F&M CPA, LLC
Historic Uptown Westerville, Ohio
Westerville · Central Ohio · Est. Family-Owned CPA Firm

Every growing business deserves an executive finance team — without hiring one.

F&M CPA becomes a trusted extension of your business, delivering accounting, tax strategy, business consulting, forecasting, and Part-Time CFO leadership through one experienced team headquartered in Westerville, Ohio.

Schedule Your Discovery Meeting Meet Our Team
25+
Years combined experience
CPA · CMA · CFSA · CICA
Designations under one roof
Husband + Wife
Family-owned partnership
Westerville, OH
Headquartered in
An outsourced finance department for
EntrepreneursGrowing BusinessesEstablished CompaniesFamilies & ProfessionalsCentral Ohio Owners
Our story

Built like a family.
Trusted like a financial partner.

F&M CPA, LLC was founded by a husband-and-wife CPA team whose initials give the firm its name. It began with a simple conviction: business owners deserve deeply personal service and executive-level expertise — not one or the other.

Today, F&M is one of Central Ohio's most trusted outsourced accounting and CFO advisory firms — a place where clients gain honest guidance, practical business advice, and long-term relationships they can build a company around.

Highly personalized service
Executive-level expertise
Long-term relationships
Honest, practical guidance
F&M CPA modern office interior in Westerville, Ohio
F & M
A family firm serving Central Ohio families and businesses since day one.
Mat Marlon Piamonte, CPA, CMA, CFSA, CICA — Principal & CEO of F&M CPA, LLC
Principal & CEO
Mat Marlon Piamonte
CPACMACFSACICA
Meet the principal

An accounting principal who thinks like a CFO — and works like a partner.

Mat Marlon Piamonte leads F&M CPA with more than 25 years of combined accounting and financial leadership experience across the firm. Holding CPA, CMA, CFSA, and CICA designations, he brings a rare blend of technical expertise, strategic thinking, and internal-controls discipline to every engagement.

Mat's passion is helping business owners reduce workload and make smarter financial decisions — replacing late-night bookkeeping and reactive tax filings with a real financial team, clear reporting, and a strategic partner who's genuinely invested in the outcome.

Principal & CEO of F&M CPA, LLC
Strategic financial leadership focus
Management accounting & internal controls
Long-term client partnerships
"Our clients don't hire an accountant. They gain a finance department, an advisor, and a partner committed to the long game."
— Mat Marlon Piamonte, CPA, CMA, CFSA, CICA
The team

You're not hiring one accountant.
You're hiring an entire finance department.

An editorial look at the specialists behind F&M — credentialed CPAs, management accountants, tax strategists, and advisors working as one collaborative team for every client.

Mat Marlon Piamonte
Mat Marlon Piamonte
Principal & CEO
CPA · CMA · CFSA · CICA

Financial leadership, CFO advisory, internal controls

"Clients rely on Mat for strategic clarity and executive-level decisions."
Flor Piamonte
Flor Piamonte
Co-Founder & Client Partner
CPA

Client relationships, personalized tax strategy, family finance

"The steady, personal voice behind every long-term client relationship."
AT
Accounting Team
Bookkeeping & Cloud Accounting
QBO ProAdvisors

Monthly close, reconciliations, cloud workflows, payroll oversight

"Your day-to-day back office — accurate, current, and always on."
TS
Tax Strategy Team
Tax Planning & Compliance
CPA-led

Business tax, individual returns, multi-entity planning

"Proactive planning that shapes the year — not just files it."
AD
Advisory Desk
Forecasting & Business Consulting
CMA-supported

KPIs, budgeting, cash flow, management reporting

"The team that turns numbers into decisions you can act on."
CS
Client Success
Onboarding & Ongoing Support
Central Ohio based

Responsive communication, monthly rhythms, technology enablement

"The reason clients say working with F&M feels effortless."
Signature engagement

Leave the back office to us.

You didn't start your business to spend evenings reconciling accounts and wrestling with payroll. F&M removes the financial complexity so you can spend your energy where it actually moves the business forward.

Leave to us
Bookkeeping
Payroll
Financial reporting
Cash flow
Internal controls
Tax compliance
Focus on what matters
Growing
Leading
Hiring
Innovating
Serving customers
Building wealth
Part-time CFO advisory

Executive financial leadership — without hiring a full-time CFO.

Most growing businesses need CFO-level thinking long before they can justify a CFO salary. F&M gives you the strategy, forecasting, and financial leadership of a seasoned executive — on a fractional, right-sized engagement.

CFO Command Center
Live view · Q4
Runway
18.4 mo
+2.1 vs plan
Gross Margin
62.7%
+140 bps
Cash Position
$1.28M
on target
Revenue Pace
104%
of quarterly plan
Strategic forecasting

12–36 month models that connect vision to numbers.

