The Process

A clear path from discovery to partnership

Senior financial leadership scoped to the business in front of us, with no full-time CFO overhead. The first conversation gets to a clear read quickly, and the engagement only ramps once the fit is real on both sides.

Start a Conversation View Pricing →

Discovery call

Share your challenges and goals. We listen, assess fit, and outline potential engagement.

30 min · Free · No commitment

Financial assessment

Deep dive into financials, operations, and growth levers. Identify quick wins.

1-2 weeks · Diagnostic report

Custom scope

Tailored engagement plan with clear deliverables, cadence, and success metrics.

Flexible hours · Month-to-month

Embedded partnership

Your fractional CFO integrates with your team, driving results from day one.

Ongoing · Measurable ROI

Four Steps

How the engagement works

Structured for clarity. Designed for speed. Built to deliver results early in the engagement.

Discovery Call

A short, no-cost conversation with J. directly. The point is to understand the business, hear where the financial picture is tight, and say candidly whether a fractional CFO seat is the right move. No pitch deck, no pressure.

Financial Assessment

A careful read of the books, the tax position, and the reporting alongside the operating reality. The output is an honest baseline for owner-operators across professional services, contracting, and nonprofits: what is working, what is missing, what can be addressed first.

Custom Scope

From the assessment, a written scope goes back to the owner. Recurring retainer, defined project, or a fuller interim stretch when the situation calls for it. The owner approves the shape, the cadence, and the cost before any ongoing work begins.

Ongoing Partnership

J. joins the rhythm of the business on a set cadence. Tax planning, cash flow, and reporting move in one coordinated conversation, with a direct line open between sessions when a real decision lands. See the services embedded in your operations for the full scope of the work.

Your Financial Partner

A financial leader who works inside your business

Embedded means J. is part of the financial conversation, not a quarterly visitor. He is present when pricing decisions get made, when a hire is being weighed, when the tax position needs to inform a capital move. The work happens alongside the owner, on the timing the business actually runs on. More about how J. works.

Fractional CFO embedded with a business owner in Monterey for ongoing financial partnership

Why Fractional

Same expertise. Smarter model.

The fractional model brings senior financial leadership to a growing business without the salary, the search, or the long ramp of a full-time hire. The scope adjusts as priorities shift, and the same advisor stays across tax, cash flow, and planning so the strategy compounds rather than resetting each quarter. See how the engagement levels are structured to understand the fit.

CFO-caliber strategy without the search process
Quarterly scope reviews built into the model
No onboarding lag or ramp-up delay
Adapts to seasonal and cyclical shifts
Embedded in your operations not bolted on

Book a Discovery Call

TMG Advisors › Cash Flow 13-Week

Cash Position $0 0%

AR Outstanding $0 0%

AP Due $0 0%

Runway 0 0

Cash Forecast 13 weeks

Working Capital

Receivables 45% Payables 30% Operating 25%

Monthly Burn

Liquidity

85% Quick Ratio

72% Current

91% Coverage

The Approach

Month after month: what you actually get

A recurring leadership session on a fixed cadence, the same financial dashboards each visit, and a forward read of cash and tax on a single calendar. Between sessions the line stays open for decisions that cannot wait. Tax strategy, cash flow, and reporting move together as one coordinated picture.

Structured CFO meeting cadence
Financial dashboard you actually use
Direct access via phone and email
Monthly financial review sessions
Integrated tax and cash flow strategy

View Services

KPI scorecard

KPI	Target	Actual	Δ
Revenue	$210K	$224K	+6.7%
Margin	32%	34.2%	+2.2pp
Cash flow	$28K	$31K	+10.7%
AR days	30	38	+8d
Utilization	80%	72%	-8pp

Monthly narrative

What changed? Revenue up 6.7%, AR crept to 38 days

Why does it matter? Cash conversion slowing despite growth

What should we do? Tighten collections, review payment terms

Next review

✓ KPI scorecard

✓ Cash forecast

✓ Narrative drafted

— Feb action items

Decisions logged 14 this quarter

AR alert 38d → 30 target

3 of 5 KPIs on target

Your Fractional CFO

Meet the person who’ll lead your engagement

J. Alan Fagan

Fractional CFO

J. Alan Fagan founded The Mattox Group in Monterey and has spent nineteen years guiding California Central Coast owner-operators through tax strategy, IRS representation, and proactive financial planning. He carries the Enrolled Agent license, is an NTPI Fellow, and is a Registered Social Security Analyst. Judy Solberg directs client relations, keeping engagements organized day to day.

EA Monterey, CA

Common Questions

About the process

Walk me through onboarding.

Once the scope is agreed to, the first weeks go to getting current. J. reads the recent financials, gains access to the books and reporting systems, and talks with whoever already handles day-to-day finance. By the first standing session he is working from real numbers, and the earliest priorities are already in motion.

How do you work alongside our current bookkeeper and CPA?

Bookkeeping stays where it is and the existing tax preparer can stay too if the owner prefers. J. reads the output of both, turns it into the decisions in front of the owner, and keeps the planning calendar coordinated so nothing falls between seats.

Do you work with businesses in my industry?

Most of the work tilts toward professional services firms, general contractors and building trades, and mid-sized nonprofits. Owners outside those niches are always welcome to reach out. The discovery call and the assessment surface industry-specific quirks before any recommendations land.

What if our needs shift midstream?

The scope is written to move with the business. When a busier season or a bigger decision pulls more from the seat, the engagement steps up. When the work quiets down, it can step back.

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

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.”

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.

Monterey Bay Fisheries Trust

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.

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.

Sheila Keith