Specialized financial support for insurance agencies and agents across South Florida — including trust and operating account compliance, CFO strategy, and proactive tax planning.
Running an insurance agency means juggling commissions, renewals, carrier payables, and strict compliance — all while trying to grow. Many agencies operate with bookkeeping that isn't built for the realities of the industry, which creates risk at exactly the wrong moments.
The biggest exposure is trust and operating account management. In states with strict segregation requirements, premium funds must be kept separate from operating funds and reconciled correctly — and getting it wrong can mean regulatory trouble, not just messy books.
On top of that, fluctuating commission income makes cash flow hard to predict, tax planning gets pushed to the last minute, and owners rarely have the financial clarity they need to make confident decisions about hiring, marketing, or acquisition.
We bring agency-specific financial expertise so your numbers are accurate, compliant, and working for you:
Trust and operating account management with full reconciliations, built for segregation-compliance requirements Commission and renewal income tracking, so revenue is clear and predictable Carrier payable and receivable oversight Experience with agency management systems including AMS360 and Applied Epic Fractional CFO services — forecasting, cash flow, and margin analysis for agencies ready to grow Proactive, year-round tax planning and entity-structure strategy Clean financial statements you can take to a lender, partner, or buyer
With 20+ years of fiduciary accounting experience, we understand the compliance side of the insurance business in a way general bookkeepers don't — especially the trust-accounting and 3-way reconciliation requirements that protect your license and your reputation. We also work directly within the systems your agency already uses, including AMS360 and Applied Epic, so onboarding is smooth and your data stays clean.
Based in Palm Beach County and serving agencies throughout South Florida — Boca Raton, Delray Beach, Boynton Beach, West Palm Beach, and the greater Miami-Dade and Broward areas — we offer both local, in-office service and virtual support across the entire state.
Whether you need clean trust-account compliance, sharper financial strategy, or a true CFO partner, we're here to help your agency grow with confidence.