Your Business Deserves a Financial Backbone
BFM goes beyond traditional bookkeeping — we integrate into your operations as a true financial partner, bringing clarity, structure, and strategic momentum to growing businesses across the US.
What We Do
Services Built for Growing Businesses
From day-to-day bookkeeping to C-suite financial strategy — we meet you where you are and take you where you want to go.
Bookkeeping
Full-service accounting support including monthly reconciliations, accounts payable, accounts receivable, and invoice management. We keep your books clean, accurate, and decision-ready.
Controllership
Helping you increase profitability, improve cash flow, stay on track with your goals, and build the financial infrastructure your business needs to scale with confidence.
Fractional CFO
Strategic financial leadership without the full-time cost. Cat integrates into your leadership team to drive budgeting, forecasting, cash flow strategy, and board-level financial reporting.
Human Resources
Fully remote HR support, coaching, and guidance. Implementation of internal HR policies and procedures, compliant onboarding, termination support, corrective action, and Diversity & Inclusion roadmaps.
QuickBooks Consulting
Setup, cleanup, training, and ongoing support for QuickBooks Online. From initial configuration to team training sessions, we make sure your QBO works the way your business does.
Operations Consulting
We build systems, implement processes, and create real-time visibility into performance. From production margin tracking to month-end close optimization and forward-looking planning.
Not sure which service is right for you?
Let's TalkClarity
No jargon. No confusion. Just clear financial insight.
Trust
Built on honesty, transparency, and open communication.
Partnership
We are part of your team, not just a vendor.
Empowerment
We help you make confident, data-driven decisions.
Who We Are
Finance with a Human Touch
Certified
Woman-Owned Business
Bones Financial Management (BFM) is a woman-owned finance, accounting, and operations consultancy built to bring clarity, structure, and strategic insight to growing businesses. Founded by Catherine Bones, BFM goes beyond traditional bookkeeping to serve as a true financial partner.
Cat and her team build systems, implement processes, and create real-time visibility into performance. From production margin tracking and cash flow management to month-end close optimization and forward-looking planning, BFM equips organizations with the tools and confidence to grow intentionally.
With employees in every US time zone working remotely, BFM is always available to serve your needs — wherever you are, whenever you need us.
True Financial Partnership
We integrate directly into your operations — not as a vendor, but as a member of your leadership team who understands your business inside and out.
Real-Time Visibility
We build systems and processes that give you live insight into your financial performance, so decisions are driven by data, not guesswork.
Operational Strategy
Budgeting, forecasting, staffing, and profitability work together under one cohesive strategy — aligned to your growth goals.
Responsiveness & Transparency
We meet you where you are — whether you need clean-up, infrastructure, or C-suite financial strategy — with honesty and speed.
From reactive to proactive. From uncertain to in control.
— The BFM Transformation
Industries We Serve
How We Work
Simple Process, Powerful Results
Getting started with BFM is straightforward. Here's how we move from first conversation to lasting partnership.
Discovery Call
We start with a conversation — understanding your business, your current financial state, and where you want to go. No pressure, just clarity.
Tailored Proposal
Cat personally crafts a service proposal that reflects exactly where you are today and what you need to move forward. Every engagement is custom.
Partnership Begins
We integrate into your operations, build the systems you need, and become the financial partner your business has always deserved.
Leadership
Led by a Trusted Expert
Deep expertise, genuine care, and a hands-on approach to every client relationship.
Founder & Owner · Fractional CFO
Catherine "Cat" Bones
Catherine Bones is a seasoned finance and operations leader known for translating complex financial data into clear, actionable insights. With experience across agency operations, professional services, and high-growth environments, she operates as a fractional CFO and business manager — helping leadership teams understand not just where their numbers are, but what to do next.
Her approach blends financial rigor with operational strategy, so that budgeting, forecasting, staffing, and profitability all work together. Cat does not simply report the numbers — she helps you act on them with confidence and intention.
Under Cat's leadership, BFM creates an environment of accountability, clarity, and momentum — helping businesses move from reactive to proactive, and from uncertain to in control.
Community Leadership
In addition to her professional work, Catherine is an active leader in the Torrance Unified School District. She currently serves as PTA President at Towers Elementary and sits on both the School Site Council and the Superintendent's Advisory Council, where she contributes to discussions around school performance, resource allocation, and district priorities.
Cat is known for bridging financial strategy with real-world impact. Her work across both business and education reflects a commitment to transparency, fiscal responsibility, and student-centered decision making.
Through Bones Financial Management, Cat prioritizes giving back to the local community and is a proud sponsor of Towers Elementary PTA and West Torrance Little League, supporting programs that directly impact students and families.
Nationwide Coverage
Employees in Every US Time Zone
Our fully remote team spans all five US time zones — Pacific, Mountain, Central, Eastern, and beyond — ensuring that no matter where your business operates, you always have a responsive financial partner available when you need them.
Get In Touch
Ready to Build Your Financial Foundation?
Whether you need clean-up, infrastructure, or C-suite financial strategy, we're here to help. Reach out and we'll be in touch within one business day.
Coverage
Serving clients nationwide — all US time zones
Business Type
Women Owned · Fully Remote
Our Mission
To provide a nurturing workplace that empowers mothers — creating real work-life balance for our team while delivering exceptional financial expertise to our clients.