Kram, McCarthy, Ayers, & Frost (KMAF) is a Chester, Maryland accounting firm serving individuals, small businesses, corporations, partnerships, nonprofits, sole proprietorships, and estates. The firm’s source materials describe a boutique practice founded in 1983, with CPAs and other professionals providing tax, accounting, and advisory support for clients in Maryland, the Eastern Shore, and beyond.

The firm’s work includes tax preparation and planning, accounting services, bookkeeping, payroll, sales tax, new business formation, and IRS notice or audit help. KMAF also describes support for business and individual financial questions, including advisory and compliance services.

Clients can work with the firm in person or remotely. Its listed credential mix includes CPA, PFS, CFP, MST, and CVA designations across the team, and its materials note experience with both traditional accounting needs and blockchain-related client matters.