Every part of your financial life, handled with care.
Carr Consulting P.A. helps families, retirees, and business owners with every aspect of money management — from mutual fund investing and retirement planning to estate planning and new business startups. One advisor. Your whole picture.
Seven ways we help you stay ahead of your money.
From your first index fund to your family's estate plan, Carr Consulting P.A. covers the whole financial life — so you don't have to juggle three specialists.
Mutual fund investing
A diversified portfolio matched to your goals, risk tolerance, and timeline — built from quality mutual funds, not commission-driven products.
Income taxes
Personal and business tax preparation, planning, and IRS representation — led by a CPA and IRS Enrolled Agent who speaks the code fluently.
Estate planning
Trusts, gifting strategies, and generational wealth transfer — designed with your attorney, stewarded by us across lifetimes.
Retirement planning
Roth conversions, Social Security timing, and withdrawal sequencing — so your nest egg becomes a reliable paycheck.
Health savings accounts
HSAs are the most tax-advantaged account in the code. We'll help you fund them, invest them, and keep receipts for decades.
Education planning
529 plans, Coverdell accounts, and tax-smart gifting strategies to fund tuition without derailing your own retirement.
New business startups
Entity selection, bookkeeping setup, payroll, quarterly taxes, and valuations — through our sister firms Better Business Services Inc. and Tax Logic. Everything a new founder needs in one place.
Simple, unhurried, human.
Three conversations, then a plan built around what's actually on your mind.
A free first call
Thirty minutes on the phone. Tell us what's on your mind. We'll tell you honestly whether we're the right fit — even if the answer is no.
A plan that's actually yours
We map your goals, cash flow, taxes, and risk. You'll see exactly what we'd do differently — and why — before you commit to a thing.
We stay in your corner
Quarterly check-ins, proactive calls when markets wobble, a real person to text when life changes. That's the whole job.
John M. Carr
President & CEO · Founding Advisor
From Chicago to Auckland to your dining-room table.
John was born in Chicago and grew up in New Zealand. After completing a Bachelor of Commerce at Auckland University, he was recruited by a Fortune 25 company and returned to the United States — where, between 1977 and 1984, he purchased the small bookkeeping firm that became Better Business Services Inc., the nucleus of what is now the Carr family of practices.
Today John is an IRS Enrolled Agent, a Certified Tax Practitioner, and a Certified Valuation Analyst — qualified to value businesses and financial transactions from several perspectives, not just one. That breadth is the point. Most advisors cover investments or taxes or estate work. John has spent four decades learning all three well enough to hold them in mind at the same time.
The best financial decisions don't live in a spreadsheet. They live in a conversation.
The uncommon combination.
Eight designations, one advisor
MBA, CPA, CFP®, CFS, CFE, CVA, EA, CGMA. Breadth most practices can't match.
Taxes & investing, together
We're investment advisors and tax professionals. Your plan reflects both — every time.
Three firms, one conversation
Carr Consulting P.A., Better Business Services Inc., and Tax Logic — coordinated under one roof.
Nearly half a century
In continuous practice since 1977 — through every market, tax code, and economic cycle.
Quietly steady since 1977.
Numbers we're proud of — earned the slow way, over decades of showing up.
One team. Three specialties.
Investment advice, bookkeeping, and tax strategy — separate entities, one coordinated conversation.
Carr Consulting P.A. — Investment Advisors
Fiduciary investment management, retirement planning, estate strategy, and long-term wealth guidance for families and retirees.
Better Business Services Inc.
Bookkeeping, tax preparation, and payroll for small and closely-held businesses. The original Carr practice — in operation since the late '70s.
Tax Logic
Focused tax strategy and IRS representation for complex returns, business owners, and anyone who's outgrown their old preparer.
Things we get asked a lot.
Can you really handle my investments and my taxes?
What does it mean that you're a "P.A."?
Is there a minimum to work with you?
Do you work with business owners?
Do I have to be local to work with you?
Ready for a real conversation about your money?
Pick a time that works for you — we'll meet virtually, listen to what's on your mind, and give you clear, honest guidance. No sales pitch, no pressure.