Richman Elite Financial & Realty Services
Financial, Business, and Real Estate Support—All in One Place
Richman Elite Financial & Realty Services helps individuals, families, and entrepreneurs make confident decisions about their taxes, businesses, finances, and real estate goals.
From nationwide tax preparation and business support to Florida and Texas real estate services, REFRS provides personalized guidance through every stage of the journey.
Led by Emmanuella A. B. Richman Founder & CEO, tax professional, Florida and Texas REALTOR®, and notary. Read her story
What REFRS Provides
For individuals, families, self-employed professionals, and entrepreneurs, whether you are filing a return, buying a home, or opening a business.
Nationwide tax preparation
Individual and business returns, filed securely from anywhere in the U.S.
Tax servicesFlorida and Texas real estate
Buyer and seller representation, relocation, and new construction.
Real estateBusiness setup and startup support
Organized formation assistance and mentorship for new owners.
Business servicesBookkeeping and tax planning
Organized books and a plan for next year's taxes.
BookkeepingNotary services
Mobile and remote online notarization in Florida and Texas.
Notary servicesCredit and tradeline education
Understand your credit profile and how tradelines are reported.
Credit educationBusiness funding education
Learn what lenders review before you apply.
Funding educationTax-software sales
Professional tax software for offices with an active EFIN.
Tax softwareWhere We Serve
Serving tax clients nationwide and real estate clients throughout Florida and Texas.
Nationwide
Tax services
Florida & Texas
Real estate services
Florida & Texas
Notary services
Virtual
Business and financial education, where applicable
How to Get Started
Choose your service
Start with the page for what you need: taxes, a home, a business, or notary.
Book a consultation or start your intake
Pick a time on the booking page, or begin the secure intake for your service.
Get a clear plan
We review your situation, explain your options and costs, and map the next steps with you.
Guidance built on faith, integrity, education, and compassion.
Founder Emmanuella A. B. Richman entered real estate after watching someone she loved receive poor representation during a home purchase. She built REFRS so every client would understand their options, what things cost, and what happens next.
About REFRS- Led by a REALTOR® with Charles Rutenberg Realty, serving Florida and Texas
- Professional tax preparation for clients nationwide
- Help in English, Spanish, and Haitian Creole
- Every return reviewed and approved by you before it is filed
- One team for your taxes, business, and real estate goals
Tell us what you are working on.
A tax return, a first home, a new company, a credit plan — start with a conversation and we will map the steps.
Tax Services
Professional Tax Preparation—Wherever You Are
REFRS provides professional tax preparation and support to individuals, families, self-employed professionals, and business owners nationwide.
Clients can receive assistance in English, Spanish, and Haitian Creole, securely and conveniently, no matter where they live.
Who We Serve
- Individuals and families
- Self-employed professionals
- Independent contractors
- Small-business owners
- Clients filing prior-year returns
- Clients needing amendments or extensions
- Clients who received IRS notices
Tax Services
Individual tax preparation
Federal and state returns for individuals and families, with a review for the credits and deductions you qualify for.
Business tax preparation
Returns for self-employed professionals, independent contractors, and small businesses.
Amendments and extensions
Correct a return you already filed, or request more time to file when you need it.
Tax planning
Year-round planning so next filing season has fewer surprises.
IRS notice support
Help understanding an IRS letter and preparing the response it asks for.
Prior-year returns
Catch up on returns from previous years that were never filed.
Secure virtual tax preparation
Upload documents and approve your return from anywhere in the country.
Bookkeeping support
Organized records that make business returns faster and more accurate. Bookkeeping services
How It Works
Complete the secure tax intake form.
Upload your identification and tax documents.
A professional tax preparer reviews your information.
We contact you regarding questions, credits, and deductions.
You review and approve your completed return.
Your return is electronically filed after authorization.
Tax Help in the Language You Understand
REFRS proudly assists clients in English, Spanish, and Haitian Creole. Our goal is to make tax preparation understandable, convenient, and less stressful.
English
English
Español
Spanish
Kreyòl Ayisyen
Haitian Creole
File From Your Phone
Download the TaxesToGo app to upload your documents, sign, and track your return from your phone.
Tax Questions
Do I need to live in Florida to file with REFRS?
No. REFRS prepares returns for clients nationwide. You complete the secure intake, upload your documents, and approve your return from wherever you live.
