Matthew Goff is the founder and Chief Investment Officer of the Goff Financial Group, an SEC registered investment advisory company which manages over $380 million in private accounts. After graduating from the University of Texas in Austin with a major in finance, Matt began his career in financial services working on fixed income portfolios at Lehman Brothers in 1993. His company manages portfolios for individuals, couples, trusts, retirement plans and corporations. For four consecutive years Mr. Goff has been included in the Five Star Award Professionals list as featured in Texas Monthly Magazine. He has also been rated as a Five Star advisor by the Paladin Registry since 2006. Matt is also an active member of the National Association of Personal Financial Advisors (NAPFA), the country's leading professional association of fee-only financial advisors.
Your financial goals are our highest priority. We provide the peace of mind that comes with knowing you have entrusted your financial future to a firm that will always place your interests first. Unlike many other firms, all of our services are provided on a fee-only basis, we have a FIDUCIARY DUTY to put your interests first, and you always have direct access to the investment manager for your accounts as opposed to a sales agent. In addition, we have the knowledge, experience, and integrity to help you achieve what is most important to you, including financial independence, a secure and comfortable retirement, a college education for your children, travel, and a second home.
General Information |
| Firm Start Year: | 1994 | |
| No. of Employees: | 5-9 | |
| Name of Custodial Firm: | TD Ameritrade, Fidelity, Schwab, InteractiveBrokers |
| States Licensed in: | Passed Series 7 & Series 63 |
| Number of Years with Current Firm: | 25 |
| Work Experience: |
The Goff Financial Group, Managing Member, 3/2008 - present Matthew B. Goff Registered Investment Advisor (sole proprietor), 4/1995 - 3/2008 |
| Work with the following types of clients: | Corporate Executives, Businesses, Individual Investors, Non-Profit Organizations |
| Foreign Languages Serviced: | Spanish |
| Advisory Services Provided: | Financial Advice & Consulting, Retirement Planning, Wealth Management, Money Management, Financial Planning for Individuals, Portfolio Management |
Services |
| Investment Types: | Stocks, Bonds, Options & Futures, Mutual Funds, Alternative Investments, Exchange Traded Funds (ETFs), Commodities |
| Can meet clients in the following ways: | Our Office, Phone, Email, Video Conference |
Qualifications & Memberships |
| Financial Organization Memberships: | National Association of Personal Financial Advisors (NAPFA) |
| Non-Financial Organization Memberships: | Better Business Bureau - A+ rated member |
Firm Information |
| Firm's Number of Clients: | 190 |
| Firm's Number of Managed Clients: | 190 |
| Assets Managed by Firm: | 457552800 |
| Advisor's Number of Clients: | 170 |
| Advisor's Number of Managed Clients: | 170 |
| Assets Managed by Advisor: | $382,205,981 |
Compensation and Fees |
| Fee Structure: | Fee-Only |
| Minimum Portfolio Size for New Managed Accounts: | $500,000 |
| Compensation Methods: | Based on Assets, Flat Fee |
| Additional Details on Charges: | Our management fee is based on the assets under management for each client. |
Education |
| Bachelor of Science - Finance | University of Texas at Austin
- Austin, TX - |
Financial Services |
| Financial Advice & Consulting
At the Goff Financial Group, we provide customized investment management services based on your comfort level with risk and long- term objectives. As a fee-only, fully independent, Registered Investment Adviser with over twenty years of experience, you can depend on us to give quality and objective financial advice. Because we are fee-only advisors; we are only paid by you, the client. This removes many of the conflicts of interest that "fee- BASED" advisors may have because they are paid commissions on the financial products that they sell. Not only do we strive to remain objective, honest, and transparent, we also provide our clients with the the highest level of service possible. |
| Financial Planning for Individuals
Whether you need advice as a business owner, an
executive, a
retiree, or all of the above, we understand your needs
as an individual. We know that demanding schedules can leave you with little time to look after financial matters. That's why we are committed to being your advocate, a commitment that begins on day
one. |
| Portfolio Management
Value Investing. One component of our time-tested
strategy is to invest in a variety of
stocks, bonds, and exchange-traded funds consistent with our clients' financial comfort
levels in mind. Applying our proprietary financial
models, we calculate fair-value
estimates, which are based on a series of assumptions
regarding the anticipated growth of
the investments. From there, our decision to buy or sell
is driven by our goals of
reducing investment risks while increasing long-term
returns. |
| Retirement Planning
Maintaining your lifestyle. We understand retirement
planning and the concerns
surrounding it. What is your definition of financial
security? How much will you need
to keep your lifestyle without outliving your assets?
