Frequently Asked Questions
Questions, answered
A central place for the questions clients and prospective clients ask most often — across wealth management, custom portfolios, family office, and how to get started.
Individuals & Families FAQ
Questions before we start
A few common questions about how Matco works with individuals, families, and retirees across different stages of wealth.
Individuals, families, professionals, business owners, and retirees who want their planning and investments coordinated rather than scattered across accounts, advisors, and statements. It's especially relevant when there are multiple accounts, a corporation, real estate, retirement income needs, or wealth transfer decisions in play.
The investment strategy connects to broader planning considerations: cash flow, tax, retirement income, estate intentions, and coordination with your accountant or lawyer where appropriate. The goal is one coordinated picture rather than a portfolio that runs in isolation from the rest of your financial life.
No. We work with clients in three different stages: building wealth, drawing income from it in retirement, and planning the transfer of wealth to the next generation. The right approach depends on which stage you're in.
The strategy reflects your goals, time horizon, income needs, tax situation, and what you're trying to accomplish. In the accumulation years, that usually means a long time horizon and a higher equity allocation. Approaching or in retirement, it shifts toward income-generating mandates and a drawdown plan. When wealth transfer is the priority, after-tax outcomes and estate coordination take the lead.
Yes. Where appropriate, we coordinate with your professional advisors so the planning, tax, estate, and investment decisions move in the same direction. It matters most for families with corporations, estate considerations, or more complex wealth-transfer decisions.
No. The $1M+ threshold applies to certain mandates where direct ownership of individual securities is the right fit. Most Individuals & Families clients are well-served by Matco's in-house funds, which carry no such minimum.
The best first step is a conversation. If you want a broad view of your financial picture, start with a Financial Snapshot. If your main concern is whether your current portfolio is aligned, start with a Portfolio Review. If your situation is more complex, Matco can help determine which relationship or service path makes the most sense.
Wealth Management FAQ
Questions before your review
Common questions about Matco Wealth Management.
Wealth management at Matco connects the portfolio to the rest of your financial life: cash flow, tax considerations, retirement income, estate intentions, and coordination with your accountant or lawyer where appropriate. The portfolio matters, but so does what it's meant to accomplish.
Investment management focuses on the portfolio: what you own, how it's allocated, how it's managed. Wealth management is broader. It connects the portfolio to your goals, retirement income, tax considerations, estate planning, and the financial decisions that surround them.
Individuals, families, business owners, professionals, and retirees who want one coordinated picture of their financial life rather than separate accounts, statements, and advisors. It matters most when there are multiple accounts, a corporation, real estate, estate considerations, or family wealth-transfer decisions involved.
No. You can start with a conversation or a portfolio review before making any decisions. The goal is to understand where you are today, what you are trying to accomplish, and whether Matco is the right fit.
Yes. Where appropriate, we coordinate with your accountant, lawyer, and other advisors so investment, tax, estate, and family decisions move from the same information.
Many people come to Matco for a second opinion while staying with their current advisor. There's no obligation to switch—just a clearer view of where you stand.
Book a conversation through the contact page. The first call is a chance to understand your situation, answer your questions, and decide together whether a deeper review makes sense. No commitment beyond the conversation itself.
Custom Portfolios FAQ
Questions before building around your situation
A few common questions about how Matco builds portfolios for clients whose needs do not fit a standard model.
Clients whose financial situation doesn't fit a standard model. Concentrated positions, multi-entity structures, inherited holdings, specific income needs, tax considerations, or constraints that need to be designed around rather than ignored.
A standard model begins with a set allocation and places you in it. A Custom Portfolio starts with your unique situation. It considers your goals, income needs, tax situation, holdings, and constraints. Then, it is built around those factors.
Where suitable, yes. Direct ownership of individual securities rather than pooled funds. That can mean more control over tax-loss harvesting, income timing, and which positions stay or go.
Concentrated stock positions, proceeds from a business sale, corporate or trust assets, inherited securities, significant taxable accounts, philanthropic goals, or anywhere managing income and tax outcomes requires close attention.
Tax and estate considerations sit inside the portfolio design rather than alongside it—especially for taxable accounts, corporations, trusts, or families planning wealth transfer. Where appropriate, we coordinate with your accountant and lawyer so the moving parts work together.
Yes. Existing holdings, unrealized gains, and tax positions can be worked around rather than simply sold and replaced. That's one of the main reasons clients consider a Custom Portfolio in the first place.
A conversation about your current portfolio, goals, entities, income needs, and any constraints. From there, it's clearer whether a Custom Portfolio is the right fit or whether another Matco service makes more sense.
Family Office FAQ
Questions before a private conversation
A few common questions about how Matco helps families coordinate complex wealth, advisors, and long-term decisions.
Families whose wealth has outgrown a standard investment relationship. Multiple entities, corporations, trusts, real estate, philanthropic goals, estate considerations, or coordination across generations.
Wealth Management connects planning and investment strategy. Family Office goes further, coordinating across multiple entities, professional advisors, estate considerations, governance, and the long-term decisions that come with more complex family wealth.
No. We don't replace your accountant, lawyer, or other advisors. Where appropriate, we coordinate with them so your investment, tax, estate, corporate, and family decisions work from the same plan.
Operating companies, holding companies, trusts, concentrated wealth, intergenerational planning needs, significant charitable goals, or several family members who need a shared framework for managing wealth together.
Yes. Family Office relationships often involve how wealth will be transferred, managed, and understood across generations, including estate coordination, family communication, education for the next generation, and aligning wealth decisions with the family's long-term intentions.
No. Investments are one part of the relationship. Family Office is broader, helping the family organize and coordinate the financial, personal, and legacy decisions that come with more complex wealth.
Family Office conversations are confidential and led by a senior relationship contact, not a general inquiry channel. The first conversation stays between you and that point of contact.
Still have questions?
The fastest way to get specific answers is a short conversation. We'll listen to your situation and point you to the right next step — even if that isn't Matco.