Does this sound like you?

Do you spend hours completing your personal taxes only to worry you’ve missed cost saving deductions?
Do you labor to keep up to date on tax code changes affecting deductions, contributions, medical expenses, limits on retirement contribution and other tax criteria?
Are you ready for a financial strategy that reviews your personal taxes, insurance and retirement needs?
Do you want to do business with a company providing year-round service and support?
And perhaps more importantly, would you like the comfort of knowing your financial decisions are based on professional and personalized advice?

If your answer is yes to any of these questions, MLR Financial is the better way!


MLR Financial Company is dedicated to customer service as we work with you toward meeting your financial goals. We are accredited professionals with more than 15 years of successful financial and tax experience. We provide specialized advice for educators, tax planning, and free e-filing. We’re committed to providing transparent financial analysis and sound tax advice with your future in mind.

The health and safety of the communities we serve are our top priority. We will accommodate your preference and comfort level with a meeting format that works for you. Take advantage of our expert tax services virtually or in our Flagler Beach office.

MLR Financial will continue to be a company that takes time to understand our clients, a company that earns your confidence and puts your needs first. We want you to become part of our family knowing time with us is well spent on your road to financial security. We want to earn your trust!

$99 Promotional Offer for tax preparation services.

Offer applies to Form 1040 for new tax preparation clients, not including EIC, Schedule C, D and E. Ask us for details. Offer available to new clients only.


We’re here to help answer your questions. Financial, insurance, and tax matters can be complicated, our experts are on hand to help inform you of every aspect regarding your accounts. We take great pride in using our expertise for you and look forward to hearing from you.

    MLR Financial Company will help you understand your employer benefits. This is our specialty! We assist with your HDHP, FSA 1, FSA 2, and HSA plans.

    High Deductible Health Plan (HDHP) is a plan with a higher deductible than a traditional insurance plan. While the monthly payment is lower, you pay more in healthcare costs before your insurance company starts to pay their share. This plan can be combined with a health savings account (HSA), allowing you to pay for some medical expenses with tax-free money. For more information about this plan, contact us.

    Another option you can choose through your job is a Flexible Spending Account (FAS 1 or FAS 2) to pay for your co-payments, deductibles, drugs, and some other costs. Using this method can reduce your taxes. A FSA account is a special account you put money into to use to pay any out of pocket healthcare costs. You do not have to pay taxes on this money. You will also actually save money equal to the taxes would have set aside. Your employer may make contributions to your FSA, but they are definitely not required to.

    Here’s a few facts about FSAs:

    1. They are limited to $2,650 per year, per employer.
    2. You can use FSA to pay down deductibles and co-payments
    3. You can spend FSA funds on prescription medications.
    4. You can also cover medical equipment, bandages, and more.

    They recommend to use you FSA within the plan year. You can also receive up to 2 extra months of grace period. This can allow you to carry up to $500/per year to use the following year.

    There is always a Health Savings Account (HSA) which allows to you to set aside money on a pre-tax basis to pay for qualified medical expenses. Sometimes this method can help you lower your overall healthcare costs. These funds cannot be used to pay premiums. Of course, you can only contribute to an HSA if you have a High Deductible Health Plan (HDHP). An HSA may also earn interest, which is also not taxable.