Will you need to provide
for the financial or educational needs of another
dependent? Will you have enough to
cover unforeseen events or expenses? |
| 401K Rollovers
We can assist with rolling over your 401(k) or employer-sponsored retirement plan. |
FAQs |
Do you have a customer satisfaction or refund policy?Yes. We strive to ensure that every client receives the highest level of service and management possible. |
Why should I choose you as my financial advisor?Over 20 years of experience helping corporate executives, business owners and retirees. University of Texas at Austin School of Business Administration, Major - Finance, Paladin 5 Star Advisor and NAPFA member. Passed both the Series 7 and 63 securities licenses. |
What are your qualifications? What is your education background?We emphasize taking a comprehensive approach to the client's individual needs and comfort level with their financial matters. |
How do you charge for your services?We work on a fee-only basis. This is our only method of compensation. The only advice that has value is advice you can trust, which requires that the advice be objective. We are only paid by our clients and do NOT receive fees from any third parties such as brokers or mutual funds. |
How are you compensated? How will I pay for your services?We work on a fee-only basis. This is our only method of compensation. The only advice that has value is advice you can trust, which requires that the advice be objective. We are only paid by our clients and do NOT receive fees from any third parties such as brokers or mutual funds. |
Disclosures |
| WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. For more information, please refer to our ADV Part. II at https://www.gofffinancial.com/wp-content/uploads/GoffADV2A.pdf |
|
Additional Detailed Disclosures |
Disclaimer |
| Assets Managed by Firm figure only includes assets under discretionary management. In addition to the discretionary assets, Goff Financial manages an additional $13,515,927 on a non-discretionary basis. |
Registered Investment Advisor:
Yes
Acknowledged fiduciary:
Yes
| Mon. | 8:00 AM - 5:30 PM |
| Tue. | 8:00 AM - 5:30 PM |
| Wed. | 8:00 AM - 5:30 PM |
| Thu. | 8:00 AM - 5:30 PM |
| Fri. | 8:00 AM - 3:00 PM |
| Houston | The Woodlands |
| Spring | Katy |
| Sugar Land | Cypress |
| Deer Park | Fresno |
| Friendswood | Galena Park |
| Highlands | Humble |
| La Porte | Manvel |
| Missouri City | Pasadena |
| Pearland | Richmond |
| Rosharon | South Houston |
| Spring | Stafford |
| Thompsons | Webster |
| All 50 States | |
| Check | Money Order |
| Bank Transfer | Visa |
| MasterCard | American Express |
| Discover | |
Houston Chronicle Interview
When: 01/25/2017
Details:Dow Breaks 20k Barrier 01-25-2017
...more
End-of-the-Year Money Moves 2018
When: 12/01/2018
Details:What has changed for you this year? Did
you start a new job or leave a job behind?
Did you retire? Did you start a family? If
notable changes occurred in your personal
or professional life, then you will want
to review your finances before this year
ends and the new year begins.
...more
Why You Might Want to Create a Donor-Advised Fund
When: 11/01/2018
Details:Do you regularly donate to charities and
other non-profit organizations? Then you may
want to open a Donor-Advised Fund.
...more
Are Your Beneficiary Designations Up to Date?
When: 10/01/2018
Details:Heres a simple financial question: Who is
the beneficiary of your IRA? How about your
401(k) or annuity? You may be saying, Im
not sure. It is a good idea to periodically
review your beneficiary designations.
...more
Starting a Roth IRA for a Child or Grandchild
When: 09/01/2018
Details:Do you have a child or grandchild earning
some income? Indirectly, that after-school
or summer job might present a savings
opportunity for that teenager. You could
help your child or grandchild save for
future goals by assisting them to create
and fund a Roth IRA.
...more
Should You Leave Your IRA to a Child?
