Gutta Stewart Ferrer & Schemidt

Keep More Of What You Earn. Protect What You've Built.

A proactive CPA and Virtual Family Office for South Florida business owners and pre-retirees. Lower your taxes. Secure your retirement.

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If This Sounds Familiar

Your CPA Should Be Saving You Money.
Not Just Filing Forms.

01

"My CPA just files my taxes. They don't actually help me keep more money."

The Reactive CPA
02

"I don't know if I'm doing everything I can to minimize what I owe the IRS."

The Hidden Overpayment
03

"I have no idea if my retirement will actually cover me."

The Quiet Worry
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The GFS Difference

Your Virtual Family Office.
Five Disciplines. One Trusted Team.

Most CPAs handle taxes. Wealthy families have always had something better: a coordinated team of advisors. We bring that same model to South Florida business owners and pre-retirees.

i

Wealth Management

Strategic investment planning aligned with your tax picture and your retirement timeline. Your money works toward one plan, not three different ones.

ii

Proactive Tax Planning

Year-round strategy. Not a once-a-year filing. We look forward to find every legal way to reduce what you owe, for this year and the next ten.

iii

Risk Mitigation

Protect what you've built. Insurance review, asset protection, and contingency planning so a single event doesn't undo decades of work.

iv

Legal Services

Estate planning, business structure, and entity strategy. Coordinated with your tax plan so the documents actually do what you think they do.

v

Business Advisory

Part-Time CFO services for owners. Cash flow, exit planning, and succession, guided by a CPA who has seen it for 35 years.

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Frank Gutta, CPA, PFS
Meet Your Advisor

Meet Frank Gutta, CPA, PFS

"Frank Gutta is a nationally-known and highly-respected Certified Public Accountant and Personal Financial Specialist."

  • Certified Public Accountant, 35+ years of practice
  • Personal Financial Specialist (PFS) designation
  • Founder of Gutta Stewart Ferrer & Schemidt, Weston, FL
  • Strategic partnership with Fran Tarkenton, NFL Hall-of-Famer, on safe retirement solutions
  • Architect of the Virtual Family Office model serving South Florida
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0+
Years Of CPA Practice
$0K
Saved For A Single Client
0
Disciplines Under One Roof
Real Outcomes

When A CPA Actually Looks Twice.

Three real client situations from our practice. Each one is what proactive planning looks like, not just filing what of just filing what's in front of you.

"
Retirement Planning

A Schoolteacher, A Widow, And Six Months To Retirement

A schoolteacher retiring in 6 months, recently widowed, came to us worried she would outlive her savings. We structured a plan that delivered guaranteed income of $1,500 per month above her living expenses, with long-term care coverage built in.

Result: Lifetime income certainty + protection.
"
Tax Resolution

A $26,000 Tax Bill That Wasn't Real

A foreign national came to us being told by a large CPA firm that he owed $26,000 in taxes. We pulled the return apart, found the calculation was erroneous, and refiled. Instead of paying $26,000, he received a refund of $1,800.

Result: $27,800 swing in the client's favor.
"
Capital Gains Strategy

The $175,000 Capital Gains Tax She Didn't Owe

A widow from Connecticut was told she owed $175,000 in capital gains tax on inherited assets. We applied the step-up in basis rule that her previous advisor had missed entirely. Her actual tax owed: zero.

Result: $175,000 saved. Legally. With one rule.

These are anonymized client scenarios published on the GFS CPAs website. Individual results vary based on facts and circumstances.

What We Do

Built For Owners And Pre-Retirees.

Every engagement starts the same way: a complimentary strategy call to find what's missing in your current plan.

01

Proactive Tax Planning

Forward-looking strategy that finds savings before the year ends. We look at your business, your income, your entity, and your timeline.

02

Part-Time CFO Retainer

For business owners who need senior financial leadership without a full-time hire. Cash flow, forecasting, and exit planning.

03

Safe Retirement Planning

Built in partnership with Fran Tarkenton. Guaranteed income strategies designed to protect retirees from market downturns.

04

Virtual Family Office

Five disciplines under one team: wealth, tax, risk, legal, and business advisory. Built for clients who want a single coordinated plan.

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Is This For You?

This Is For You If…

We are selective about who we work with, because we deliver real, measurable outcomes. Here's who fits.

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Common Questions

Answered Before You Ask.

How is this different from my current CPA?+
Most CPAs are reactive. They take the year that already happened and report it to the IRS. We work the other direction. We look forward: at your business, your income, your entity, and your retirement, and build a plan to legally reduce what you owe before the year is over. Filing is the last step, not the only step.
What does the Virtual Family Office actually mean?+
It means five disciplines under one team: Wealth Management, Tax Planning, Risk Mitigation, Legal Services, and Business Advisory. The wealthy have always had this. We made it available to South Florida owners and pre-retirees so your tax plan, your investments, and your estate documents actually agree with each other.
What does it cost?+
The strategy call is free. After that, engagements vary based on what you need: annual tax planning, a Part-Time CFO retainer, or a full Virtual Family Office relationship. We will quote a clear, flat price after the strategy call. No surprises.
How quickly can you start saving me money?+
It depends on your situation. Some clients see immediate impact, like the foreign national who came in with a $26,000 tax bill and walked out with an $1,800 refund after we caught an error. Others see the largest impact in retirement, where the right structure compounds for decades. We'll give you an honest assessment on the strategy call.
Do I need to be local to work with you?+
No. Our office is in Weston, Florida, and we serve clients across the country. The widow from Connecticut who saved $175,000 in capital gains tax was never local. We work in person when you want it and virtually when you don't.
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Your Next Step

One Call. Real Answers.
No Pressure.

A complimentary strategy call with Frank's team. We'll review your current situation, find the gaps your current advisor missed, and tell you exactly what we'd do, whether you hire us or not.

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No obligation. No sales pitch. Just a real conversation.