How do I send my documents securely?
Upload them through the secure tax intake or the TaxesToGo app. Please do not email or text tax documents, Social Security numbers, identification, or financial information. If more documents are needed, our team will send you a secure upload link.
Can I get help in Spanish or Haitian Creole?
Yes. REFRS assists clients in English, Spanish, and Haitian Creole.
Is my return filed before I see it?
No. You review and approve your completed return, and it is electronically filed only after you authorize it.
Refund tools
Estimate what your federal return looks like before you file, then track the refund once it is on its way.
Refund Calculator
A quick federal estimate. Enter what you know — the numbers update as you type.
Estimated federal refund
$0
- Standard deduction$0
- Taxable income$0
- Tax before credits$0
- Child & dependent credits$0
- Earned income credit$0
- Federal tax withheld$0
Estimate only. It assumes the standard deduction and wage income, and leaves out state tax, self-employment tax, education and energy credits, itemized deductions, and the senior deduction. Your filed return is what counts.
Where’s My Refund?
Check your federal refund status securely on the official IRS website.
Check Refund StatusYou’ll need your SSN or ITIN, filing status, and exact refund amount.
Purchase Tax Software
REFRS offers professional tax software for tax offices and independent preparers.
Active EFIN required. Tax-software purchasers must have an active Electronic Filing Identification Number (EFIN). EFIN approval is determined by the IRS.
Interested in Becoming a Professional Tax Preparer?
Build valuable tax-preparation skills and join a supportive team committed to professional growth, compliance, education, and excellent client service.
Start My Tax Intake
The intake takes a few minutes. A professional tax preparer reviews everything before your return is prepared.
See our Tax Disclaimer and Privacy Policy.
Join the REFRS Tax Team
Become a Professional Tax Preparer With REFRS
Build valuable tax-preparation skills and join a supportive team committed to professional growth, compliance, education, and excellent client service.
Who This Opportunity Is For
- People new to tax preparation who want to learn a skill that pays every season
- Experienced preparers who want training, software, and support behind them
- Bilingual professionals who can serve clients in Spanish or Haitian Creole
- Entrepreneurs working toward their own tax office in the future
Training and Support Included
Eight-week professional tax training
Core training on individual returns, common credits and deductions, and the documents clients bring in.
Tax software and TaxesToGo
Hands-on setup and walkthroughs of the tax software and the TaxesToGo client app.
Compliance and due diligence
How to verify identity, document your work, meet due-diligence requirements, and protect client information.
Client-service workflow
The REFRS intake, review, and approval process, so every client has the same professional experience.
Business-building support
REFRS CRM access, client acquisition and marketing support, and mentorship as you grow your client base.
Ongoing education
Continuing education resources as tax law and IRS procedures change, so your knowledge stays current.
Eligibility
- At least 18 years old
- Able to obtain and maintain an active PTIN with the IRS
- Willing to complete REFRS training before preparing client returns
- Committed to accuracy, confidentiality, and compliance
Technology requirements
- A laptop or desktop computer that meets the tax software's system requirements
- Reliable high-speed internet
- A smartphone for two-factor authentication and client communication
- A private, secure space to work with client information
70/30 Compensation Structure
Your share of preparation fees
70/30
You keep 70% of the preparation fees on the returns you prepare. REFRS retains 30% to support software, compliance, training, and operations.
Application and Review Process
Submit the online application. There is no fee to apply.
The REFRS team reviews your application and contacts you within 24–48 business hours.
Qualified applicants are invited to a short conversation with the team.
You receive a decision and, if accepted, your acceptance documents.
Applying does not guarantee acceptance. Application and acceptance are separate steps, and no payment is collected with your application.
Acceptance and $299 Setup Fee
One-time setup fee
$299
Paid only after you are accepted to the REFRS Tax Team.
- IRS and PTIN fees are separate and are paid directly to the IRS.
- REFRS provides PTIN application assistance but cannot guarantee IRS approval.
- EFIN approval is determined by the IRS.
- Tax-software purchasers must have an active EFIN.
Onboarding Process
- 1Sign your acceptance documents and pay the $299 setup fee
- 2Apply for or renew your PTIN, with our assistance
- 3Receive your software, TaxesToGo, and REFRS CRM access
- 4Complete the eight-week training, compliance, and security requirements
- 5Start serving clients with the team behind you
Frequently Asked Questions
Do I need tax experience to apply?
