Most CPAs are reactive. They file what already happened and hand you the bill. Tembo is built BY entrepreneurs, FOR entrepreneurs, we plan, strategize, and act as your financial partner year-round so the IRS stops getting more than its share.
If you're grossing $300K+ and still writing massive checks to the IRS every April, the issue isn't your income. It's that your "tax guy" is a tax PREPARER, not a tax STRATEGIST. They're compliance professionals, not growth partners. And that difference is costing you five, six, sometimes seven figures a year.
They file what already happened. No quarterly planning, no entity optimization, no strategy calls. By the time they "find" a deduction, the year is already over.
They treat a $400K entrepreneur the same as a $40K W-2 employee. No S-Corp optimization, no accountable plans, no retirement stacking, no Augusta rule.
You email in March. They respond in May. Meanwhile, you're making business decisions with tax implications nobody is modeling for you.
You don't just need someone who files returns. You need someone who can read your P&L, project cash flow, and tell you what's actually happening inside your business.
Tembo isn't just a tax firm. We're a full financial operating system for entrepreneurs. Our clients get proactive tax strategy, accurate books, and CFO-level insight, without hiring three separate people.
Federal and state tax planning, S-Corp returns, entity structuring, quarterly strategy sessions, and year-round optimization. We plan the year before it happens, not after.
Get StartedClean, accurate, reconciled books, every month. The kind of books that let you make real decisions, not the kind you scramble to rebuild every April.
Get StartedFinancial modeling, forecasting, cash flow planning, strategic consulting. The insight of a full-time CFO without the $250K salary. Rare for a CPA firm. Standard for us.
Get StartedEntity structure reviews, acquisition modeling, compensation strategy, retirement planning. We sit at the table with you, not on the other end of an annual email chain.
Get StartedWe were built by entrepreneurs, for entrepreneurs. That isn't a marketing line, it's the reason everything below is different.
We take a limited number of clients because proactive work requires real attention. Read this honestly, if it's a fit, apply. If it's not, no hard feelings.
No fabricated stats. No recycled testimonials. Just verifiable facts about how we're structured, and why that matters for you.
This isn't about loopholes or aggressive positions. It's about doing what the IRS code already allows, but most CPAs never help their clients execute on.
S-Corp elections. Accountable plans. Retirement stacking. Strategic income timing. Augusta rule. Cost segregation. These aren't gray-area tricks, they're strategies written into the tax code. Most $300K+ entrepreneurs qualify for several of them. Most have never had a single conversation with their CPA about any of them. That's the gap. That's what we fix.
We don't know, not until we look at your returns, entity structure, and P&L. What we can tell you is this: if you're grossing $300K+ and your CPA isn't running quarterly strategy calls, modeling S-Corp vs. sole-prop tax impact, or reviewing entity structure yearly, there's almost always room to find dollars. The free strategy call exists specifically to answer this for your situation. If we can't move the needle for you, we'll say so on the call.
That's fine. The question isn't whether your CPA is a nice person. It's whether they're a tax strategist or a tax preparer. Most are the latter. If you've never had a proactive planning conversation with them, that's your answer. We work with clients who are switching mid-year, and the transition is generally straightforward, we handle the handoff.
No. We work with entrepreneurs across professional services, e-commerce, real estate, trades, coaching, creators, and more. The common denominator isn't industry, it's gross revenue ($300K+) and a willingness to treat tax planning as a year-round activity instead of an April scramble.
A Fractional CFO is a part-time senior financial executive. You get CFO-level thinking, cash flow modeling, financial forecasting, strategic consulting, and acquisition analysis, on a monthly retainer. It's access most growing businesses don't know they can afford.
After the strategy call, if it's a fit both ways, we'll walk you through next steps. For tax planning, the sooner in the year we start, the more we can move. Mid-year is not too late, there are still meaningful levers available even in Q4.
Tembo CPAs is based in St. Augustine, Florida and operates on one core belief: entrepreneurs deserve a CPA who actually understands what it means to run a business. Not just someone who files returns, but someone who thinks about your numbers year-round.
Most CPA firms treat every client the same. Reactive. Transactional. You hear from them at tax time, and that's it. Meanwhile, you're making hiring decisions, investment decisions, compensation decisions, all with real tax consequences that nobody is modeling for you.
Tembo is built differently. We don't just file your taxes. We sit next to you in the arena.
We take a limited number of clients. We do proactive, year-round work. We think like CFOs, not bookkeepers. And we fight, legally, strategically, relentlessly, for every dollar you earned the right to keep.
If that sounds like the kind of partner you've been missing, let's talk.
Apply in 60 seconds. If you're a fit, we'll schedule a free strategy call and show you exactly where the opportunity is in your business. No obligation, no hard pitch, just a real look at your numbers.
See If You Qualify →Limited intake. Serious entrepreneurs only.