Federal Tax Preparation for Individuals and Families.
Florida does not have a state personal income tax, so the return that matters is the federal one. We prepare it, plan before filing season, help with IRS notices, and prepare amended returns. Our team replies the same business day, Monday–Friday. Central Florida-based, serving clients statewide and remotely, including Winter Garden, Windermere, Ocoee, Clermont, Horizon West, and Orlando. Our core focus is CTSOs and nonprofits nationwide.
Florida Doesn't Tax Your Income. The IRS Still Does.
No state personal income tax is not the same thing as no tax return.
If you live in Florida, you generally don't file a Florida income tax return. You still file a federal one. Wages, a side business, a retirement distribution, a stock sale — they land on that federal return.
Software can file a simple year. It doesn't call you when a notice arrives, and it doesn't know that a business return and a personal return have to agree.
Blackpoint CPA is Central Florida-based, serving clients statewide and remotely. Our core focus is CTSOs and nonprofits nationwide. Bring the year you actually had. We'll prepare the federal return, respond to an IRS notice, or amend a prior year when that's what you need.
What We Handle for Individuals and Families
Preparation, planning, and a person to call when a letter from the IRS arrives. We keep the description general — your return depends on your documents, not on a webpage.
We prepare the federal individual return, including the schedules that apply to your year. Florida does not have a personal income tax, so we don't file a Florida income tax return.
Withholding, estimated payments, and questions before a home sale, a retirement distribution, or a new business. We tell you what your documents show, and what we still need.
We read the letter with you, explain what the IRS is asking, and help you respond by the date on the notice. We don't promise a reduced balance or that the notice will disappear.
Marriage, a child, a move, a new job, or retirement. We look at what changed and what that means for the federal return. We don't assume last year's return still fits.
A side business, a partnership K-1, or an S corporation K-1 has to agree with the personal return. If you need the business return too, we can scope both in one conversation.
We prepare amended federal returns. Bring the original return and what changed, or the notice about an older year. We'll prepare the amendment that fits.
What "No State Income Tax" Does and Doesn't Mean
Florida doesn't tax wages and other personal income. A few limits are worth knowing before you assume the federal return is the only paper involved. We are Central Florida-based, serving clients statewide and remotely.
Florida does not impose a personal income tax. We prepare the federal return. We do not prepare a Florida individual income tax return, because there isn't one to file.
If you lived in another state, worked there, or had income sourced there during the year, that state may require its own return. We can prepare it or tell you if it's outside our scope. We check residency and where the income came from before we file.
Self-employment, investment income, and other income that isn't withheld can still require federal estimated payments through the year. No Florida income tax doesn't remove that.
When a federal extension is appropriate, it moves the filing deadline. It does not extend the time to pay tax you already owe. This page is general information, not advice for your return.
Getting Started Is Simple
Schedule a free consultation. Tell us what kind of year you had, and whether an IRS letter is sitting on the counter.
We'll list the documents we need and quote the return before we prepare it. You decide whether to proceed.
We prepare the federal return and walk through it with you before it is filed. Questions get an answer the same business day, Monday–Friday.
Common Questions
No. Florida does not impose a personal income tax. If you are a Florida resident and none of your income creates a filing in another state, the income tax return you file is the federal one. If you lived in another state, worked in another state, or had income sourced there, that state may still require a return. We can prepare it or tell you if it's outside our scope. We check that before we file.
Individuals and families. We are Central Florida-based, serving clients statewide and remotely, including Winter Garden, Windermere, Ocoee, Clermont, Horizon West, and Orlando. Our core focus is CTSOs and nonprofits nationwide. That includes wage earners, retirees, and people with self-employment, partnership, or investment income. If your year was unusual, tell us on the consultation.
Yes. We help with IRS notices. Send the notice. We'll explain what it is asking and help you prepare a response. Use the date printed on the letter. We don't promise that a balance will be reduced or that the notice will be withdrawn.
Yes. We prepare amended federal returns. Bring the original return and whatever changed, or the notice that raised the question. We'll prepare the amendment that fits.
Yes. Business tax preparation, bookkeeping, and payroll are on our small business page. If you need both a personal return and a business return, one consultation is enough to scope them together.
It depends on the return. We don't publish a price list. The consultation is free, and you'll have a quote before we prepare anything.
For planning, earlier in the year leaves more room to act. For filing, contact us when your forms start arriving. If an IRS letter gives a response date, that date controls. A federal extension, when one is appropriate, gives more time to file. It does not give more time to pay tax you already owe.