Fractional CFO Services

Proactive financial strategy for business owners who are done guessing

J. Alan Fagan has spent nineteen years helping business owners and nonprofit leaders across the California Central Coast turn tax, cash, and reporting into a single connected plan. The work runs from Monterey out to Silicon Valley, San Francisco, Santa Barbara, and Los Angeles, with deep experience serving professional services firms, building-trades companies, and mid-sized nonprofits.

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From Chaos to Clarity

J. Alan Fagan brings tax-forward structure and a steady plan to the businesses he guides.

Who It’s For

Financial strategy built for your stage of growth

J. works with established business and nonprofit owner-operators across Central California, with particular depth in professional services firms, general contractors and building-trades companies, and mid-sized nonprofits. The three situations below cover where most engagements start, and other kinds of owner-led businesses are welcome too.

Established & Growing

Revenue is rising and the team is stretching. The financial habits that worked at a smaller scale start to feel thin, and the owner needs forecasting, tax planning, and reporting that keep pace with the next phase of growth.

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Profitable but Flying Blind

The business is making money, but the owner cannot point to which service lines, projects, or programs are actually carrying it. Clear reporting and a tax-aware view of the numbers turn guesswork into a real basis for decisions.

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Approaching a Transition

A sale, a leadership change, a partner buy-out, or a succession plan is on the table. Clean records, a defensible financial story, and someone who has guided owners through these moments before become the difference between a smooth handoff and a costly one.

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The Problem

Nobody is looking at the whole picture

A tax preparer files the return. A bookkeeper closes the books. An outside advisor may weigh in on insurance or retirement. Each of them does competent work inside their lane, and none of them owns the question of how the pieces fit together for the business.

The result is decisions made in silos: cash positions that surprise the owner, tax moves that get missed because nobody connected them to the year’s results, and money that quietly leaks out where a coordinated financial strategy would have caught it.

How We Fix This
Scattered financial documents on a cluttered desk, the daily reality for owner-operated businesses in Monterey — especially established business and nonprofit owner-operators
The Solution

Your tax strategy, cash flow, and infrastructure. Finally connected.

J. takes ownership of the integrated financial picture: tax planning, IRS representation depth, cash flow, and forward-looking reporting all running through one relationship. The point is fewer surprises at year-end and a steadier basis for the next big decision.

  • Proactive tax planning and execution
  • Scenario modeling for growth decisions
  • Financial dashboards built for your business
  • Structured meeting rhythm
  • One advisor connecting it all
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Revenue growth 3.2x +218% 3-year
Growth trajectory 68.4% gross margin
3-YR
Monterey, CA growth
+12 New clients this quarter
$48K Revenue/client +15%
34% Profit margin
2.8% Churn rate
Revenue by service
Advisory 45% Tax 30% Compliance 25%
Annual target
$1.8M of $2.2M
On track Q4 target
Monthly revenue
J. Alan Fagan, Fractional CFO

J. Alan Fagan

Fractional CFO

J. Alan Fagan founded The Mattox Group in Monterey in 2007 and has spent nineteen years guiding California Central Coast business owners, professional firms, and nonprofits through tax strategy, IRS representation, and forward-looking financial planning. He is an Enrolled Agent, a Fellow of the National Tax Practice Institute, and a Registered Social Security Analyst.

A U.S. Army veteran trained as an Arabic linguist at the Defense Language Institute, J. settled on the Monterey peninsula after his service and built his practice on proactive guidance and steady community involvement.

EA RSSA NTPI Fellow
Judy Solberg

Judy Solberg

Client Relations Director

Recently transplanted from Chicago to the California Central Coast, Judy and her family have made their home along the beautiful Monterey Bay. With a strong foundation in administrative management and client support, Judy brings professionalism, organization, and a client-focused mindset to every aspect of her role. She has built her career on delivering exceptional administrative and customer service support in fast-paced professional environments. Outside of the office, Judy is a devoted wife and proud mother of two teenage sons, as well as the patient owner of a rambunctious dog who keeps the household on its toes. She brings the same level of dedication, balance, and positive energy to her home life as she does to supporting our team and clients.

Client Stories

In their own words

Hear from business owners who transformed their financial strategy.

TMG helps me understand my numbers and why they are important. With their help we have grown 32% over the past year.

WM
Wyatt Miller
President

“TMG helps us make sure we’re on track for long term growth and success in all aspects while ensuring we’re maximizing deductions.”

JD
Joe Davi
President

We outsourced our accounting, tax, and HR compliance to TMG. Thanks to their dedicated team, we are focused on our mission; advancing the social, economic, and environmental sustainability of Monterey Bay Fisheries.

MT

TMG has been providing us tax advice and filing our return for 16 years now. They are knowledgeable, professional, and always looking for ways to help. We’ve seen their business continually grow, which is the ultimate testament to the value they create and the service they provide.

GN
Greg Nakanishi

TMG are beyond wonderful and competent. We thought we were on the hook for $200K in capital gains for the sale of a rental property…J brought our liability down to 60K by digging into our past taxes and found an error our old CPA had made and unclaimed write offs we could take. He’s amazing! We are retired and the 140K we saved by his diligence was so welcomed.

SK
Sheila Keith
20
Nearly 20 Years in Finance
EA
Enrolled Agent
RSSA
Registered Social Security Analyst
$15M +
Average Assets Under Advisory
92 %
Returning Clients
Common Questions

Frequently asked questions

Onboarding is straightforward. After a discovery call, J. takes a short look at the business, current records, and what is pressing in the near term. Most engagements move into active work inside a couple of weeks, and tax deadlines or an urgent situation can pull that timeline in.

Most clients are owner-led businesses and nonprofits roughly in the one to ten million range, often professional services firms, general contractors, or mid-sized nonprofits, though the underlying discipline carries across industries. Engagement levels are designed for businesses at this stage.

The Fractional CFO work sits alongside existing accounting and bookkeeping, not in place of it. If a business already has a bookkeeper or outside CPA they trust, J. coordinates with them so tax strategy, the cash picture, and the reporting cadence stay aligned. If a business needs that support too, The Mattox Group team can handle it.

A consultant delivers a project and moves on. A Fractional CFO stays in the rhythm of the year, working alongside the owner through tax season, growth decisions, and the questions that come up between them. That continuity is where most of the financial value of the role actually shows up.

Engagements are sized to what the business needs and adjust as things change. There is no long lock-in, and either side can step the scope up or down as the year unfolds. To get a clearer picture before booking a call, see how the engagement works.

Curious what a fractional CFO could do for you?

A short first conversation is enough to see whether J. is the right fit for the business and the owner’s goals. No cost, no obligation, just a real read on where things stand.

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