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Introducing: Frank Gramlich, CPA, founder and Managing Member of Xavier Financial Services, LLC

Hello and welcome to Xavier Financial Services!!!  I’m Frank Gramlich, a licensed Certified Public Accountant (CPA), entrepreneur, and founder of Xavier Financial Services (XFS), an accounting and advisory firm based in Palm Beach County, Florida.

I launched Xavier Financial Services with a clear mission: to provide personalized accounting, tax, and consulting services to small business owners, startups, and individuals looking for a trusted financial partner.  If you’re an entrepreneur navigating the complex world of business ownership, or an individual seeking straightforward, professional guidance for your tax or financial needs—you’re in the right place.

 

A 20+ Year Journey in Financial Services

For over 23 years, I’ve dedicated my career to helping businesses and individuals build strong financial foundations.  My professional experience spans public accounting, internal audit, risk management, banking, and financial planning.  I’ve worked with everyone from individuals to large corporations, giving me a well-rounded perspective on the financial challenges businesses face at every stage of growth.

Through all of it, one thing has remained constant: I love helping people succeed.  Whether it’s a startup setting up their first accounting system, a small business owner navigating tax season, or an entrepreneur mapping out their next big move, I’m passionate about providing the clarity, confidence, and peace of mind they need to focus on their goals.

That’s why I founded XFS.  I want to pair big-firm expertise with small-firm attention, and create a place where clients could receive customized advice and hands-on support …  without the bureaucracy or impersonal service.

 

What I Do (And How I Can Help You)

At Xavier Financial Services, we focus on delivering accounting, bookkeeping, tax preparation, and consulting services tailored to startups, small businesses, and individuals.

Here’s how XFS can help you:

  • Startups and Entrepreneurs:  Need help setting up QuickBooks?  Choosing the right accounting software?  Making sure your books are accurate from Day 1?  I work with founders to establish the financial systems they need to scale confidently.

  • Small Business Owners:  I provide ongoing bookkeeping, financial reporting, tax preparation, and business advisory services, so you can stay compliant, manage cash flow, and plan for growth without the headache of doing it all yourself.

  • Individuals and Families:  Whether you’re filing a simple tax return or dealing with a more complex financial situation, I’ll work closely with you to maximize deductions, ensure compliance, and help you understand your tax position.

My approach is collaborative, educational, and solutions focused.  I won’t just hand you a report and wish you luck.  At XFS, we’ll walk you through what it all means, answer your questions, and make sure you feel empowered to make smart decisions for your business or personal finances.

 

A Little About Me (Beyond the Numbers)

I’m a Philadelphia native, raised in South Florida, and a lifelong fan of Philadelphia sports.  I spent much of my adult life in Southeastern PA before moving back to South Florida in 2019.  My parents are nearby, and being close to them has been the most rewarding parts of the move. Returning to Florida has allowed me to blend family, career, and a fresh start. I’m also a grateful graduate of Florida Atlantic University, and it’s been rewarding to reconnect with the community that helped launch my career.

At home, I am the proud father of two boys who inspire me every day.  My time with them is precious, and whether we’re playing, bowling, or just hanging out, they’re at the center of everything I do.

Did someone say sports?  I spent 15 years as a Philadelphia Eagles season ticket holder and tailgate chef.  Rain, snow, or shine, I’ve grilled anything you can reasonably think of on the Lot.  Go Birds!

Outside of work and my boys, I enjoy time with my girlfriend Katie, jogging, bowling, and cooking. I also really love live music.  I believe in balance, in making memories, and in staying grounded.  I strive to incorporate these values into my professional relationships as well.

 

Why I Do This Work

I launched Xavier Financial Services not only to serve clients but to build something lasting for my family and community.

  • I’m motivated by the desire to help people achieve their financial goals.

  • I’m motivated by the dream of building a legacy for my sons.

  • I’m motivated by the freedom of being my own boss.

  • And most of all, I’m motivated by the opportunity to make a meaningful impact on the lives of the people I work with.

When you work with me, you’re not just hiring a CPA.  You will be gaining a partner who’s invested in your success.

 

Let’s Connect

If you’re a small business owner, entrepreneur, or individual looking for:

  • A trustworthy accountant who listens and cares;

  • A financial partner who explains things in plain English; and

  • A proactive advisor who helps you stay ahead of challenges.

…I’d love to talk.

Feel free to explore my website, learn more about the services I offer, and reach out to schedule a consultation.  Whether you’re just starting out, managing growth, or facing an unexpected financial challenge, I’m here to help you keep your financial house in order.  Let’s work together to build something great.

 

Thank you for visiting and welcome to Xavier Financial Services.

 

Frank Gramlich, CPA
Owner & Founder, Xavier Financial Services

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