Business owners: you’re great at what you do.
Now get serious about your finances.
T&M CFO gives you the financial systems, reporting, and guidance to stop reacting to your numbers and start making decisions with them.
HOW IT WORKSMost businesses don’t need more accounting. They need a better financial foundation.
We work through a structured progression — and where you enter depends on where things are breaking down.
01
Foundation
Clean books. Structured systems. A reliable close.
02
Visibility
Reporting that reflects actual performance.
03
Planning
Forecasting, scenario modeling, and structured decision-making.
04
CFO
Financial leadership, execution, and accountability.
You built something worth running well. We help you do that.
Most business owners didn’t sign up to be their own CFO.
When you started your business, you were focused on the work —delivering your product or service, building your team, keeping customers happy. The financial side was always something you’d figure out later.
For a lot of owners, later never really comes. The business keeps growing, the decisions get bigger, and the financials stay a step behind. The business ends up taking more of your time and more of your money than it should.
That’s what T&M is about. Time and money — the two things a well-run financial operation should help you take back. Because the goal is not accurate books. It is control.
Where do you start?
Not every business starts in the same place.
-
Foundation
Getting to reliable financial systems
Your books are behind, inconsistent, or something just feels off. We start here to build a base you can actually trust.
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Visibility
Turning data into a clear picture
You have decent books but no real picture of performance. We build the reporting that tells you what’s actually going on.
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Fractional CFO
Leading into high-impact decisions
You need more than reports. You need someone in the room helping you make the call.
Who we work withSmall and mid-sized businesses with real operational complexity
If you're running a growing business where the financial decisions are getting bigger and your current systems aren't keeping up, you're the right fit. We work best with owner-led companies between $500K and $10M in revenue who need more than a bookkeeper but aren't ready for a full-time CFO.
We have deep experience in construction, trades, and disability services (IDD/DSPD) — industries where compliance, project economics, and cash flow management make financial structure non-negotiable. But the problems we solve show up across industries.