F&M

What F&M does

F&M CPA, LLC is a privately held, single-location Certified Public Accounting firm headquartered at 752 N State St., Suite 350, Westerville, Ohio. Founded in 2017, the firm is structured as an LLC and is owned and operated by its two principals — Mat M. Piamonte, CPA, CMA (Principal & CEO) and Flor H. Piamonte, CPA, CICA (Principal & COO) — who together hold more than 25 years of combined experience in audit, accounting, financial reporting, and tax services. With a headcount of 1–10, the firm delivers professional services rather than a software product.

The firm offers a broad service catalog: small business accounting and bookkeeping (including monthly reports, P&L, balance sheets, bank reconciliation, payroll, and accounts payable/receivable), tax preparation and planning (individuals, businesses, partnerships, corporations, estates), IRS problem resolution (wage garnishment, bank levies, liens, audit representation, offers-in-compromise, innocent spouse relief), business consulting (strategic planning, feasibility studies, information systems evaluation, M&A advisory), part-time/fractional CFO services, cash flow management, and internal controls reviews. Service delivery is enabled by a cloud-based stack centered on CountingWorks PRO (practice management, secure client portal, document storage, eSign) and QuickBooks as the primary accounting application. A library of more than 100 tax, payroll, and personal finance calculators is also published on the website as a top-of-funnel engagement tool.

Revenue mechanics are built primarily on quote-based, monthly-recurring engagements for SMB clients, supplemented by professional-services fees for tax preparation, IRS matters, consulting, and fractional CFO work. Pricing is not publicly disclosed; clients receive custom quotes after a free consultation. The go-to-market is a sales-led, referral-driven motion supported by content marketing (Learning Center blog and calculators), email newsletters, SEO, social media, and presence on review platforms such as TaxBuzz and CountingWorks — where the firm has held Top 100 status in 2019, 2020, and 2021. Customer segments include small businesses (primary), individuals (primary), taxpayers with IRS problems (secondary), and overseas/remote clients (secondary), with distribution spanning Central Ohio and remote/virtual delivery anywhere in the world.

Name

F&M

Legal name

F&M CPA, LLC

Website

https://fmcpallc.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

F&M CPA, LLC is a privately held, single-location CPA firm in Westerville, Ohio, providing bookkeeping, tax preparation, IRS representation, business consulting, and fractional CFO services to small businesses and individuals across the U.S. and overseas.

Ownership category

akta.pro rank

Product category

Accounting & Tax Services

NAICS

Offices of Certified Public Accountants (541211)

SIC

Services-Management Consulting Services (8742)

akta.pro primary industry

Financial Planning & Analysis Support (Budgeting, Forecasting, Management Reporting) (BPAAAGAJ)

Keywords

• Accounting services
• Tax preparation
• Bookkeeping services
• IRS representation
• Small business advisory

Headquarters

HQ city

Westerville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Accounting & Bookkeeping Services: Monthly accounting and bookkeeping services including financial statement preparation, payroll, accounts payable/receivable, and general ledger accounting. Provided remotely or in-office with subscription-style recurring service delivery.
2. Tax Preparation and Planning: Tax return preparation for individuals, businesses, partnerships, and corporations. Also includes tax planning services and IRS problem resolution.
3. Business Consulting: Strategic advisory services including new start-ups, finance, operations, profit planning, strategic planning, feasibility studies, and information systems evaluation.
4. Part-Time CFO Services: Fractional CFO services providing budget creation, cash flow management, senior-level financial decision making, and tax strategy development for small and medium-sized businesses.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

F&M CPA, LLC provides outsourced accounting, tax preparation and planning, IRS problem resolution, bookkeeping, payroll, business consulting, part-time CFO, cash flow management, and internal controls services to small businesses and individuals. Engagements are delivered by credentialed CPAs and CMAs using cloud-based accounting tools, secure client portals, and eSign, enabling remote service delivery across the U.S. and internationally.

Product overview

F&M CPA, LLC is a single-location CPA firm offering a portfolio of professional accounting and tax services rather than a software platform or modular product suite. The firm's core offerings include Small Business Accounting (encompassing bookkeeping, payroll, and financial statements), Tax Preparation and Planning (covering individual, business, and estate tax matters), IRS Tax Problems resolution, Business Consulting, Accounting & Bookkeeping, Part-Time CFO Services, Cash Flow Management, Internal Controls, and Cloud Accounting. These services are delivered through the firm's own staff and the CountingWorks PRO technology platform. The firm also provides a library of over 100 Tax, Payroll and Personal Finance Calculators as a client resource.

