Fran came to Ghirardo CPA in January 2008. Prior to joining the team she worked in Broker Approval for Homecomings Financial, a wholesale funding division of GMAC Mortgage. Fran has an AA from Santa Rosa Junior College, and has also studied at College of Marin and Regent University. Fran is also a licensed Real Estate agent.

Born and raised in Marin County, Fran now lives in Petaluma where she’s been since 1984. She has two grown children, a son and a daughter. In her spare time Fran enjoys being outdoors hiking, going to the beach, and working on her home’s interior design and garden.

Ghirardo CPA

Ghirardo CPA, a tax, accounting, and business services firm serving individuals and closely held businesses, is located in Northern California's beautiful Marin, Sonoma, and Napa Counties, with its main office in Novato. Founded in 1990, Ghirardo CPA is home to a talented group of finance and accounting professionals with various specialties, providing clients with a wide range of expertise.

Ghirardo CPA provides tax & wealth planning, auditing, accounting services and business & real estate consulting services to Individuals, Businesses, Partnerships, Estates, Trusts, Corporations in Marin County, Sonoma County, Napa County, San Francisco and the SF Bay Area. Many of our accounting clients are located in Novato, San Rafael, Mill Valley, Sausalito, Tiburon, Belvedere, Corte Madera, Greenbrae, Larkspur, Santa Rosa, Petaluma, Sebastopol, Kenwood, Sonoma, Healdsburg, Napa, St.Helena.

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At Ghirardo CPA, we work hard to earn and keep your trust, so you can make important financial decisions with confidence. We'll provide the personal attention and excellent service you deserve.

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Corporate Transparency Act — Beneficial Ownership Information Reporting

The Corporate Transparency Act (“CTA”) was enacted January 1, 2021, as part of the National Defense Authorization Act, representing the most significant reformation of the Bank Secrecy Act and related anti–money laundering rules since the U.S. Patriot Act. The CTA is intended to address and guard against money laundering, terrorism financing, and other forms of illegal financing by mandating certain entities (primarily small and medium size businesses) to report “beneficial owner” information to the Financial Crimes Enforcement Network (“FinCEN”).

Ghirardo CPA provides tax services, wealth planning services, business and real estate consulting services to Individuals, Businesses, Partnerships, Estates, Trusts, Corporations in Marin County, Sonoma County, Napa County, San Francisco and the SF Bay Area. Many of our accounting clients are located in Novato, San Rafael, Mill Valley, Sausalito, Tiburon, Belvedere, Corte Madera, Greenbrae, Larkspur, Santa Rosa, Petaluma, Sebastopol, Kenwood, Sonoma, Healdsburg, Napa, St.Helena.

Francesca Madden