Strategic Financial Leadership Rooted in Surety & Claims Expertise
John M. Fullmer provides Fractional CFO services and risk advisory for organizations that need more than a bookkeeper, but less than a full-time executive. With 30+ years of experience across ENR-ranked contractors and National Surety Underwriting & Claims, John brings a 360-degree perspective to your financial health.
The Fullmer Advantage
- WIP Integrity: Ensuring financials reflect the "field truth."
- Bonding Optimization: Aligning reporting for maximum capacity.
- Claims Mitigation: Identifying red flags before they hit the P&L.
- Fractional CFO: High-level strategy on a part-time budget.
- Fraud Prevention: Strengthening internal controls & oversight.
About John
John M. Fullmer, Jr. has sat on every side of the construction table. His perspective is unique: he has authorized the bonds as an underwriter, managed the fallout of defaults as a claims manager, and led the financial strategy of major regional firms as a CFO.
The core of John’s career was built in high-stakes environments like Wagman, Inc. and Charter Homes, where he managed complex capital stacks, institutional banking relationships, and multimillion-dollar project portfolios. He understands that for a contractor, financial reports aren't just for tax season—they are the key to credibility with lenders and sureties.
During his tenure as Surety Claims Division Manager, John directed the investigation and resolution of Payment and Performance bond claims nationwide. This experience gave him a "post-mortem" view of project failure, allowing him to now proactively identify the early warning signs of profit fade and operational distress in his clients' businesses.
Through John M. Fullmer Consulting, he provides a calm, integrity-driven hand on the wheel. He helps owners move from financial disorder to "Underwriter-Ready" clarity, ensuring that as a company grows, its financial systems and internal controls grow with it.
Services
Fractional CFO & Strategy
- Monthly financial review & WIP schedule oversight
- 13-week rolling cash flow planning & forecasting
- Surety and Banking relationship management
- Overhead analysis & profit-fade mitigation
- Strategic guidance for owners during growth or transition
Surety & Banking Readiness
- Professionalizing financials for bonding renewals
- "Post-mortem" analysis of troubled projects
- Internal control design & fraud-prevention audits
- Clean-up of "noisy" bookkeeping and historical entries
- Restoring institutional confidence after financial disruption
Construction Risk & Funds Control
- Project-specific payment controls for bonded work
- Monitoring contractor financial health for third parties
- Support for sureties and lenders on high-risk projects
- Subcontractor tracking tied directly to project cash flow
- Establishing disciplined, field-ready reporting processes
Business Advisory
- Scenario planning for equipment and land acquisitions
- Budget development and variance tracking
- Systems selection and IT financial strategy
- Owner coaching on high-level financial decision-making
- Clean-up support for CPAs during tax or audit season
Why Clients Choose John
The Differentiator
- Former Surety Claims Manager: I know why projects fail and how to prevent it.
- Former SVP/CFO: I have led ENR-ranked firms through complex growth cycles.
- Construction Specialist: I speak the language of job costing, WIP, and over/under-billings.
- Grounded Approach: No-nonsense, calm, and integrity-driven leadership.
- Fractional Model: Executive expertise without the full-time overhead.
Who I Support
Strategic partners include:
The Engagement Process
Connect with John
John M. Fullmer, Jr.
Fullmer Finance, LLCdba John M. Fullmer Consulting
Southport, NC 28461
Phone: (717) 309-2600
Email: john@FullmerFinance.com
To explore a fractional CFO partnership or a specific advisory project, please send an email or reach out via LinkedIn. John responds personally to all inquiries.