Kram & McCarthy Chartered

A Trusted Tax and Financial Planning Partner for Over 35 Years

Kramer, McCarthy, Ayers & Frost (KMAF) is a respected accounting firm serving clients throughout Maryland, on the blockchain, and beyond. Founded in 1983, we are proudly the longest-running accounting firm in Queen Anne's County. Our team of experienced professionals combines dependability, professionalism, and a deep understanding of the modern financial landscape to deliver tailored solutions for individuals and businesses alike.

Our Philosophy: Cost-Conscious Accounting for Smart Strategies

We recognize that every client is different, with unique financial goals and challenges. Our approach is simple: to deliver customized solutions that are tailored to each client's needs while remaining mindful of their financial investments. We leverage technology and analytics to identify tax-saving opportunities, optimize your financial planning, and streamline your accounting processes.

Business Services

• Comprehensive accounting & bookkeeping services
• Business advisory and planning
• Succession and exit planning
• Financial analysis and projections
• Tax compliance and consulting

Individual Services

• Individual tax preparation and planning
• Wealth management and financial planning
• Retirement planning
• Estate planning and probate
• Tax controversy and dispute resolution

Our Team

Our diverse team of professionals brings extensive expertise in accounting, taxation, financial planning, and law to KMAF. We are committed to understanding your unique needs and providing personalized guidance with a focus on transparency and open communication.

Why Choose KMAF?

• Experience and Expertise: Decades of experience in all aspects of accounting, taxation, and financial planning.
• Client-Focused Approach: We prioritize understanding your individual needs and delivering personalized solutions.
• Cost-Conscious Solutions: We believe in providing value and transparency, ensuring your financial investment is justified.
• Dedicated Team: Our professionals are highly skilled, experienced, and committed to your success.

Schedule a Consultation Today

Take control of your financial future. Contact KMAF today and schedule a consultation to discuss your unique needs. We look forward to partnering with you and achieving your financial goals.