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Your CPA, with a CFO's track record.

Tax, accounting and fractional CFO services for St. Petersburg businesses, led by Doug O'Dowd, CPA, who has run finance at companies from $12M to $65M in revenue [confirm].

Tampa Bay at dawn from the St. Petersburg waterfront, sailboats on moorings and pelicans on old pilings

Tampa Bay, from the downtown waterfront

Doug O'Dowd, CPA, owner of Tax & Accounting By The Bay
Book a Free Consultation
or call (727) 896-1042

years serving Tampa Bay

Experience that most local firms can't offer

Most accountants look backward at what happened. Doug has sat in the CFO chair, negotiating bank financing, closing acquisitions and answering to boards and auditors, so he helps you plan what happens next.

Read Doug's full career story

A hand with a fountain pen underlines a column total on a printed ledger sheet

  1. $12M→$32M

    revenue growth at Lonza while he served as CFO [confirm]

  2. 5

    refinancings negotiated with a national bank [confirm]

  3. 121

    franchisees supported through a rebuilt finance and IT backbone at College Hunks Hauling Junk and Moving [confirm]

  4. 3×

    named to Tampa Bay Business Journal's CFO of the Year list [confirm wording]

Binders on a boardroom table by a window onto palms

How we help

Shallow to deep, by how tangled the problem is — not by importance.

  1. 01 Individual TaxCareful returns and clear advice for owners and families
  2. 02 Monthly AccountingBooks that are current, accurate and useful
  3. 03 Business TaxPlanning all year so April holds no surprises
  4. 04 Fractional CFOSenior financial leadership without a full-time salary
  5. 05 M&A & Due DiligenceSupport when you buy, sell, raise or refinance
  6. 06 IRS Tax ProblemsA calm, qualified advocate when a notice arrives

Outgrown a bookkeeper not ready for a CFO

We work with owner-led businesses in St. Petersburg and across Tampa Bay that have outgrown a bookkeeper but aren't ready for a full-time CFO.

Industries Doug serves: [industries Doug serves]

If that sounds like you, start with fractional CFO services or monthly accounting, and see how engagements are priced.

A cafe owner reviews a printed profit-and-loss sheet at her counter
A brick-paved Old Northeast St. Petersburg street under live oaks, with 1920s bungalows on either side
Doug O'Dowd, CPA, owner of Tax & Accounting By The Bay

Doug O'Dowd, CPA
Owner since 2025

Doug started his career at Deloitte, then spent more than two decades in finance leadership, including as CFO of a pharmaceutical manufacturer, a franchisor and two other companies. Today he brings that experience to owners who want straight answers, not jargon. [confirm Deloitte and years]

More about Doug

Excellent supportive service! All my questions and concerns are promptly answered. Added bonus: Doug and Gabby are always friendly and encouraging!

Joanna M.

Doug and Gabby are outstanding. What stands out most is their responsiveness and willingness to help whenever we have questions. Having that level of support and care is truly invaluable.

Shelby W & Steven O

Doug and Gabby are always available and have been great sounding boards for me on a multiple of issues and situations.

Tela H
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Ready for a clear view of your numbers?

Book a free consultation and Doug will tell you honestly whether and how he can help.

Book a Free Consultationor call (727) 896-1042
Book a Free Consultation