Differentiator

Problem solved

Functional benefit

Products and services

• Small Business Accounting Full-service accounting for start-ups, growing businesses and mature corporations, covering monthly reports, profit and loss statements, trial balance, balance sheets, general ledger reports, bank reconciliation, and payroll reconciliation.
• Tax Preparation and Planning Tax preparation and planning for individuals, businesses, partnerships, corporations, gifts and estates, including out-of-state returns, business start-ups, and estate and succession planning.
• IRS Tax Problems Representation and resolution of IRS tax issues including wage garnishment, bank levy, threatening letters, audit notifications, non-filing, federal tax liens, offers-in-compromise, and innocent spouse relief.
• Business Consulting Advisory services for new start-ups, finance, operations and profit planning, including strategic planning, feasibility studies, information systems evaluation, outsourcing opportunity evaluations, estate planning, and mergers and acquisitions.
• Accounting & Bookkeeping Comprehensive bookkeeping services including accounts payable and receivable, payroll, general ledger accounting, bank reconciliations, financial statement preparation, and financial analysis.
• Part-Time CFO Services Outsourced CFO-level financial management for small and medium-sized businesses, including budget creation, cash flow management, senior-level financial decision making, tax strategy development, and insurance policy reviews.
• Cash Flow Management Cash flow analysis and management including short-term and long-term cash flow projections, historical statement preparation, lines of credit assistance, cash collection acceleration, and payment scheduling.
• Internal Controls Evaluation of internal systems for effectiveness and efficiency, including duty segregation, approval hierarchies, financial transaction record reviews, and employee training program development.
• Cloud Accounting Online accounting service using cloud-based software applications for remote collaboration between entrepreneurs and the firm, with real-time financial data access from anywhere.
• Tax, Payroll and Personal Finance Calculators Library of more than 100 financial calculators covering cash flow, college, credit, home and mortgage, investment, insurance, paycheck and benefits, qualified plans, retirement, saving, and taxation topics.

Quantifiable outcome

• Services at a fraction of the cost of in-house accounting
• +1 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• CountingWorks PROcoreTechnology or IntegrationCountingWorks serves as the technology platform powering F&M CPA, LLC's services, providing the practice management system, client portal, privacy policy framework, and terms of service infrastructure.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Bench: Subscription-based bookkeeping service for small businesses using a proprietary platform plus dedicated bookkeepers. Directly competes with F&M's core monthly bookkeeping service on price, technology, and ease of use.
• Botkeeper: Automated bookkeeping platform combining AI/machine learning with human accountants for SMBs. Overlaps with F&M's bookkeeping and financial statement preparation services and represents a technology-led competitive threat.
• Xendoo: Cloud-based accounting and bookkeeping service for SMBs and entrepreneurs with monthly subscriptions and dedicated bookkeepers. Competes head-to-head with F&M's small-business accounting service on pricing and digital onboarding.
• Pilot: Tech-enabled bookkeeping, accounting, and CFO services for startups and SMBs. Comparable because it targets the same small-business client base with cloud-based bookkeeping and fractional CFO offerings, but at significantly greater scale and with proprietary software.

Direct peers

• inDinero: Outsourced accounting, tax, and CFO services for small and mid-sized businesses, delivered through a cloud platform. Matches F&M's SMB-focused accounting, bookkeeping, and CFO service portfolio with a tech-forward delivery model.
• 1-800Accountant: Virtual national CPA firm providing accounting, tax, bookkeeping, and advisory services to small businesses and individuals. Closely aligned with F&M's remote delivery model and service mix, but with nationwide marketing reach and a larger headcount.

Broad incumbents

• H&R Block: National tax preparation giant with retail, online, and small-business offerings. Overlaps with F&M's individual and small-business tax preparation and represents the dominant scaled alternative in tax services.
• KPMG US: Big Four accounting and advisory firm providing audit, tax, and consulting services, including SMB and individual tax offerings. Broadly comparable industry classification but operates at a fundamentally different scale and client tier than F&M.
• BDO USA: Large global accounting and advisory firm offering tax, audit, and consulting to mid-market and SMB clients. Comparable as an accounting services incumbent serving overlapping SMB and individual segments, though at vastly greater scale.

Regional players

• Cherry Bekaert: Top-30 U.S. accounting and advisory firm with strong Mid-Atlantic and Southeast presence, serving SMBs and individuals with tax, assurance, and advisory services. Comparable as a similarly positioned regional professional services firm with broader capability breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/fmcpallc
• Facebookfacebook.com/fmcpallc
• LinkedInlinkedin.com/company/fmcpallc

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about F&M