No. Training is included, and new preparers complete it before working on client returns. Experienced preparers are welcome too.
Does applying guarantee a spot on the team?
No. Every application is reviewed, and submitting one does not guarantee acceptance.
When do I pay the $299 setup fee?
Only after you are accepted. Nothing is collected when you apply. Refund terms for the setup fee are included in your acceptance documents.
Do I need a PTIN before I apply?
No. If you are accepted, we assist you with the PTIN application or renewal during onboarding. The IRS decides whether a PTIN is issued, and REFRS cannot guarantee approval.
Does the $299 include IRS or PTIN fees?
No. IRS and PTIN fees are separate and paid directly to the IRS.
What is an EFIN?
An Electronic Filing Identification Number lets a tax office file returns electronically. EFIN approval is determined by the IRS, not REFRS.
Can I buy tax software from REFRS for my own office?
Tax-software purchasers must have an active EFIN. If you have one, ask about tax software.
Can I serve clients in Spanish or Haitian Creole?
Yes, and we encourage it. REFRS assists clients in English, Spanish, and Haitian Creole, so bilingual preparers are a valuable part of the team.
Apply to Join the REFRS Tax Team
The application takes a few minutes. We review every application and contact you within 24–48 business hours.
Real Estate Services
Florida and Texas real estate, explained before you sign.
Emmanuella Richman is a REALTOR® with Charles Rutenberg Realty serving Florida and Texas. First home, next home, relocation, new construction, or an investment property, you will understand what you are signing, what it costs, and what happens next.
Buying or selling?
Buy a Home
Budget, preapproval, down-payment assistance education, touring, offers, and closing.
- First-time homebuyer education
- Down-payment assistance education
- Contract, offer, and negotiation support
Sell a Home
Pricing, preparation, marketing, offers, and closing, with a clear strategy from the start.
- Comparative market analysis
- Professional online marketing
- Offer review and negotiation
More ways I help
Buying, selling, or relocating?
Start with a consultation and leave with a clear plan.
Emmanuella Richman | REALTOR®
Charles Rutenberg Realty
Florida and Texas
Call/Text: 407-587-6476
Email: [email protected]
Search Properties
Find homes in Florida and Texas.
Search by city, ZIP code, price, bedrooms, bathrooms, and property type, then request a private showing.
Live MLS search is being connected. Until it is ready, tell me the city or ZIP code, price range, bedrooms, bathrooms, and property type you want, and I will send you matching listings and set up alerts for new ones.
New Construction
Someone on your side with the builder.
The sales team at a new community works for the builder. Having your own REALTOR® means someone on your side reviewing the contract, upgrades, timelines, and incentives.
How I help new-construction buyers
- Bring your agent to your first builder visit, since many builders require registration at the start
- Compare builder incentives and preferred-lender offers
- Understand the builder contract before you sign
- Stay on top of construction milestones and final walkthroughs
Relocation to Florida
Moving to Florida? Start with a plan.
Get guidance on neighborhoods, commutes, and costs before you arrive, and tour homes privately or virtually.
What to know before you move
- Neighborhood guidance for Central Florida and beyond
- Homeowners insurance and flood-zone questions to ask early
- Down-payment assistance education where programs may apply
- Virtual tours and remote closing coordination
Down-payment assistance programs may be available in Orange, Osceola, Polk, Lake, and Miami-Dade counties. Learn about down-payment assistance
Relocation to Texas
Moving to Texas? Compare before you choose.
Compare areas, understand how property taxes vary by location, and find a home that fits your budget and timeline.
What to know before you move
- Area comparisons based on your work, schools, and budget
- Property tax rates that vary by county and school district
- New-construction representation in growing communities
- Virtual tours and remote closing coordination
Buyer Services
Your Home-Buying Journey Starts Here
Buying a home is a major decision, but you do not have to navigate it alone. Whether you are purchasing your first home, relocating, exploring new construction, or searching for an investment property, I will guide you through every step.
As a REALTOR® serving Florida and Texas, I help buyers understand their options, prepare financially, find the right property, negotiate confidently, and make informed decisions.
How the Home-Buying Process Works
Schedule your buyer consultation.
Discuss your goals, budget, preferred location, and timeline.
Obtain a mortgage preapproval or confirm proof of funds.
Search for and tour properties.
Prepare and negotiate your offer.
