Melissa M Medlock CPA PA

Melissa M Medlock CPA PA CPA Firm Melissa was born and raised in Vero Beach, Florida. This firm would later merge and become one of the larger regional firms in the Orlando area.

After graduating high school, Melissa moved to Orlando to further her education at the University of Central Florida (UCF). For the next seven years, she pursued a Bachelor’s degree followed by her Master's degree in Accounting, employed and pursuing her career in the same field. Melissa's experience began in the private sector of accounting while working with a Property Management Company located

in Winter Park, Florida. Still not sure private accounting was her niche, her desire to pursue the public accounting side landed her a position with a small firm in the Orlando area working in both domestic and international tax. It was then Melissa discovered her passion for assisting her clients with a multitude of tax and accounting needs. Concluding her education at UCF, Melissa's aspirations lead to her return to Vero Beach, the nurturing community in which she was raised and still adored. She contracted with a local accounting firm, all the while studying diligently for the CPA exam. After passing the exam on her first attempt, she earned her license, Certified Public Accountant, in December 2008. Reflecting on her childhood and high school years, Melissa finds it very important to "give back" to the community which generously provided so much to her throughout her lifetime. She enjoys volunteering with several local nonprofits in Indian River County. Currently Melissa serves on the Board of United Way of Indian River County as Treasurer and the Homeless Family Center Board
Some of her past volunteer activities include:
United Way Loaned Executive
United Way Citizen’s Review Panel – Fiscal Analyst
United Way Campaign Co-Chair – 2010/2011 Campaign
Humane Society of Vero Beach Yuppy Puppy (Young Professional Group)
Homeless Family Center Annual Dinner Committee
American Cancer Society – Strides against Breast Cancer Walk – Team Captain
Outside of her professional life, Melissa is married to Greg Medlock and they have two children, Peyton and Kassidy. When not working, Melissa can be found spending time with family enjoying the Indian River on their boat or at the beach.

Sole proprietors: Are you on top of your federal tax obligations? Even if your business is small, tax compliance and pla...
08/10/2026

Sole proprietors: Are you on top of your federal tax obligations? Even if your business is small, tax compliance and planning are a big deal.

In addition to reporting business income and expenses, you may owe self-employment tax and need to make quarterly estimated payments. You might also need an employer identification number (for example, if you hire employees). State and local income, sales, payroll, and other tax requirements may apply, too. Careful planning can help you maximize deductions and choose the right retirement plan for your situation.

Contact us to learn more about the tax aspects of being a sole proprietor, including the reporting and recordkeeping requirements.

If your child is heading to college this fall, tax breaks may be available. For example, you might be eligible for the A...
08/06/2026

If your child is heading to college this fall, tax breaks may be available. For example, you might be eligible for the American Opportunity Tax Credit (AOTC) of up to $2,500 per student for the first four years of college. But the AOTC is phased out for married joint filers with modified adjusted gross income between $160,000 and $180,000 (between $80,000 and $90,000 for heads of households).

If your child has a tax-advantaged education account, such as a 529 plan, tax-free withdrawals can be taken to pay qualified expenses. But expenses paid with tax-free withdrawals can’t be used to claim the AOTC.

Contact us to discuss these and other tax tips for your situation.

Recent tax law changes made the New Markets Tax Credit permanent. This program encourages private investment in economic...
08/03/2026

Recent tax law changes made the New Markets Tax Credit permanent. This program encourages private investment in economically distressed communities by offering federal income tax credits to qualifying investors.

If your business invests in a certified community development entity (CDE), you may be eligible for a credit equal to 39% of your investment over seven years. Alternatively, your business may benefit indirectly by receiving CDE financing for renovations, equipment, expansion or other eligible projects in qualifying low-income communities.

Contact us to learn more. We can help you estimate the potential tax or financing benefits and comply with the applicable requirements.

Your employees use Form W-4, “Employee’s Withholding Certificate,” to tell you how much federal income tax to withhold f...
07/28/2026

Your employees use Form W-4, “Employee’s Withholding Certificate,” to tell you how much federal income tax to withhold from their pay. Most forms are routine, but an altered certificate, unusual accompanying statement or IRS lock-in letter may require special handling.