Budget planning

Departmental budgets that actually get followed.

KPI analysis

The three-to-five metrics that predict the quarter.

Cash-flow forecasting

Weekly visibility so payroll and growth never collide.

Financial reporting

Executive dashboards, not just financial statements.

Management accounting

Costing, margin analysis, and unit economics.

Growth planning

Modeling hires, financing, and expansion decisions.

Executive guidance

A senior seat at your leadership table, on retainer.

Who we help

Four pathways.
One trusted team.

Whether you're launching, growing, scaling, or protecting what you've built — F&M meets you where you are with the right level of accounting and advisory.

Entrepreneurs
Launch confidently.
  • Entity & foundation setup
  • Financial systems from day one
  • Stay organized as you scale
Growing Businesses
Build your accounting department.
  • Full accounting function
  • Payroll & internal controls
  • Forecasting & reporting rhythm
Established Companies
Add executive financial leadership.
  • Executive reporting
  • Part-Time CFO engagements
  • Strategic & business consulting
Families & Professionals
Financial confidence for life.
  • Personal tax planning
  • Long-term wealth guidance
  • Trusted, discreet partnership
Services by outcome

How this improves your business.

Every service at F&M is organized around a business outcome — not a task list. Because that's how business owners actually think.

Build Better Financial Systems

The foundation every scaling business eventually wishes it had built sooner.
AccountingBookkeepingCloud accountingInternal controls

Make Better Business Decisions

Turn financial data into a leadership tool, not a rearview mirror.
Part-Time CFOForecastingBudgetingBusiness consultingCash flow

Protect and Grow Wealth

Proactive planning that compounds — for the business and the family behind it.
Tax planningTax preparationFinancial reportingCompliance

Operate More Efficiently

Automate the routine so your team can focus on what actually grows the business.
PayrollTechnology & app stackFinancial processesAdvisory support
Trusted by Central Ohio

The kind of reviews you can't fake or buy.

Clients consistently highlight the firm's knowledge, responsiveness, patience, professionalism, clear communication, and genuine care.

F&M isn't our accountant — they're our finance team. The clarity Mat and his team bring to our monthly reviews changed the way we run the business.
Central Ohio Business Owner
Growing services company
Knowledgeable, patient, and unbelievably responsive. They explain the complicated things simply, and never make us feel like we're bothering them.
Longtime Client
Family & business tax
Genuinely care about their clients. F&M treats our business like it's their own — that's rare, and it shows in every interaction.
Westerville Entrepreneur
Multi-entity operator
What partnership looks like

Onboarding an executive advisor — not filing a form.

01
Discovery Meeting

We listen first. Learn the business, the owners, and the goals behind the numbers.

02
Financial Assessment

A full review of accounting health, tax posture, and financial visibility.

03
Customized Plan

A right-sized engagement — bookkeeping, tax, CFO, or the full outsourced department.

04
Implementation

Systems built, cleanups completed, and the monthly rhythm established.

05
Monthly Guidance

Recurring close, clear reports, and proactive outreach — every single month.

06
Strategic Reviews

Quarterly executive sessions to steer the business, not just report on it.

Learning center

Practical financial leadership, written for owners.

Guidance on cash flow, forecasting, internal controls, payroll, tax planning, and Ohio-specific business finance — from the team that lives it every day.

Cash Flow

Weekly cash flow rhythms for owner-operated businesses.

InsightRead
Business Growth

The financial signals that predict a great next quarter.

InsightRead
Forecasting

Building your first rolling 13-week cash forecast.

InsightRead
Internal Controls

Small-business controls that prevent big-business problems.

InsightRead
Payroll

Ohio payroll: what growing employers keep getting wrong.

InsightRead
Tax Planning

Year-round tax strategy for Central Ohio owners.

InsightRead
Ohio Business

A local operator's guide to Franklin & Delaware County filings.

InsightRead
Financial Leadership

When a growing company should hire fractional CFO help.

InsightRead
Columbus, Ohio skyline at dusk
In the community

Proudly supporting Central Ohio businesses.

F&M is deeply rooted in Central Ohio — partnering with entrepreneurs, families, and growing companies across the region we call home.

Westerville Columbus Dublin Worthington New Albany Gahanna Delaware County Franklin County
Start here

Bring in the finance team your business has been missing.

One short discovery meeting is all it takes to see how F&M can become your outsourced finance department, Part-Time CFO, and long-term business partner.

Office
752 N State St., Suite 350
Westerville, OH 43082
Availability
By appointment · Central Ohio
Schedule Your Discovery Meeting Meet Our Team
F&M CPA, LLC
Personalized Attention. Professional Solutions.
Reach us anytime to start the conversation.