Most business owners are so focused on running their company that they rarely have time to step back and work on it. The financial decisions that shape a business’s long-term trajectory — entity structure, growth financing, exit timing, operational efficiency, owner compensation — get deferred indefinitely. And that deferral is expensive.
FJ & Associates, PLLC provides strategic business consulting to Utah companies at every stage — from early-stage businesses establishing their financial foundation to established companies planning an exit or navigating a complex transition. Our licensed CPAs bring more than twenty years of hands-on business advisory experience to every engagement — combining deep tax knowledge with practical financial strategy.
📞 (801) 927-1337 | Schedule a free consultation →
Business Consulting Services We Provide
Fractional CFO Services
Not every Utah business needs a full-time CFO — but most benefit enormously from CFO-level thinking. Our fractional CFO service gives you the strategic financial leadership of an experienced CPA, available on a part-time or project basis:
- Financial modeling and forecasting
- Cash flow analysis and management
- KPI identification, tracking, and board-level reporting
- Budget development and variance analysis
- Capital structure review and financing strategy
- Lender and investor relationship support
Fractional CFO services are priced as a flat monthly retainer, scaled to the level of engagement your business needs. See our fractional CFO services page for a full overview.
Business Growth Advisory
Growth without financial discipline creates cash flow problems, operational chaos, and tax surprises. We help Utah businesses grow intentionally — with the financial modeling, scenario planning, and strategic input to make confident decisions at every inflection point:
- Revenue and profitability modeling
- Hiring and headcount planning
- Pricing strategy and margin analysis
- Geographic and product line expansion planning
- Working capital management
Entity Structure and Tax Optimization
The entity your business is organized under has a direct impact on your annual tax bill, your personal liability, and your ability to bring in investors or co-owners. We advise Utah businesses on:
- LLC vs. S-Corp vs. C-Corp analysis with projected tax savings
- Entity conversions and restructuring
- Multi-entity structuring for businesses with multiple revenue streams
- Operating agreement and buy-sell agreement review
See our advanced tax planning guide for context on how entity structure and tax planning interact.
Business Exit and Succession Planning
Whether your exit is 2 years away or 10, the decisions you make now determine how much you keep after taxes and transition costs. We help Utah business owners:
- Assess current business value and identify value-building opportunities
- Structure ownership transitions to minimize tax impact
- Coordinate with estate planning to protect generational wealth
- Evaluate sale structures — asset sale, stock sale, installment sale, employee buyout
See our business exit strategy guide for more detail.
Business Acquisition Advisory
Buying a business in Utah? We provide pre-acquisition due diligence, purchase price allocation analysis, and post-acquisition integration planning — ensuring you know exactly what you’re buying and how it’s structured before you sign.
Financial Systems and Process Improvement
We help Utah businesses build the financial infrastructure that supports growth: accounting software selection and setup, financial reporting cadence, internal controls, and bookkeeping process design. See our Utah bookkeeping services for the operational layer.
Who Our Business Consulting Is For
Our Utah business consulting clients typically fall into one of these situations:
- Growth-stage businesses that need financial leadership but aren’t ready for a full-time CFO
- Profitable businesses that suspect they’re overpaying in taxes and want a strategic review
- Business owners planning an exit within 3–5 years who want to maximize what they walk away with
- Businesses preparing for financing that need clean financials, projections, and lender-ready documentation
- Multi-entity operators managing complex ownership structures across multiple businesses or properties
Business Consulting FAQs
What is a fractional CFO and does my Utah business need one?
A fractional CFO is a senior financial executive who works with your business part-time, providing strategic financial guidance without the cost of a full-time hire. Most Utah businesses earning $500K–$10M in annual revenue benefit from fractional CFO services — especially if financial decisions are currently being made without reliable data or forward-looking models.
How is business consulting different from tax preparation?
Tax preparation is backward-looking — it documents what happened. Business consulting is forward-looking — it shapes what happens next. At FJ & Associates, the two are integrated: your tax strategy is built into your business advisory work, and your advisory work directly informs your tax planning.
How do I know if my business is structured tax-efficiently?
A quick indicator: if you’re paying significant self-employment taxes as a sole proprietor or single-member LLC with profits above $50,000/year, you are likely leaving money on the table. An S-Corp election analysis takes about an hour and often reveals several thousand dollars in annual savings.
Can you help me prepare my business for sale?
Yes. Business exit preparation is one of our most impactful consulting engagements. The earlier you start, the more options you have for structuring the transaction tax-efficiently and building demonstrable enterprise value.
Do you serve Utah non-profit organizations?
Yes. We provide business advisory services to Utah non-profits — including financial sustainability planning, board financial reporting, grant compliance advisory, and organizational structure guidance.
Schedule a Business Strategy Consultation
If your Utah business has financial decisions to make — and it does — let’s talk. A free consultation with a licensed CPA is the fastest way to identify where you’re leaving money on the table.
📞 (801) 927-1337
✉️ admin@cpaone.net
📍 612 N Kays Dr Suite 120, Kaysville, UT 84037
Schedule a Free Consultation →
Serving businesses throughout Utah — Salt Lake City, Provo, Orem, Sandy, West Valley City, St. George, Kaysville, and beyond.
About the Author: Missy Dennis, CPA | Partner | FJ & Associates, PLLC | Kaysville, Utah
Missy holds a Master of Accounting degree from the University of Utah and is a licensed Certified Public Accountant. She is committed to providing clear, accurate, and actionable guidance so clients can navigate complex financial decisions with confidence. With more than twenty years of public accounting experience, Missy Dennis specializes in: tax preparation and tax advisory; bookkeeping strategy alignment; estate and trust taxation; audit and consulting services; low-income housing tax credits; non-profit accounting; and small- and mid-sized business advisory.
