Run your business — don’t let it run you

T&M CFO helps you take control of your financial systems and strategy, optimizing your TIME & MONEY. Turn scattered data into clear insight so your business works for you.

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CFO Support Services

  • Flowchart with interconnected circles and a gold clock icon.

    Financial Strategy & OKRs

    Set clear objectives, align OKRs with cash realities, and turn vision into measurable progress.

  • A calculator and a pie chart side by side.

    Budgeting & Forecasting

    Rolling forecasts that adapt to change so you can plan investments and steer cash with confidence.

  • A dollar sign inside a circular arrow, symbolizing money cycle or financial flow.

    Cash flow management

    Know where cash stands, what’s next, and how to extend runway with systems built for daily decisions.

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    KPI Dashboard & Scorecard

    A focused dashboard that tracks what actually drives results. Weekly insights, not noise.

About T&M CFO

Clarity. Rhythm. Focus.

James Sullivan, outsourced CFO. Fractional CFO services in Utah.

T&M CFO was founded on a simple belief: small businesses deserve the same level of financial clarity and strategic insight as large corporations—delivered with the practicality and partnership that small teams value most.

James Sullivan is an experienced financial and tax professional whose background spans Big 4 accounting, SaaS, and private-sector leadership. At T&M CFO, he blends technical precision with real-world insight to help owners turn numbers into direction. James has worked with organizations of various sizes, from Fortune 500 companies to startups, and is bringing his best to support small businesses in Utah

The firm’s guiding principle is simple: help you optimize your Time & Money, two of your critical resources. Through clear systems, measurable goals, and hands-on strategy, T&M CFO helps leaders move from reaction to rhythm, lead with confidence, and build lasting momentum.

Ready to bring clarity and rhythm to your business?

Start the Conversation

Ready for financial clarity?

Every small business deserves clarity and confidence in its numbers. In your consultation, we’ll review your goals, assess your current systems, and outline the best path to optimize your time and money. No pressure, no jargon—just practical strategy.

Frequently Asked Questions

  • An outsourced (fractional) CFO provides the financial clarity and strategy of a full-time CFO, without the full-time cost. As your outsourced CFO, I will analyze your company’s data, design financial systems, and help you as the business owner make better, faster business decisions through forecasting, cash-flow planning, KPI dashboards, and ongoing financial reviews.

  • Bookkeepers record your history. Accountants report it.

    A CFO interprets it, turning your numbers into insight and strategy.

    At T&M CFO, the focus is consistently on forward-looking planning, not just compliance or reporting.

  • Outsourced CFO services are excellent for owners and operators of growing businesses who:

    • Have outgrown basic bookkeeping or QuickBooks reports

    • Feel reactive in managing cash or profitability

    • Need reliable forecasts for growth or financing

    • Want CFO-level visibility but not the cost of a full-time hire

    The systems apply across industries and scale with you as you grow.

  • I offer tiered monthly engagements based on scope and company complexity.

    Each plan includes structured financial reviews, forecasting, KPI tracking, and owner strategy calls.

    Every engagement begins with a discovery call so I can recommend the right plan for your goals.

  • The onboarding follows a simple three-step rhythm:

    1. Discovery: Understand your business, goals, and current financial setup.

    2. System Build: Connect your accounting data, clean up structure, and build dashboards.

    3. Activation: Begin monthly rhythm meetings focused on insights, performance, and growth.

    You’ll see value within the first 30 days.

  • I work directly with QuickBooks Online and integrate powerful tools, such as Fathom reporting and forecasting, to create real-time dashboards.

    My goal is to meet you where you already work, then optimize it for visibility and control.

  • No. Fractional CFO services are meant to be a complement your CPA.

    I focus on internal financial systems and strategic management; your CPA focuses on tax compliance.

    In fact, your CPA will likely appreciate the clarity these new systems will bring at year-end.

  • You can anticipate:

    • Clear cash-flow visibility within the first month

    • 10–20% efficiency improvement through better decision timing

    • Reduced financial stress from not “guessing” each month

    • A system that runs smoothly so you can focus on leading, not reacting

  • Click here to schedule a free consultation. We’ll discuss goals, review your current setup, and map out where CFO support would make the biggest impact.

  • Absolutely. Many of our first calls start that way — we’ll talk through your goals and challenges, and help you see what kind of financial guidance would create the most impact.

Still have questions?

Let’s talk through what clarity could look like for your business.

No pressure — just perspective.

Schedule a 15-minute call

We’ll connect for 15 minutes; no obligations, just clarity.