From Ocean Ridge to our door
Boynton Beach, FL 33435
Coastal and snowbird tax situations
Ocean Ridge residents often split time between Florida and a primary-residence state, with coastal property taxation, flood insurance, and multi-state income sourcing layering into the return.
Across the bridge, the full practice
Full practice.
- Personal income tax preparation (federal + state)
- S-corp, partnership, and corporate returns
- Bookkeeping, payroll, and QuickBooks support
- IRS and state audit representation
- Business formation and Florida compliance
Two states, one filing season
For split-year residents, the return is really a system: the federal 1040, a part-year or nonresident return up north, and a day-count and domicile file that supports where you said you lived. States losing high earners to Florida check, and the households that keep contemporaneous records win those exams quickly. We build the records into the annual routine.
Owning on a barrier island
Barrier-island ownership carries its own tax texture. Flood and windstorm premiums on a personal residence aren't deductible, but on a rental they belong on Schedule E. Storm damage is generally deductible only in a federally declared disaster, and the insurance-reimbursement math matters. Big protective upgrades, impact glass, new roofs, seawall work on a rental, are capital improvements that build basis rather than current deductions.
Common questions
- Do you handle multi-state residency audits?
- Yes. High-net-worth residents who relocated from NY, NJ, CA, or IL often face residency scrutiny. We document and defend.
- How many days can I spend in my old state?
- Each state sets its own test; many treat around 183 days plus a maintained home as statutory residency. The safer approach is a contemporaneous day count and a domicile file, which we help you keep.
- Is my flood insurance deductible?
- On your own residence, no. On a rental property, yes, as an ordinary Schedule E expense. Mixed-use properties get prorated.
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