billing profile picture
Emerald Billing
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Our company has been using BAAP for several years to prepare our corporate taxes, management accounts and so on. Without a doubt, BAAP are an integral part of our company's success and without them we would be worse off. Rose and Tonya have taken exceptional care of our company while curating amazing relationships with our staff and leadership team over the years. I cannot recommend BAAP enough!
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Ray Mustachio profile picture
Ray Mustachio
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I’ve been using Business Advisory And Accounting Partners for many years now and Rose has helped my business tremendously. She takes the time to explain everything and I’ve learned a ton from her. I highly recommend them!
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H F profile picture
H F
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Extremely knowledgeable and already saved me a TON of money. If you own a small business and are in need of an excellent CPA then this is your spot. Rose and Mark are amazing, down to earth people. Glad I made the switch!
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Mike Jordan profile picture
Mike Jordan
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Exceptional service from Business Advisory and Accounting Partners! Rose and Mark have been absolutely fantastic to work with - they're knowledgeable, responsive, and always go above and beyond to ensure our financial needs are met. Paul has also been incredibly helpful throughout our partnership. Their attention to detail and proactive approach has saved us both time and money. Highly recommend their professional accounting services to any business looking for reliable, expert financial guidance
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Natalie Garcia profile picture
Natalie Garcia
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I love BAAP. I’ve had the tremendous pleasure of working alongside Rose and Tonya for a couple of years now. I can honestly say they have helped me improve my business and provided extremely valuable advice that has ultimately helped me make the best decisions. Rose is always kind and available. She has been a sounding board as well as an incredible resource. They’ve helped me maximize my taxes and streamline my finances. They handle all my corporate and personal needs. A very well rounded team. Worth every penny! Highly recommend!
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Brandon Seigel profile picture
Brandon Seigel
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BAAP is the best of the best! I am a huge believer and feel their CPA/Tax Planning and Business Advisory services are transformational for business owners!
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Charles Burnett profile picture
Charles Burnett
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We brought this firm on board just a short time ago, and I’ve never been so impressed with an organization. They’re going to be a critical component of our business’s growth, and I highly recommend them to anyone looking for a top-notch advisory and accounting partner.
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Donna Jackson profile picture
Donna Jackson
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Chaos to Consistency! When I started at my current company we had an accounting firm that, in my opinion, was not aligned with our needs. I gave it an entire year and got the green light to make a switch. I am SO HAPPY that we brought on Business Advisory & Accounting Partners. 1. They have created order from the chaos that was our reporting, taxes and GL postings. 2. They answer the phone/emails and are extremely responsive! (this is a really big deal from the service we had) 3. They have, in just a couple of months, saved us so much money and they are working so hard, but have corrected previous tax filings and gotten us many missed deductions (in not small $$ amounts). 4. They have already set a meeting with us for business planning and have a regular meeting cadence to make sure we are all aligned on the financial future of the company (this is a big deal for us too!) I look forward to many years of this partnership!
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Jason profile picture
Jason
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I have worked with Business Advisory and Accounting Partners, formerly known as FMA, C.P.A., out of Clearwater, Florida, for over 18 years. Throughout this period, Mark Martukovich and his team have consistently provided exceptional service. My primary contact has always been Jensen Chatman, who has been an outstanding asset in managing our bookkeeping, accounting, and tax preparation needs. Her positive attitude and willingness to help have made her an indispensable part of our operations. The pricing is reasonable for a small business, making it feasible to maintain such high-quality services. Mark Martukovich, the managing partner, has been an excellent advisor, offering invaluable guidance that has significantly benefited my business over the years. I feel fortunate to have received his advice on numerous occasions, which has contributed to the growth and success of my business. Overall, Business Advisory and Accounting Partners have proven to be a reliable and professional firm, consistently meeting our needs with expertise and a personal touch.

Your Success as an Independent Contractor Starts Here.

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