John Pharr, Certified Public Accountant

09/01/2026

Have you ever looked at your bank account and wondered, “Where did all my money go?” 💸

Sometimes it isn’t one large expense causing the problem. Delivery fees, forgotten subscriptions, food waste, small splurges, and hidden fees can quietly add up.

Our latest article explains five common budget leaks—and simple, realistic ways to start keeping more of your hard-earned money.

Read the full article:
https://www.pharrcpa.com/uncategorized/common-budget-leaks-how-to-fix-them/

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John Pharr CPA Weekly Newsletter Five everyday expenses may be quietly draining your bank account. Accounting • Tax • Business Guidance PERSONAL FINANCE Where Did My Money Go? 5 Common Budget Leak

08/18/2026

Working capital is crucial in determining your business's value. Too much can signify excess, while too little may indicate a need for additional resources. Understanding this balance is essential for business owners. Explore how industry specifics and operating cycles affect working capital in our latest article.

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Email from John Pharr, Certified Public Accountant See how working capital can influence the value of your business. Working Capital & Business Value Working capital may not get as much attention as r

08/11/2026

Starting a business? 💼 Choosing the right business entity can have a lasting impact on your taxes, liability, growth, and long-term plans.

From LLCs and S corporations to partnerships and C corporations, there’s no one-size-fits-all answer. Understanding your options can help you make a more informed decision from the start.

✨ Read our latest article to learn what to consider when choosing the right structure for your business:

👉 https://www.pharrcpa.com/c-corp/choosing-business-entity/

Have questions about your business structure? The Pharr CPA Team is here to help.

📞 850-435-8844
📍 Pensacola, Florida

08/07/2026

https://conta.cc/4fVqcYz

Email from John Pharr, Certified Public Accountant Practical lessons about money, financial habits, and building a more secure future.     We’re pleased to share some exciting news with our clients an

08/04/2026

💰 Think you earn too much to contribute to a Roth IRA? You may have more retirement planning options than you realize.

High-income earners still have several tax-smart strategies available to help build wealth and create greater flexibility for retirement.

In this week's blog, we cover:
✔ Roth 401(k)s
✔ Traditional IRAs
✔ Roth Conversions
✔ Health Savings Accounts (HSAs)
✔ Tax-Efficient Investing

📖 Read the full article:

Compare Schedule E, partnership, and S corporation taxation, including debt basis, inherited property, payroll taxes, and real estate planning.5 Smart Retirement Strategies If You Earn Too Much for a Roth IRA

07/30/2026

🏡 Real Estate Investors: Is Your Tax Structure Working for You?

This week’s blog explains why choosing the right tax structure matters and how it may help protect your investments while improving your overall tax strategy.

Read the full article here:

https://www.pharrcpa.com/deductions/real-estate-investor-tax-structure/

Compare Schedule E, partnership, and S corporation taxation, including debt basis, inherited property, payroll taxes, and real estate planning.Schedule E vs. Partnership vs. S Corporation for Real Estate Investors

07/28/2026

Understanding the distinctions between Schedule E, Partnerships, and S Corporations is crucial for real estate investors. Each structure has unique tax implications and benefits that can significantly impact your investment strategy. Our latest blog post provides an in-depth analysis of these three options, helping you make informed decisions for your financial future. Read more for valuable insights.

07/24/2026

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04/15/2026

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Most of us were handed a diploma but never taught how to handle a paycheck. In this no-nonsense, empowering guide, CPA John Pharr delivers the financial education you should have received in school—but didn’t. Whether you’re fresh out of college, raising a family, or wondering why you still f....