Tom is a seasoned operator, investor, and entrepreneur having founded 3 businesses (TD3 Landscaping, TD3 Innovative Gaming, & FFO) and acquired 2 others (The Massapequa Tutor & Bravo Site Services). He founded FFO by leveraging his prior experiences and identifying a critical need for businesses of all sizes to have a strong finance back office with a full-service business advisor to advise leadership on its decision making.

Entrepreneurial Journey
Tom started his career as an entrepreneur with TD3 Landscaping, founded in 7th grade. His passion for building and scaling businesses led to successfully running and growing the company before exiting in 2018, prior to attending the University of Notre Dame. This early experience was instrumental in developing his sales, operations, finance, and leadership skills.

While at Notre Dame, Tom founded TD3 Innovative Gaming in 2020, an ed-tech services business for K-8 students. After a successful exit to Arrayscape Gaming in 2023, he currently serves on their Board of Directors. He also acquired The Massapequa Tutor (TMT) in 2022, which later merged with East Coast Scholars (ECS), where he now serves as Managing Partner and majority owner. Tom led the founding of Bravo Site Services in October 2024, which acquired and restructured a competitor in the construction site services space in December 2024. Post acquisition integration and restructuring, he exited in April 2025 to focus full-time on FFO.

Professional Background
Tom's professional experience includes roles in investment banking at Evercore's NY M&A group, private equity at Great Point Partners in Greenwich, CT, and as Managing Partner at the Kuttin Family Office on Long Island, NY. Throughout these roles, he was directly involved in 11 M&A transactions in aggregate of $100M enterprise value, most notably leading a minority growth investment into Venning, CPA at the Kuttin Family Office, which provided valuable insights into the fractional CFO services model.

Vision for FFO
At FFO, Tom applies his multifaceted background to build a unique non-equity thought partner experience for businesses at all stages. He is passionate about helping business owners gain clarity in their finances and achieve sustainable growth through both organic and inorganic (M&A) channels.

Gabriel Bauer began his entrepreneurial and investing career by founding Misericordia Holdings, where he has operated as Founder and Managing Partner since 2022. Through Misericordia, Gabe has invested in, operated, and scaled businesses across services, healthcare-adjacent, and consumer sectors, with a focus on operational improvement and disciplined financial management.

Entrepreneurial & Investing Journey
Notable investments include Bio-One, a biohazard remediation business, where Gabe helped implement EOS, hired key leadership roles, and drove over 50% top-line growth, while also leading the evaluation and execution of add-on acquisitions within the franchise system. He has also built and scaled businesses in nutrition coaching (GBN) and mental health technology (Mind Match), gaining firsthand experience in recurring-revenue models, direct sales, and early-stage growth challenges.

Professional Background
Gabe brings institutional investing experience to his entrepreneurial work. He previously served as a capital allocator at the Kuttin Family Office, a Long Island–based family office affiliated with Kuttin Wealth Management. While there, he worked on a lean investment team deploying capital into professional services businesses, most notably participating in a minority growth investment into Venning, a CPA firm roll-up. During his time at KFO, the Venning platform completed seven acquisitions in six months, growing from top line revenue 3x and materially expanding adjusted EBITDA. This experience provided Gabe with deep exposure to M&A sourcing, financial modeling, quality of earnings, post-close integration, and the economics of fractional and outsourced financial services businesses.

Vision for Fractional Financial Officers (FFO)
As Managing Partner of FFO, Gabe applies his combined background as an operator, investor, and family-office professional to deliver high-impact financial leadership to business owners across the United States. Services include financial reporting, budgeting, forecasting, scenario modeling, capital planning, and M&A support, designed to help owners gain clarity, improve cash flow, and scale responsibly. Gabe is particularly passionate about helping founder-led businesses transition from reactive financial management to institutional-grade decision-making, positioning them for sustainable organic growth or successful exits.

Experienced operator and financial systems leader specializing in fractional controller and bookkeeping services for growing businesses. Brings a strong track record of building clean, scalable accounting infrastructures that enable business owners and leadership teams to gain clarity around their financial performance.