Complete inspections, financing, and appraisal.
Review your final documents and close on your new home.
How I Help Buyers
- First-time homebuyer education
- Florida and Texas relocation guidance
- New-construction representation
- Down-payment assistance education
- Property searches and private tours
- Contract and offer guidance
- Inspection and appraisal coordination
- Negotiation and closing support
Down-Payment Assistance Education
I help buyers explore available down-payment and closing-cost assistance opportunities, including programs that may be available in:
- Orange County
- Osceola County
- Polk County
- Lake County
- Miami-Dade County
Known as the Down Payment Assistance Queen, Emmanuella helps buyers understand which programs may fit their situation and connects them with qualified lending professionals who can determine eligibility.
Down-payment assistance programs are subject to funding availability, income limits, property requirements, lender approval, credit requirements, and program guidelines. REFRS and Emmanuella Richman do not guarantee eligibility, approval, or a specific assistance amount.
Start My Buyer Consultation
Bring your questions about budget, preapproval, assistance programs, and neighborhoods. You will leave with a clear next step.
Emmanuella Richman | REALTOR®
Charles Rutenberg Realty
Florida and Texas
Call/Text: 407-587-6476
Email: [email protected]
Seller Services
Sell Your Home With a Clear Strategy
Selling your home requires more than placing it online. You need the right pricing, preparation, marketing, communication, and negotiation strategy.
I will help you understand your local market, prepare your property, attract qualified buyers, evaluate offers, and move toward closing with confidence.
How the Home-Selling Process Works
Schedule your seller consultation.
Discuss your property, goals, and timeline.
Complete a comparative market analysis.
Develop the pricing and marketing strategy.
Prepare the home for photography and showings.
Launch and market the listing.
Review and negotiate offers.
Manage inspections, appraisal, and closing.
What Sellers Receive
- Personalized pricing guidance
- Comparative market analysis
- Property preparation recommendations
- Professional online marketing
- Showing coordination
- Offer review and negotiation
- Contract-to-closing support
- Consistent communication throughout the transaction
Request My Home Value
Start with a comparative market analysis based on what is actually selling near you, then decide on timing with the numbers in front of you.
Emmanuella Richman | REALTOR®
Charles Rutenberg Realty
Florida and Texas
Call/Text: 407-587-6476
Email: [email protected]
Business Services
Start, Structure, and Grow Your Business
Starting a business can feel overwhelming when you are unsure which steps come first. REFRS provides organized business-formation assistance to help entrepreneurs establish a strong and professional foundation.
What This Service Includes
Business-formation assistance
Help understanding the common structures (LLC, corporation, partnership, sole proprietorship) and organizing the information your formation requires.
EIN application assistance
Guidance through the IRS Employer Identification Number application so you can open accounts and file without a holdup.
State registration support
Support with your state registration, including a checklist of what the state will ask for.
Organizational document templates
Starting-point templates for operating agreements and bylaws that you complete and review for your business.
Business banking preparation
A list of what banks typically ask for, so you walk in ready to open your business account.
Compliance reminders
Reminders for recurring deadlines such as annual reports and renewals, so nothing lapses in your first year.
Startup education and mentorship
Step-by-step guidance on banking, tax obligations, building business credit, and the tools worth paying for as you grow.
Business Setup Package
$599
One-time payment for business-formation assistance and startup mentorship.
- State filing fees, registered-agent fees, and other third-party fees are not included in the $599 and are paid separately.
- REFRS is not a law firm and does not provide legal advice. For legal questions about your business, consult a licensed attorney.
Know what lenders review before you apply.
Funding decisions depend on how your business is set up, its credit history, the documents you can provide, and each lender's own guidelines. We teach you each piece so you can prepare before you apply.
- How business credit is built and reported
- How lenders evaluate how established a business is
- Documents lenders commonly request
- How common funding types differ, from lines of credit to SBA loans
Business funding education does not guarantee approval, a specific funding amount, interest rate, or terms. Lending decisions are made by the lender.
Start My Business
Purchase the Business Setup package, or book a consultation first to ask your questions.
Bookkeeping & Tax Planning
Organized books. A plan for next year's taxes.
REFRS helps self-employed professionals and small-business owners keep clean, current records, so tax season is faster and you always know where your business stands.
