About Harding Bell International, Inc.

We're a well-established tax and accounting, mortgage, and financial advisory firm operating since 2000. We serve our clients from three Central Florida locations, including one in Orange County and two in Polk County.

Our expertise extends to both domestic and international concerns when it comes to investing and doing business in Florida. We work with many local companies and individuals, but also with numerous investors from more than 110 countries around the world.

Mission Statement
Harding Bell International exceeds client expectations with exceptional quality and service driven by knowledge, diligence, honesty, integrity, and professionalism. We provide our employees with a positive and enriching environment, empowering them with tools, education, and training to thrive as experts in their field. We remain leaders in our industry by maintaining state-of-the-art technology and facilities while conducting business ethically, responsively, and professionally.


Matthew L. Bell, CPA

Matt’s been in public accounting since 1997, after graduating magna cum laude from Warner University with a fifth year of accounting from Florida Southern College. He received his qualification as a Certified Public Accountant in March 2002. Over the years, Matt has worked extensively in domestic and international tax planning for US businesses and for foreign investors in US real estate.
He is a member of the American Institute of Certified Public Accountants and the Florida Institute of Certified Public Accountants. In his free time, Matt enjoys spending time with his family at church activities, racing motocross where he is a track pastor for FCA Motocross, and exploring the outdoors.

Stephen H. Bell Jr

A native Floridian, Steve’s been in public accounting since 2004. He has considerable experience working with individuals, corporations, and small businesses, as well as nonresident aliens and foreign corporations investing in US property and businesses. Prior to this, he worked in management for more than 12 years at several large corporations.
Steve earned a BS in Accounting from Webber International University, in addition to a BA in Biblical Studies from Toccoa Falls College. He spends his free time with his two sons, enjoying the outdoors, cheering on his boys at their sporting events, and being involved in his local church.


US Individual Income Tax Return Preparation Domestic & Foreign Partnership & Corporation Tax Preparation

Geoff Hammond
Chartered Accountant & Enrolled Agent

Tammy Elam CPA, Lee Ann Martin CPA
Jim Armstrong CPA, Stuart Snedden EA
Kevin Redling, Landan Bell
Genise McLean, Cathy Pyzner-Davis

FIRPTA Application Processing

Nena Mills
FIRPTA Team Supervisor

Whitney Grant
Michelle Torres


Alan-Harding01Alan established Harding & Associates in October 2000,  Since the mid 1980s, Alan’s been involved in business development and marketing strategies with a number of multinational corporations. Recognizing the need for education in the US investment and vacation home industries, he forged strong relationships with local and state authorities to ensure clients were educated on the latest information and provided thoughtfully personalized service.

Alan and his wife Susan enjoy Central Florida family life with their two sons, Daniel and Adam, a young man with special needs. They’re both involved in fundraising and membership for various charities, including the American Cancer Society’s Relay for Life, Noah’s Ark, and Circle of Friends. The latter two organizations work to enhance the quality of life for children and adults with physical and/or developmental disabilities.

Rob Farmer, Principal Broker, HBI Mortgages LLC

Rob-Farmer01Rob’s been involved in finance and client services since 1980. Before relocating to the US, he was a bank manager, financial advisor, and mortgage broker. He’s worked in Florida as a mortgage broker since 2005, and is experienced in many aspects of property management. Rob is well positioned to assist clients looking to buy investment properties in the Central Florida region.

Nonresident Individual & Disregarded Entity Tax Return Preparation & Compliance

Sheila Nicsinger
Enrolled Agent

Shauna Maggard, Janaea McLean
Amelia Morell, Claudia Nelson
Joan Rodriguez, Hope Turley

Client Services & Administration

Karen Blandford
Office Accounts Manager

Diana Gutierrez, Frank Nicsinger
Amy Romaniello, Brittany Scruggs
Jenni Segovia, Dorcas Watts
Mercades Johnson


Susan-Harding02Susan established Harding & Associates in October 2000.  She has been in accounting since 1990, originally working in the UK in the commercial sector of computer and associated products for large corporations. Since moving to Florida in 1999, she was involved in directing and developing tax and compliance services for nonresident owners of US investment and rental properties at the local, state, and federal levels. She also provides information and education to title companies, management companies, and real estate groups.

Susan is Past President of Noah’s Ark of Central Florida, Inc. a non profit that advocates on behalf of individuals with intellectual or developmental disabilities and provides choices for social and recreational opportunities, meaningful employment and affordable housing in an inclusive community.

Want more information on our services?

Telephone +1 (863) 968-1010
Facsimile +1 (863) 968-1020
Auburndale Office
Harding Bell International, Inc.
113 Pontotoc Plaza
Auburndale, FL 33823-3439
Kissimmee Office
Harding Bell International, Inc.
8687 West Irlo Bronson Memorial Hwy, Ste 206
Kissimmee, FL 34747
Lakeland Office
Harding Bell International, Inc.
114 Palmola Street
Lakeland, FL 33803
Lake Wales Office
Harding Bell International, Inc.
29 State Road 60 West
Lake Wales, FL 33853

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