Loden, Fraze & Associates: CPA Firm in Clearwater, FL

Last updated May 19, 2026

A Full-Service CPA Firm Serving Clearwater and the Greater Pinellas County Area

Loden, Fraze & Associates has been a fixture in the Clearwater accounting community since 2003, offering a broad range of tax, assurance, and business advisory services to individuals, businesses, and non-profit organizations. The firm operates out of Suite 301 at 15500 Roosevelt Blvd in Clearwater, Florida, and has built its practice around the idea that accounting services should be tailored to each client's situation rather than delivered off a standard shelf.

The firm covers the full spectrum of what a CPA practice typically handles: tax consulting, planning, and preparation; audited financial statements and other assurance work; general accounting; and business advisory services. That combination under one roof is what sets Loden, Fraze & Associates apart from smaller tax-only preparers or bookkeeping shops. Clients who need both a clean audit and forward-looking tax strategy don't have to coordinate between two separate firms.

Over two decades in operation, the firm has earned a place on a ranked list of standout CPA practices in the Saint Petersburg area, appearing among a select group of firms chosen for competence, experience, and trustworthiness from a field of 170 area CPAs reviewed by a local ranking organization.

History and Founding of Loden, Fraze & Associates

The firm was founded in 2003, which puts it past the twenty-year mark as of this writing. That kind of longevity in a competitive professional-services market isn't accidental. Accounting firms that survive two decades tend to do so because clients stay and refer others, and because the principals build systems that hold up through economic cycles, tax-law changes, and shifting client needs.

Starting a CPA firm from scratch requires not just technical credentials but the ability to attract and retain clients in a market where the larger regional and national firms have name recognition and marketing budgets. Loden, Fraze & Associates grew by focusing on personalized service rather than volume, a positioning choice that shaped how the firm operates today.

Since its founding, the firm has expanded its licensed services to include financial planning and investing, money management, and life and health insurance, rounding out what clients can access in a single relationship.

Loden, Fraze & Associates Services and Specialties

The firm describes itself as a full-service accounting practice, and the service list backs that up. Rather than limiting work to annual tax returns, Loden, Fraze & Associates engages clients proactively through planning and operational activities throughout the year. That approach is meaningful for business owners who don't want to hear about a tax problem in April that could have been avoided in October.

Core accounting and tax services include:

• Tax consulting, planning, and preparation for individuals and businesses
• Audited financial statements and other assurance services
• General accounting and bookkeeping support
• Business advisory services

Beyond traditional CPA work, the firm is licensed to provide a broader set of financial services:

• Financial planning and investment services
• Money management
• Life and health insurance

That licensing matters for clients who want integrated advice. When the same firm handles your tax return and your investment planning, the left hand knows what the right hand is doing. A CPA who also understands your portfolio can spot tax-efficient opportunities that a standalone financial planner might miss, and vice versa.

The firm also serves non-profit organizations, a client segment with its own compliance requirements, reporting standards, and governance considerations. Non-profits face Form 990 filings, potential audits tied to grant requirements, and board-level financial reporting obligations. Having a CPA firm experienced with that sector removes the need to educate a generalist practitioner every engagement cycle.

The firm's stated philosophy is to tailor services to each client's needs, a practical commitment that shows up in how engagements are structured. A small business owner needs different things from an accountant than a high-net-worth individual or a mid-sized non-profit, and the firm builds its work around those differences rather than applying a uniform process.

Team and Leadership

Jon Fraze serves as owner of Loden, Fraze & Associates P.A. His name is part of the firm's identity, which signals the kind of principal-led practice where the owner is involved in client relationships rather than delegating everything to staff. That dynamic is often what clients are looking for when they choose a regional CPA firm over a large national one: access to the person whose name is on the door.

The firm's structure as a professional association (P.A.) is standard for licensed CPA practices in Florida, providing the legal framework for offering regulated professional services while maintaining the character of a smaller, relationship-focused firm.

In the Press and Milestones

Two facts stand out when looking at Loden, Fraze & Associates' track record. First, the firm passed the twenty-year mark in 2023, a milestone that relatively few independent CPA practices reach. Second, it has been recognized in a local ranking of Saint Petersburg-area CPAs, selected from a pool of 170 firms reviewed for competence, experience, and trustworthiness. Making the final list of 34 firms from that starting pool represents meaningful external validation in a market with no shortage of accounting options.

• Founded: 2003
• More than 20 years in continuous operation
• Ranked among 34 top CPA firms in the Saint Petersburg area from a reviewed field of 170

Location and Community: Clearwater, Florida

Loden, Fraze & Associates is located at 15500 Roosevelt Blvd, Suite 301, Clearwater, FL 33760. Roosevelt Boulevard is a major commercial corridor in Pinellas County, making the office accessible to clients from across the bay area, including Saint Petersburg, Largo, and the surrounding communities.

The firm's client base reflects the economic makeup of the region: small and mid-sized businesses, individual taxpayers, and local non-profit organizations. Clearwater and the broader Pinellas County area have a diverse business community, and a CPA firm that has operated there for over two decades has seen that community through multiple economic cycles, including the post-2008 recovery and the disruptions of 2020 and beyond.

Serving non-profits alongside for-profit businesses and individuals ties the firm to the civic fabric of the area. Non-profit clients often include community organizations, charities, and mission-driven groups that depend on clean financial reporting to maintain donor trust and comply with grant requirements. That work has a community dimension that goes beyond the balance sheet.

Why Choose Loden, Fraze & Associates in Clearwater

For individuals and business owners in the Clearwater area who want more than a transactional tax preparer, Loden, Fraze & Associates offers a practical alternative. The firm combines the service range of a larger practice with the personalized attention of a principal-led firm, and its twenty-plus years in the market means it carries institutional knowledge of the local business environment that newer entrants simply don't have.

The addition of financial planning, investment services, and insurance licensing means clients can consolidate more of their financial life with a single trusted firm rather than managing multiple advisor relationships. For anyone who values continuity and integrated advice, that breadth is a real practical advantage.