Bookkeeping Support
- Recording and categorizing transactions
- Bank and credit card reconciliations
- Profit and loss statements
- Catch-up bookkeeping for past months
- Receipt and document organization
- Tax-ready records at year end
Tax Planning
Planning during the year, not just at filing time, helps you set money aside, understand estimated payments, and avoid surprises in April.
- Estimated tax payment guidance for self-employed clients
- Recordkeeping habits that support deductions
- Mid-year check-ins as your income changes
- A smooth handoff to your tax preparer when it is time to file
Book a Bookkeeping Consultation
Tell us about your business and how your records are kept today. Pricing is confirmed after your consultation.
Notary Services
Reliable, professional, and convenient notarization.
At your location or online, for clients in Florida and Texas. We keep the process simple so your documents get notarized without delays.
Where Notary Services Are Available
Florida
Mobile notary and loan signing
Texas
Mobile notary and loan signing
Online
Remote online notarization where legally permitted
Our Notary Options
Mobile Notary
A commissioned notary travels to your home, office, hospital, or wherever the signing needs to happen.
Request a NotaryRemote Online Notarization
Sign through a secure, identity-verified video session, where remote online notarization is legally permitted for your document.
Request a NotaryLoan Signing
Loan document packages handled carefully, with each page presented and signed in order.
Request a NotaryDocuments we notarize
- Affidavits
- Power of Attorney
- Estate & will documents
- Loan documents
- Real estate forms
- Contracts & agreements
- Business documents
- Medical forms
Fees
Notarization fee
State max
per notarial act
Set by Florida or Texas law. We never charge more than the state allows per notarial act.
Travel fee
From $75
mobile appointments
Based on distance and time to your location.
Convenience fee
Quoted
when applicable
For same-day, after-hours, or weekend appointments.
Printing & scan-back
Quoted
per package
Printing your documents and returning scanned copies.
Loan-signing service
From $275
per loan package
Signing-agent service for complete loan packages.
The notarization fee for each notarial act follows Florida or Texas law. Travel, convenience, printing, scan-back, and loan-signing service fees are separate from the notarization fee and are disclosed before your appointment.
A notary public is not an attorney and cannot give legal advice, prepare legal documents, or tell you which document you need.
Request a Notary
Tell us the document, the location, and your timeline, and we will confirm the details and fees before your appointment.
Credit & Tradeline Education
Understand your credit before your next big step.
Learn how credit reports and scores work, what lenders review, and how tradelines are reported, so you can make informed decisions about your credit profile.
What Are Tradelines?
A tradeline is any credit account that appears on your credit report. Some people choose to be added as an authorized user on an established account. Whether and how that account affects your profile depends on your entire credit profile, how and when the account is reported, the scoring model used, and each lender's guidelines.
How it works
- 1We review your credit goals and current profile with you
- 2We explain the options that may fit, including their costs and limits
- 3If you choose a tradeline service, we process your request securely
- 4The account may appear on your report once the creditor reports it; timing varies
- 5You review your updated reports and decide on next steps
Who this education is for
- Preparing to buy a home
- Financing a car
- Planning to apply for a loan
- Entrepreneurs preparing for business funding
- Rebuilding after a rough stretch
- Anyone who wants to understand their credit report
Our options
Four tiers, explained in detail on your consultation before you decide.
Starter Tradeline
Entry tier
Education and options for a thin credit file that is just getting started.
Standard Tradeline
Most common
Options for clients preparing for an upcoming credit application.
Premium Tradeline
Established accounts
Options with longer account history and higher limits.
Custom Package
Built for you
Tailored to your situation when none of the standard tiers is the right fit.
Credit and tradeline results vary. REFRS does not guarantee a specific credit-score increase, loan approval, funding amount, interest rate, or reporting timeframe. Clients should review all services carefully and seek independent financial or legal advice when appropriate.
Pricing is confirmed on your consultation.
Planning to apply for business funding?
Personal credit is often part of the picture. See what our business funding education covers.
Book a Credit Consultation
Tell us what you are working toward, a home, a car, or business funding, and we will explain your options.
About REFRS
Richman Elite Financial & Realty Services
Richman Elite Financial & Realty Services helps individuals, families, and entrepreneurs make confident decisions about their taxes, businesses, finances, and real estate goals.
Meet Emmanuella A. B. Richman
Emmanuella A. B. Richman
Founder & CEO, Richman Elite Financial & Realty Services (REFRS)
Emmanuella A. B. Richman is the Founder and CEO of Richman Elite Financial & Realty Services—REFRS.
