This episode features Tim Geppert, CPA — Manager & CFO Advisor at Central Texas CFOs to discuss Fractional CFOs (chief financial officers) and why a business might utilize one.

Central Texas CFOs is a team of independent, fractional CFOs who bring big-company financial expertise to small and mid-sized businesses. Their mission is to help companies financially thrive by delivering tailored financial solutions, building trust, and enabling data-driven decision-making. Tim brings decades of experience in construction finance, exit planning, and strategic advisory. Whether it’s preparing for year-end, reviewing quarterly financials, or mentoring internal teams, Tim and his colleagues are all about helping business owners gain clarity and confidence in their numbers.

If you’re a business owner looking to scale, streamline, or plan your next big move — this conversation is for you.

Learn more about Central Texas CFOs on their website: https://centraltexascfos.com/

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Any opinions are those of Tim Montfort and not necessarily those of Raymond James. Expressions of opinions are as of this date and are subject to change without notice. Raymond James Is not affiliated with Tim Geppert or Central Texas CFOs. Prior to making an investment decision, please consult with your financial advisor about your individual situation. Links are being provided for informational purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website’s users and/or members.

Thinking about succession, preserving your legacy, or unlocking value in your business while empowering your team? This episode is for you. Tim Montfort sits down with Kerry Withrow, a Certified Exit Planning Advisor (CEPA) with over 30 years of experience guiding business owners and high-net-worth individuals. Kerry is nationally recognized for his knowledge in ESOPs and is an active member of The ESOP Association, The National Center for Employee Ownership, and The Exit Planning Institute. Together, they explore how employee stock ownership plans can be a powerful tool for business transition, team engagement, and long-term growth.

Hosted by Tim Montfort

Contact Tim directly: tim.montfort@raymondjames.com | 210-890-5713

The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Any opinions are those of the author and not necessarily those of Raymond James. Expressions of opinion are of this date and are subject to change without notice.

In this episode, we sit down with Jeff Armstrong from Cultivate Advisors—a firm dedicated to helping passionate small business owners scale sustainably and achieve meaningful, financially rewarding growth. Cultivate Advisors blends consulting and coaching to deliver personalized, 1-on-1 advising that empowers entrepreneurs to overcome obstacles, seize opportunities, and build thriving businesses. Jeff shares powerful insights from his experience on the front lines of business growth, and together, we unpack proven strategies that have helped countless entrepreneurs transform their companies.

Any opinions are those of Tim Montfort and not necessarily those of Raymond James. Expressions of opinions are as of this date and are subject to change without notice. Raymond James is not affiliated with Jeff Armstrong or Cultivate Advisors. Prior to making an investment decision, please consult with your financial advisor about your individual situation.