Professional Background
Matthew serves as Vice President of Bookkeeping & Controller Advisory at Fractional Financial Officers (FFO), where he supports companies in strengthening their financial operations and improving the reliability of their accounting systems. He works closely with business owners and management teams to clean up historical financial data, implement streamlined accounting processes, and establish consistent monthly reporting.

Matthew has extensive experience managing financial cleanup projects, leading reconciliations across complex balance sheets, and implementing accounting systems such as QuickBooks, Xero, and other financial technology platforms. His work often includes developing standardized chart of accounts structures, improving accounts payable and receivable workflows, and ensuring companies have reliable financial reporting that leadership teams can trust.

Through his work with FFO clients, Matthew helps businesses move from reactive bookkeeping to proactive financial management by building systems that support long-term growth and operational efficiency.

Approach at FFO
Matthew takes a hands-on and detail-oriented approach to financial operations. He focuses on creating organized and scalable accounting processes that give business owners greater visibility into their financial position. By combining strong operational accounting expertise with a practical mindset, Matthew helps clients turn financial data into clear insights that support smarter decision-making and sustainable growth.

Jack Nuttall is a Vice President of CFO and Transaction Advisory Services at Fractional Financial Officers (FFO), where he partners with founders and executive teams to strengthen financial operations, improve cash flow visibility, and support strategic decision-making. Jack brings a hands-on, execution-oriented approach, helping businesses build scalable finance functions and translate financial data into clear, actionable insights.

Professional Background
Jack brings a strong foundation in accounting, finance operations, and advisory services to his role at FFO. Prior to joining the firm, he served on the CFO & Controllership Advisory team at Exbo Group, where he worked closely with growth-stage and lower-middle-market companies across a variety of industries.

In this role, Jack supported clients through financial close processes, cash flow management, budgeting and forecasting, board reporting, and system implementations. He was deeply involved in building and refining financial models, improving reporting accuracy, and helping leadership teams better understand their financial position to drive informed decisions.

Earlier in his career, Jack was a member of the Client Advisory Services team at DSJ Advisory Group, serving as a Controller and outsourced CFO for a portfolio of clients. He oversaw financial reporting, managed operational accounting functions, and provided strategic guidance, while deepening his expertise across accounting, tax, and advisory services.

Approach at FFO
At FFO, Jack focuses on serving as a trusted financial thought partner to business owners and management teams. He works closely with clients to modernize finance operations, implement scalable processes, and deliver clarity around performance, cash, and growth opportunities. Jack is particularly passionate about bridging the gap between accounting and strategy, ensuring financial information is not only accurate, but useful.

Education & Personal Background
Jack earned his Bachelor of Business Administration in Accounting from Hofstra University, completing 150 credit hours in preparation for CPA licensure. While at Hofstra, he was a member of the Men’s Soccer program, an experience that helped shape his team-oriented mindset, discipline, and leadership style. He attended Chaminade High School and continues to stay actively involved with alumni and athletic communities.

Experienced bookkeeper specializing in full-cycle bookkeeping and financial operations for small businesses. A QuickBooks Online Certified ProAdvisor with over eight years of experience, Kristin supports clients with accurate financial reporting, payroll processing, reconciliations, and AP/AR management. She brings a detail-oriented approach, strong client communication skills, and deep familiarity with modern accounting platforms to help organizations maintain clean, reliable books.

Claire Palma supports the firm’s brand positioning and digital communications strategy. She works closely with leadership to develop content that clearly communicates FFO’s fractional finance expertise and value to business owners and growth-stage companies.

Claire brings experience supporting business owners and executive teams, with a background in mergers and acquisitions support and executive communications. Her work focuses on translating complex financial concepts into clear, compelling messaging that strengthens credibility and market presence.

At FFO, she oversees editorial planning and content development across digital platforms, ensuring alignment with the firm’s strategic priorities and long-term growth objectives.