Rackers & Fernandez

What Rackers & Fernandez does

Rackers & Fernandez is a privately held, full-service certified public accounting firm headquartered at 334 Jungerman Road in St. Peters, Missouri. Established in 1983, the firm operates as a Limited Liability Company under the legal name Rackers & Fernandez, LLC and delivers accounting, tax, and advisory services to small businesses, closely held corporations and partnerships, individuals (including high net worth taxpayers), and a set of niche verticals including real estate, automobile dealerships, construction, medical practices, and attorneys/law firms. The firm is led by Managing Partner Sergio C. Fernandez (partner since 1996), Partner Mark Horst, CPA, and Director of Tax Larry C. Parkinson, CPA (joined 2010). Service scope comprises three core offerings — Tax Planning & Preparation (year-round proactive tax planning and compliance), Business Strategic Planning (growth strategy, operational efficiency, KPI development), and Accounting Services (day-to-day bookkeeping, payroll processing, QuickBooks consulting) — supplemented by a Client Resources portal with calculators, refund tracker, tutorials, and tax organizers.

The business model is fee-based professional services with quote-based, scope-customized engagements; no publicly disclosed pricing exists. Go-to-market is sales-led and relationship-driven: partners and directors lead client engagements, supported by content marketing (blog articles, tax alerts, newsletter), community involvement, and word-of-mouth referrals. Distribution is direct and regional, with services delivered in person and remotely from a single Missouri office serving the St. Louis and St. Charles County area. The firm operates without a proprietary technology platform, relying instead on widely available professional tools (QuickBooks, secure client portal, remote support). There is no external investment, no parent company, and no subsidiary structure; ownership is held by the partners.

Revenue, headcount, and growth metrics are not publicly disclosed. The firm is classified as having 1–10 employees, has not raised outside funding, and shows no M&A, geographic expansion, or product-line launches beyond incremental advisory capabilities and the 2014 rebrand from RFC Advisors back to Rackers & Fernandez. Strategic positioning relies on partner-led service quality, multi-decade local reputation (including a 2016 Streetscape Magazine "Beyond the Best in Business" award and the managing partner's 40 Under 40 recognition), and membership in the Driving Force national CPA association network.

Name

Rackers & Fernandez

Legal name

Rackers & Fernandez, LLC

Website

https://rf-llc.com

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

1–10 employees

Short description

Rackers & Fernandez is a privately held CPA firm in St. Peters, Missouri, founded in 1983, providing year-round tax planning, business strategic planning, and accounting/bookkeeping/payroll services to small businesses, individuals, and niche verticals including real estate, auto dealerships, construction, medical, and legal clients across the St. Louis region.

Ownership category

akta.pro rank

Product category

Accounting and Tax Services

NAICS

Offices of Certified Public Accountants (541211)

SIC

Services-Management Consulting Services (8742)

akta.pro primary industry

Accounting & Bookkeeping Services (BPAHABAC)

Keywords

• Tax planning services
• Accounting services
• Bookkeeping and payroll
• Business advisory consulting
• CPA firm services

Headquarters

HQ city

Saint Peters

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Professional Services - Tax Planning & Preparation: Year-round tax planning, preparation, and compliance services for individuals and businesses. Provides ongoing tax advisory throughout the year rather than only at filing season.
2. Professional Services - Business Strategic Planning: Business strategic planning, consulting, and advisory services including growth strategy, operational efficiency improvement, and KPI development.
3. Professional Services - Accounting Services: Day-to-day bookkeeping, payroll processing, QuickBooks consulting, and accounting support for businesses of all sizes.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Rackers & Fernandez is a regional CPA and business advisory firm providing year-round tax planning and preparation, business strategic planning, and day-to-day accounting services (bookkeeping, payroll, QuickBooks consulting) to small businesses, individuals, and specialized industries such as real estate, automobile dealerships, construction, medical practices, and legal professionals. The firm delivers partner-led, engagement-based professional services from its St. Peters, Missouri office, emphasizing proactive strategic advisory in addition to compliance work.

Product overview

Rackers & Fernandez is a professional accounting firm offering a unified suite of tax and accounting services. The core offerings include Tax Planning & Preparation (year-round tax planning and compliance), Business Strategic Planning (growth strategy and KPI development), and Accounting Services (bookkeeping, payroll, and QuickBooks consulting). Client Resources (calculators, tutorials, and tax organizers) complement the service delivery. The firm operates as a traditional professional services firm rather than a software product company.

Differentiator

Problem solved

Functional benefit

Products and services

• Tax Planning & Preparation Year-round tax planning, preparation, and compliance services including financial assessment, tax return filing, and ongoing advisory for individuals and businesses. Designed to remove the stress and unknowns of tax season through continuous planning rather than seasonal compliance only.
• Business Strategic Planning Strategic planning consulting to help business owners grow their businesses, manage growth, operate more efficiently, identify key performance indicators, and build plans to reach their goals. Partners and staff work alongside clients through implementation.
• Accounting Services Comprehensive accounting support for businesses of all sizes including day-to-day bookkeeping, payroll processing, QuickBooks consulting, and accounting system implementation, allowing business owners to focus on operations.

Quantifiable outcome

• Client testimonial reports strategic planning resulted in more revenue for company and more money in owner's pocket

Named customers1 record

Segments7 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Driving ForceminorStrategic or Co-development PartnerRackers & Fernandez is a firm representative in Driving Force, a national association of professional CPA firms. This network provides access to resources, expertise, and best practices from independent accounting firms across the country.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Direct peers

• Anders CPAs + Advisors: St. Louis-based mid-market CPA and advisory firm offering tax, accounting, and business consulting to closely held businesses and individuals — the same core service mix and client profile as Rackers & Fernandez, but at a larger multi-office scale.
• MarksNelson: Kansas City/Missouri-based accounting and advisory firm serving small to mid-size businesses and individuals with tax, accounting, and consulting services — same regional market and similar service mix.
• Kemper CPA Group: Midwest-based regional CPA firm providing tax, accounting, audit, and advisory services to small and mid-sized businesses and individuals — directly comparable service stack and relationship-led GTM.
• RubinBrown LLP: St. Louis-based mid-market accounting and advisory firm with industry specializations and partner-led engagements — overlaps with RF on small-business advisory and tax, but at significantly larger scale.
• Mueller Prost CPAs + Business Advisors: St. Louis-area full-service CPA firm serving closely held businesses and individuals with tax, audit, and advisory services — directly comparable in service stack and regional target market.
• Scheffel & Company / Scheffel Boyle: Edwardsville, Illinois-based CPA firm serving small businesses and individuals in the greater St. Louis metro area with tax and accounting services — directly comparable in regional market and service profile.

Broad incumbents

• Brown Smith Wallace (now FORVIS St. Louis): Larger regional accounting firm serving the St. Louis area with tax, audit, and advisory for mid-market companies — competes with RF for advisory engagements and small-business tax clients but operates at materially greater scale.
• Wipfli: Top-20 U.S. accounting and advisory firm with strong Midwest presence serving mid-market businesses — competes for advisory and tax engagements but at much greater scale and broader service portfolio.

Emerging players

• Botkeeper: AI-augmented bookkeeping and accounting service provider targeting small and mid-sized businesses — adjacent competitor specifically threatening the human-only bookkeeping stream that anchors RF's book of business.
• Pilot.com: Tech-enabled bookkeeping and financial back-office services for small businesses and startups — overlapping service category (bookkeeping, accounting) but with a digital-first delivery model that competes for the same client wallet.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Rackers-Fernandez-LLC-1192185977508814

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rackers & Fernandez