She is a tax professional, Florida and Texas REALTOR®, notary, entrepreneur, military spouse, and mother of two with a passion for helping families and business owners build stronger financial foundations.
Born in Haiti and raised in Central Florida, Emmanuella understands the importance of having trustworthy guidance when making life-changing financial, business, and real estate decisions.
Her journey into real estate began after witnessing someone she loved receive poor representation during a home purchase. That experience inspired her to become the knowledgeable and protective advocate she believed every client deserved.
Her journey into the tax industry began when a friend encouraged her to explore tax preparation. She sat in a tax office to learn more, and what started as a recommendation quickly became a new professional calling.
After three years in the industry, however, Emmanuella realized she was working hard without experiencing the freedom, growth, and ownership she had been told were possible. Instead of giving up, she decided to build something different.
She envisioned creating a table where others could sit, learn, earn, grow, and experience the joy of building something meaningful together.
That vision gave birth to REFRS—a company designed to help individuals pursue financial freedom while connecting clients and entrepreneurs with tax preparation, business support, bookkeeping, credit education, notary services, and real estate guidance through one trusted brand.
Emmanuella leads with faith, integrity, education, and compassion. Her goal is not simply to complete transactions. She wants to help people understand their options, make confident decisions, create income opportunities, and build legacies that can benefit future generations.
Our Offices
Serving tax clients nationwide and real estate clients throughout Florida and Texas.
Tax and Business Office
Richman Legacy LLC
Richman Elite Financial & Realty Services
111 N Orange Ave, Suite 800, #17087538
Orlando, FL 32801
Real Estate Brokerage Office
Emmanuella Bell Richman, REALTOR®
Charles Rutenberg Realty
631 S Orlando Ave, Suite 200
Winter Park, FL 32789
Book a Consultation
Tell us what you are working on and we will map the steps together.
Contact REFRS
How can we help?
Serving tax clients nationwide and real estate clients throughout Florida and Texas.
Reach Us
Richman Elite Financial & Realty Services
Call/Text: 407-587-6476
Email: [email protected]
Website: refrs.services
Client portal: connect.refrs.services
REFRS: @refrs_official | Real Estate: @soldbymrsrichman
Tax and Business Office
Richman Legacy LLC
Richman Elite Financial & Realty Services
111 N Orange Ave, Suite 800, #17087538
Orlando, FL 32801
Real Estate Brokerage Office
Emmanuella Bell Richman, REALTOR®
Charles Rutenberg Realty
631 S Orlando Ave, Suite 200
Winter Park, FL 32789
Please do not email or text tax documents, Social Security numbers, identification, or financial information. If documents are needed, our team will send you a secure upload link.
Start in the right place
File my taxes
Start the secure tax intake form.
Start My Tax IntakeBuy a home
Florida and Texas buyer consultation.
Start My Buyer ConsultationSell a home
Find out what your home is worth.
Request My Home ValueStart a business
Business setup and startup support.
Start My BusinessBookkeeping
Organized books and tax planning.
BookkeepingNotary
Mobile, loan signing, or remote online notarization.
Request a NotaryCredit and tradelines
Credit and tradeline education.
Credit educationJoin our tax team
Become a Professional Tax Preparer.
Apply to JoinPolicies
Policies & Disclaimers
How Richman Elite Financial & Realty Services handles your information, and what to know about each service.
Last updated October 2026
Privacy Policy
Richman Legacy LLC, doing business as Richman Elite Financial & Realty Services (“REFRS,” “we,” “us”), respects your privacy. This policy explains how we collect, store, use, share, and protect your information when you use refrs.services, our client portal at connect.refrs.services, the TaxesToGo app, or our services.
Information we collect
- Contact information, such as your name, phone number, email, and mailing address.
- Information you provide for tax services, which can include Social Security or taxpayer identification numbers, identification documents, income and expense records, dependent information, and bank account details for refunds or payments.
- Information you provide for real estate, business, bookkeeping, notary, or credit-education services, such as property details, business details, and the documents needed for your service.
- Website usage information collected through cookies and analytics tools, such as pages visited and the device and browser used.
How we collect it
Through the forms on this website and our client portal, the TaxesToGo app, secure upload links, phone calls, text messages, email, and appointments.
