TFMA LLC - The Free Minded Accounting Group

Our Service Ecosystem

• Tax Prep & Filing: We specialize in high-stakes compliance, from complex S-Corp filings to identifying high-impact deductions like the Stock-to-DAF Arbitrage.
• Bookkeeping & Payroll: Utilizing Digits' Autonomous General Ledger, we reconcile books with accuracy in real-time, ensuring your payroll and daily data are always audit-ready.
• Financial Models & Projections: We don't just report numbers; we build them. We use AI to populate complex Excel models and budgets, providing 24/7 live dashboards for proactive decision-making.
• Cash Flow & Wealth Management: Our focus is on Legacy & Liquidity. We manage your cash flow to fund your lifestyle (like that $3M–$4M home goal) while maximizing tax-free growth through strategies like Backdoor Roth IRA Contributions.
• Entity Formation & General Consulting: From shifting to an S-Corp to hire family members to establishing Family Management Companies, we structure your business for maximum tax efficiency.

CFO Consulting: Operational & Strategic Support

• Bill Pay Assistance & Services: We manage your outgoing obligations to ensure vendors are paid accurately and on time, maintaining your business credit and operational reputation.
• Full Accounts Receivable (AR) & Accounts Payable (AP): Our team handles the end-to-end lifecycle of your cash flow, from invoicing clients to optimizing the timing of your own payments to maximize on-hand liquidity.
• Financial Therapy Meetings: These sessions go beyond the numbers to address the "mental load" of wealth, helping you navigate the emotional stress of high-stakes decisions like miscarriages, home renovations, or career pivots.
• Strategic Bill Pay Integration: By leveraging Digits AI, we sync your AP/AR directly into your live financial models, allowing you to see the immediate impact of every expense on your future tax projections.

How We Conduct Business

"We don't just count your beans; we help you plant the field."

1. Real-Time Clarity: You see your financials as they happen, not 30 days later.
2. Strategic Arbitrage: We look for the "gap"—whether it's using Section 179 for equipment or clearing the 0.5% OBBB floor with a DAF—to ensure you keep more of what you earn.
3. Collaborative Evolution: We act as your Fractional CFO, meeting regularly to adjust your schedules and tax projections as your income scales.
4. No Investment Advice: We optimize your tax and cash flow structures by focusing solely on the accounting and fiscal strategy of your empire.

We chose Digits as our core platform because it's the only accounting software built around real-time data, not monthly closes -- and that matches exactly how we serve clients.

Our Partnership Approach

1. Enhanced Efficiency & Precision We utilize Digits’ Autonomous General Ledger to automate transaction categorization and reconciliation with accuracy. This allows TFMA LLC to move beyond manual data entry and focus on higher-value advisory work, ensuring your projections, evaluations, and reports are grounded in perfectly reconciled data.

2. Real-Time Insights for Better Decisions Digits allows us to provide 24/7 live dashboards and interactive reports that replace static, end-of-month statements. Clients can review their burn rate, revenue trends, and cash flow in real-time, enabling them to make the most accurate strategic decisions at a moment’s notice.

3. Automated Financial Modeling & Budgeting Our team uses Digits’ advanced financial modeling engine to populate all client Excel sheets, budgets, and complex financial models. By integrating live data directly into these models, we eliminate the risk of manual spreadsheet errors and significantly reduce turnaround times for reviewing your financials.

4. Quicker Turnaround Times Digits' AI agents understand the entire accounting workflow, allowing TFMA LLC to reduce month-end close times by up to 30%. This means you receive your financial insights and year-over-year reporting almost instantly, keeping you proactive rather than reactive in your business planning.