We help entrepreneurs, investors, and growth-stage companies structure, scale, and protect their wealth through integrated tax, financial, and investment strategy.
Most accounting firms document your past. We engineer your financial future.
At Max Financial, we integrate tax strategy, financial infrastructure, capital readiness, and investor-minded planning into one coordinated relationship — so every major financial decision works together.
Founded by David Hernandez, CPA — The Accredited Investor CPA™ — a Cuban immigrant who built this practice through Big Four experience at KPMG, 25+ years of management consulting, and faculty positions at FIU, Miami Dade College, and Millennia Atlantic University.
Proactive planning that reduces tax drag and builds structural advantages year over year.
Reporting, forecasting, and dashboards that give you clarity and control at any scale.
Loan readiness, packaging, and lender coordination that turns vision into funded reality.
Entity structuring, 1031 planning, and investor-minded guidance for complex portfolios.
We work with a select number of clients each year to ensure exceptional attention and strategic depth.
$500K to $20M+ businesses seeking structure, strategy, and scalable financial systems. Build smarter, reduce tax drag, access capital.
Owners, developers, and multi-entity investors. We structure investments intelligently, optimize tax outcomes, and coordinate across your portfolio.
High-net-worth clients needing coordinated tax and wealth strategy. As The Accredited Investor CPA™, we protect your wealth and align decisions across entities, assets, and investment vehicles.
Foreign investors and cross-border entrepreneurs operating in the U.S. Bilingual, strategy-led guidance — FIRPTA, EB-5, ITIN, and beyond.
Not the right fit: If you are looking for basic tax preparation or the lowest-cost provider, we are probably not the right firm. Our work is strategic, relationship-based, and designed for clients who value sophisticated guidance over commodity pricing.
Our services are not isolated functions. They are coordinated strategies built to help clients operate, scale, and invest with clarity.
Proactive tax planning built around your business model, not just your last return. We identify structural advantages others miss and implement them before the year ends.
Lenders, investors, and boards fund clarity. We build the financial systems that make your business legible — and give you the visibility to run it confidently.
Over $60M in SBA loans facilitated. We package your financial story, coordinate with lenders, and guide you through every step of the capital process.
Real estate and investor clients need tax planning, entity design, and investment decisions to work in sync. We align all of it under one strategic relationship.
Entity selection, initial tax strategy, accounting system setup, business plan financial modeling, and SBA readiness from day one. Build the right structure before you scale.
CFO-level reporting, tax restructuring as revenue grows, operational financial systems, team planning, and capital readiness for the next phase of growth.
SBA loan packaging, M&A advisory, exit structuring, investor-level reporting, and strategic planning for owners who are buying, selling, or expanding to the next level.
We built this firm for clients who outgrew their last CPA. Here is what makes the relationship different.
CPA, Series 65 Investment Adviser, and Florida Real Estate Broker — coordinated in a single relationship so your tax, investment, and real estate decisions are never siloed.
Multi-entity structures, international operations, real estate portfolios, and investor relationships — we specialize in the situations most firms refer out.
$60M+ in SBA loans facilitated. We know what lenders need, how to build the narrative, and how to get clients funded when other advisors give up.
David teaches at FIU, Miami Dade College, and Millennia Atlantic University. Our clients understand their numbers and the strategy behind them — not just the reports.
Located at 150 SE 2nd Ave in Miami's financial district. Our address signals serious advisory. Our team size ensures you always work with a principal — never a junior associate.
Every client relationship is managed by David Hernandez, CPA — The Accredited Investor CPA™ — directly. You get 20+ years of experience and personal accountability — not a rotation of junior staff.
A selection of client outcomes. Details are representative — specific results vary by client situation and engagement scope.
A Miami-based contractor with $3.2M in revenue needed capital to expand capacity and bid on larger municipal contracts. Previous lender conversations had stalled due to disorganized financials and no projection model.
A physician group operating through a single C-Corp was overpaying in taxes with no retirement or wealth-building strategy. Compliance-only CPAs had never flagged the opportunity.
A Latin American client with three U.S. real estate entities and an operating business had no consolidated reporting, FIRPTA exposure, and no coordinated strategy across investments.
A focused conversation about where you are, where you want to go, and whether we are the right firm to help you get there.
We evaluate your current structure, identify gaps and opportunities, and deliver a clear picture of your financial starting point.
A strategic roadmap tailored to your business stage, industry, and goals — covering tax, capital, reporting, and investment decisions.
We implement, monitor, and adjust alongside you — a continuous advisory relationship that grows as your business grows.
Work with a financial partner who understands strategy, capital, and growth. We work with a limited number of clients to ensure quality and attention.
CPA License AC38148 · Firm License AD68155
Series 65 Investment Adviser · FL Real Estate Broker
Whether you need tax strategy, capital access, CFO-level reporting, or investor planning — the first step is a conversation. Complete this form and we'll be in touch within one business day.