TGG Accounting, founded in 2006 by serial entrepreneur Matt Garrett, operates as an outsourced finance and accounting firm serving small to mid-sized businesses across the United States.
Garrett built the company after selling his own businesses and repeatedly running into a problem that most small business owners recognize immediately: getting accurate, timely financial data without the cost of a full in-house team.
What he built is a four-person team model, where each client gets a CFO, Controller, Accounting Manager, and Staff Accountant working together under a methodology called the TGG Way™.
Key Takeaways
- TGG deploys a dedicated four-person accounting team to each client, covering everything from day-to-day transactions to CFO-level strategy.
- The firm targets businesses with annual revenues between $1M and $100M across industries like construction, SaaS, hospitality, retail, and nonprofits.
- Client retention sits at 94%, according to TGG's own sales data.
What TGG Accounting Actually Does
The core product is straightforward. Businesses either replace their entire internal accounting department with TGG's team, or they bring TGG in alongside existing staff to fill gaps and improve reporting accuracy.
The four-person team structure is central to everything. Most outsourced accounting firms send one or two people. TGG's model layers four roles with distinct responsibilities:
| Role | Primary Function |
|---|---|
| CFO | Financial strategy, forecasting, exit planning |
| Controller | Financial reporting, GAAP compliance, risk controls |
| Accounting Manager | Transaction oversight, mentoring, standards enforcement |
| Staff Accountant | Day-to-day bookkeeping, foundational data entry |
This structure is designed to reduce the risk that any single person becomes a bottleneck or point of failure. It also creates internal checks that make fraud harder to execute than it would be in a one-person operation.
The TGG Way™
Garrett documented his firm's methodology in a book also called The TGG Way, which outlines the financial principles TGG applies across clients.
The approach draws heavily from fast-close procedures and Steven Bragg's work on speeding up month-end reporting.
The practical goal is to get clients accurate financial statements faster so they can make decisions with current data instead of lagging indicators.
Weekly financial reports. Monthly KPIs. Cash flow forecasting tied to seasonal patterns. These are the concrete outputs businesses receive.
The idea is that a business owner should be able to look at a dashboard and know exactly where their money is going without needing an accounting degree to interpret it.
TGG also holds the Certified Exit Planning Advisor credential, which makes the firm relevant to businesses preparing for sale.
GAAP-compliant financials are a direct factor in how buyers and lenders assess a company's value, so TGG's work on the reporting side can have a measurable effect on what a business eventually sells for.
Industries and Revenue Range
TGG works with companies across a wide range of sectors. Their documented client base includes:
- Construction
- E-commerce
- Hospitality and dining
- Retail and consumer goods
- SaaS and IT development
- Nonprofits and religious organizations
- Wholesale goods
- Manufacturing
Revenue range for ideal clients runs from approximately $1M to $100M annually, though TGG University materials specify a sweet spot between $5M and $60M.
Below that range, the cost of a four-person team may not be justifiable. Above it, companies typically have enough internal capacity to manage without full outsourcing.
Who Built This and Why It Matters
Matt Garrett started his first business in college at Vanderbilt University. After selling a business in 2005, he noticed that the fractional accounting market had no one offering a complete solution.
Fractional CFOs existed. Bookkeepers existed. But nobody was putting together a full-stack team at an accessible price point for businesses that weren't Fortune 500 companies.
That gap became TGG.
Garrett has since become a regular speaker for Vistage, the executive coaching network, and has been placed on the San Diego Daily Transcript's Top 25 CEO list.
TGG has won San Diego's 50 Best Places to Work award four times and has appeared on the Inc. 5000 list. In 2006, the same year he started TGG, he placed as a finalist for the Ernst & Young Entrepreneur of the Year award.
The firm currently operates with locations in San Diego, Irvine, and Denver, though the team is largely remote.
Services Breakdown
Beyond the core outsourced accounting offer, TGG provides several adjacent services worth knowing about:
Outsourced CFO Services
For businesses that already have some internal accounting capacity but need strategic financial leadership, TGG can place a fractional CFO to handle budgeting, forecasting, and investor or lender relations without the full-time salary.
Finance Consulting
Operational financial consulting covers areas like pricing strategy, gross margin analysis, and identifying cost inefficiencies. TGG's consulting work often surfaces problems that clients weren't aware of before engagement.
Garrett frequently speaks publicly about running businesses by percentages rather than raw dollar figures tracking gross margin as a percentage of revenue rather than a dollar amount, for example and that philosophy carries into how TGG frames financial reports for clients.
The goal is to give business owners metrics they can actually act on.
Exit Planning
As a Certified Exit Planning Advisor, TGG works with owners preparing to sell. Clean, GAAP-compliant books make transactions smoother and can increase business valuation.
Cash Flow Forecasting
Seasonal businesses or companies with uneven revenue cycles use this to plan around predictable fluctuations without running into liquidity problems.
Staffing and Recruiting
TGG also helps clients find in-house accounting talent, which is useful for businesses transitioning from outsourced to internal teams or needing to backfill specific roles.
What Clients and Employees Say
Customer reviews on Yelp average 4.3 out of 5 stars across multiple locations. The positive reviews consistently mention responsiveness, quality of financial guidance, and the depth of knowledge TGG brings to operational questions.
One client described TGG's entry into a struggling finance department as immediate stabilization on day one, allowing management to make business decisions using actual data.
The negative Yelp review on record is pointed. A client described sending multiple different team members rather than a consistent contact, requiring repeated onboarding.
They also described inaccurate work product and a breakdown in the relationship between the TGG team and internal staff. That review stands as a single data point but raises a legitimate question: consistency of team assignment matters in an engagement model like this.
On Glassdoor, employee ratings sit at 4.2 out of 5 based on 85 reviews. Most positive reviews cite strong leadership clarity, autonomy, remote flexibility, and a well-communicated company mission.
Some negative reviews mention cliques forming among staff, high-pressure workloads, and a perception that management could be resistant to candid feedback from lower-level employees.
The picture is mixed in the way most growing service firms are.
Pricing and Transparency
TGG does not publish pricing on its website. The starting point for any engagement is a free consultation call.
Given the team model and scope of services, pricing is almost certainly custom to each client's size, complexity, and service mix.
Businesses considering TGG should come to that call with a clear picture of their current accounting setup, revenue size, and what specific problems they need solved.
It also helps to know whether you are looking to replace your accounting function entirely or supplement an existing team, since those two scenarios likely land at different price points.
Strengths and Limitations at a Glance
| Strengths | Limitations |
|---|---|
| Structured four-person team reduces single-point failure risk | No public pricing — requires a sales call to evaluate cost |
| 94% client retention rate per internal data | Best suited for $5M–$60M revenue range; less practical outside that |
| Certified Exit Planning Advisor on staff | Mixed employee reviews suggest internal culture varies |
| GAAP-compliant reporting improves lender and buyer confidence | Inconsistent team assignment has been flagged in at least one client review |
| Covers strategy through transactions in one engagement | Fully remote team may not suit clients wanting on-site presence |
Conclusion
TGG Accounting offers a well-structured outsourced model for businesses that need more than a bookkeeper but aren't ready to build an internal finance department.
The four-person team approach, combined with the TGG Way methodology and a 94% retention rate, positions the firm as a credible option for SMBs targeting financial clarity and growth.