How we use it
- To provide the services you request, including preparing and, with your authorization, electronically filing tax returns.
- To contact you about your request, appointments, and next steps.
- To meet legal, regulatory, and professional requirements.
- To operate and improve our website and services.
How we share it
We do not sell your personal information. We share it only as needed to provide your service or as required by law, for example with the IRS and state tax agencies when you authorize a filing; with service providers that help us operate, such as tax software, client-portal, scheduling, payment, and e-signature providers, who must protect it; and with parties to a real estate transaction you are part of, such as lenders, title companies, and closing agents. Tax return information is used and disclosed only as permitted by federal law, and with your written consent where the law requires it.
Mobile phone numbers and text-messaging consent are not shared with third parties for their marketing purposes.
How we store and protect it
We use secure portals and encrypted connections to collect documents, limit access to team members who need the information to serve you, and use administrative, technical, and physical safeguards designed to protect it. We keep information only as long as needed to provide services and meet legal record-keeping requirements. No method of transmission or storage is completely secure, so please use our secure upload links and never email or text sensitive documents.
Your choices
You can reply STOP to any text message to opt out, use the unsubscribe link in any marketing email, and contact us to request access to or correction of your information.
Children
This website is not directed to children under 13, and we do not knowingly collect their information through it.
Contact
Questions about this policy: [email protected] or 407-587-6476. Mail: Richman Legacy LLC, 111 N Orange Ave, Suite 800, #17087538, Orlando, FL 32801.
Terms and Conditions
By using this website you agree to these terms. Website content is general information, not tax, legal, financial, or investment advice for your situation. Each service is provided under its own engagement terms, which control if they differ from this page. We do not guarantee any refund amount, approval, sale price, credit result, or other outcome. Links to third-party sites are provided for convenience, and we are not responsible for their content. Website content and branding belong to REFRS and may not be copied without permission. These terms are governed by Florida law.
Accessibility Statement
REFRS wants everyone to be able to use this website. We aim to meet the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA, and we review the site as we add content. If something on the site is hard to use, call or text 407-587-6476 or email [email protected], and we will help you get the information or service another way.
Tax Disclaimer
Refund amounts and timing are determined by the IRS and state agencies, not REFRS, and are not guaranteed. The refund calculator on this site is an estimate only. Your return is based on the information and documents you provide, and you are responsible for their accuracy and for reviewing your return before you authorize filing. REFRS is not affiliated with the IRS. REFRS is not a law firm and does not provide legal advice.
Real Estate and Brokerage Disclosure
Real estate services are provided by Emmanuella Bell Richman, REALTOR®, licensed with Charles Rutenberg Realty, 631 S Orlando Ave, Suite 200, Winter Park, FL 32789. REFRS tax, bookkeeping, business, notary, and credit-education services are separate from, and not provided by, the brokerage. Listing information is deemed reliable but not guaranteed. Equal Housing Opportunity: we are committed to the letter and spirit of the federal Fair Housing Act and do not discriminate on the basis of race, color, religion, sex, disability, familial status, or national origin.
Texas consumers: Texas Real Estate Commission Information About Brokerage Services | Texas Real Estate Commission Consumer Protection Notice
Down-payment assistance programs are subject to funding availability, income limits, property requirements, lender approval, credit requirements, and program guidelines. REFRS and Emmanuella Richman do not guarantee eligibility, approval, or a specific assistance amount.
Credit and Tradeline Disclaimer
Credit and tradeline results vary. REFRS does not guarantee a specific credit-score increase, loan approval, funding amount, interest rate, or reporting timeframe. Clients should review all services carefully and seek independent financial or legal advice when appropriate. Business funding education does not guarantee approval, a funding amount, or terms; lending decisions are made by the lender.
Notary Disclaimer
A notary public is not an attorney and cannot give legal advice, prepare legal documents, or tell you which document you need. Notarization fees follow Florida or Texas law. Travel, convenience, printing, scan-back, and loan-signing service fees are separate from the notarization fee and are disclosed before your appointment. Remote online notarization is offered only where legally permitted for the document and the signer.
Refund and Cancellation Policy
Refund and cancellation terms depend on the service and are provided in writing before you pay. Third-party fees paid on your behalf, such as state filing fees, IRS fees, and registered-agent fees, are generally not refundable once submitted. To cancel or request a refund, contact [email protected] or 407-587-6476.