Employers generally aren’t responsible for verifying the information employees provide on W-4 forms. However, you must reject invalid forms, apply proper withholding rules when no valid form is on file and follow IRS withholding instructions. Reviewing your payroll procedures now can help prevent costly errors. Contact us for guidance on W-4 compliance and other payroll withholding issues.

Mutual funds offer an easy way to invest in a diversified portfolio. But the tax treatment isn’t so simple.One challenge...
07/28/2026

Mutual funds offer an easy way to invest in a diversified portfolio. But the tax treatment isn’t so simple.

One challenge is that certain mutual fund transactions are treated as sales even though they might not seem like it. Another is that determining your tax basis for shares sold can be complicated, especially if you dispose of only part of your interest in the fund and the shares were acquired at different times for different prices. Also, mutual fund capital gains distributions are generally taxable, even when reinvested in the fund.

If you have questions about the tax treatment of mutual funds, contact us. We can help you be a tax-smart mutual fund investor.

It’s easy to focus on the excitement of a big win. But before you spend lottery, gambling or other winnings, be sure you...
07/24/2026

It’s easy to focus on the excitement of a big win. But before you spend lottery, gambling or other winnings, be sure you understand the tax impact.

Federal tax law generally treats such winnings as taxable income. Knowing the basic rules can help you avoid surprises when you file your 2026 return next year. For example, if you win more than $5,000, generally the payer (lottery agency, casino, etc.) will withhold 24% for federal tax purposes — which may or may not be enough to cover your tax liability — and send you and the IRS a Form W-2G showing the winnings paid and tax withheld.

There also might be state tax consequences. Contact us to learn more.

Effective July 1, 2026, the standard mileage rate for the business use of an eligible vehicle is 76 cents per mile, up f...
07/22/2026

Effective July 1, 2026, the standard mileage rate for the business use of an eligible vehicle is 76 cents per mile, up from 72.5 cents per mile for the first half of the year. How will this increase affect your business vehicle expense tax strategy?

Have you made contributions to charity this year? Are you considering making more? If so, it’s important to be familiar ...
07/21/2026

Have you made contributions to charity this year? Are you considering making more? If so, it’s important to be familiar with the tax rules so you can maximize your tax benefit — or at least avoid finding out at tax filing time that your charitable deductions are smaller than you expected.

What you donate affects how much you can deduct and the limits that apply. For example, cash donations are generally deductible up to 60% of adjusted gross income (AGI) while property donation deductions are typically limited to 30% or 50% of AGI. And nonitemizers can deduct only cash gifts, subject to a $1,000 limit ($2,000 if married filing jointly).

Many additional rules apply. Contact us with questions.

New tax rules may significantly reduce the cost of providing child care to your employees. Starting in 2026, the employe...
07/20/2026

New tax rules may significantly reduce the cost of providing child care to your employees. Starting in 2026, the employer-provided child care credit generally equals 40% of qualified facility expenses (up from 25%), plus 10% of qualified resource and referral costs, up to $500,000 (up from $150,000). Small businesses may qualify for a 50% rate on qualified facility expenses and a $600,000 limit.

The credit may apply to operating your own facility, contracting with a qualified provider or participating in a jointly operated arrangement. But eligibility, additional limits and recapture rules require careful review.

Contact us for help evaluating your options and projecting the credit’s value.

IRS or state tax problems don’t have to derail your business. Many issues can be resolved when they’re addressed promptl...
07/13/2026

IRS or state tax problems don’t have to derail your business. Many issues can be resolved when they’re addressed promptly and strategically.

If you or your business receives a tax notice from the IRS or a state agency, don’t ignore it. Be mindful of the notice’s deadline and work with your tax advisor to prepare supporting documentation and an appropriate response. If you owe back taxes that you can’t pay in full, explore potential relief options, such as a temporary delay in collection due to hardship, an installment agreement or payment plan, or a settlement plan.

We can help you communicate with tax authorities and create a plan to get your business back on track. Contact us to learn more.

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32960

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