When: 08/01/2018
Details:Can a child inherit an IRA? The answer is
yes, though they cannot legally own the
IRA and its invested assets. Until the
child turns 18 (or 21, in some states),
the inherited IRA is a custodial account,
managed by an adult on behalf of the minor
beneficiary.
...more
The Backdoor Roth IRA
When: 07/01/2018
Details:Does your high income stop you from
contributing to a Roth IRA? It does not
necessarily prohibit you from having one.
You may be able to create a backdoor Roth
IRA and give yourself the potential for a
tax-free income stream in retirement. The
Backdoor Roth IRA, a move that high
earners can make in pursuit of tax-free
retirement income.
...more
Bundle Up? Not When It Comes To Financial Services
When: 06/03/2016
Details:For many people subscribing to satellite
services or cable television over the last
couple of decades, the business model has
been "bundling services" like television,
Internet and phone together for a single
rate.
...more
KHOU Interview
When: 11/02/2016
Details:How Will The Presidential Election Affect The
Economy 11-02-2016
...more
What should I do with my stock options?
When: 06/10/2015
Details:If youre holding stock options from your
employer, our Employee Stock Options Strategy
will help you answer these questions: Should I
exercise my options now or risk holding out for
a higher price in the future? What are the tax
consequences of exercising my options?
...more
Objective Investment Advice You Can Use
When: 09/02/2015
Details:As you probably saw last week, global stock
markets dropped sharply in value. There are a
number of factors contributing to these
recent declines including expectations of
higher interest rates, falling oil prices and
an economic slowdown in China
...more
The Wall Street Journal/Market Watch Interview
When: 11/27/2012
Details:Fiscal Cliff May Clip Powerball Winner 11-27-
2012
...more
Houston Business Journal Interview
When: 12/10/2012
Details:Despite Fiscal Cliff, Investors Should Not
Let Taxes Drive Their Investment Decisions,
Adviser Says 12-10-2012
...more
The Wall Street Journal/Market Watch Interview
When: 11-27-2012
Details:Fiscal Cliff May Clip Powerball Winner 11-27-
2012
...more
How to Protect Yourself and Your Money From Hacker
When: 02/01/2018
Details:As you may have heard, Equifax, which is a
credit reporting agency, suffered a data
breach that compromised the personal and
financial data of more than 143 million
Americans.1 The information accessed
included names, Social Security numbers,
birth dates, addresses and, in some
instances, drivers license numbers. While
this data breach is the largest in recent
memory, these types of occurrences have
become all too common and put us all at
increased risk of identify theft.
...more
The Difference Between Fee Only And Fee-Based
When: 01/01/2018
Details:his is a very important question as how
your advisor is compensated may create
conflicts of interest, which can lead to
significant financial consequences for you
and your family. As brokers and insurance
agents have changed their job titles in
recent years to advisors and have
replaced commissions with fees as their
primary method of compensation, such
conflicts of interests are not as easy to
see today but are still there if you know
where to look. Such conflicts are also not
hard to find if you know what questions to
ask.
...more
Annuities: Are They a Good Option in Turbulent Tim
When: 04/22/2016
Details:As Americans get older and the stock
market goes through a periodic decline,
the temptation to decrease risk over fears
of running out of money makes people turn
to annuities, according to the recent New
York Times article entitled "Annuities as
an Alternative to Shaky Markets?
...more
Should You Follow Market Forecasters?
When: 03/17/2015
Details:USA Today recently published an interesting
article titled How bad are Wall Street
forecasts? Really bad. The article reviews
why you are probably better off ignoring
financial advisors who try to predict the
market. Not only is their combined track
record horrible over time, you may get better
results by simply tossing a coin heads the
market goes up, tails it goes down.
According to the article, one key reason
investors follow market strategists is the
false belief that finance is similar to a
science like basic physics, which is highly
measurable and predictable. In reality,
trying to predict the market is more like
sociology, which in sharp contrast to basic
physics, is highly influenced by
unpredictable emotions such as fear and
greed.
Based on my over 20 years of experience
managing investment portfolios, I was
fortunate to learn early on that the best
approach is to focus on fundamentals such as
Is this a good business? rather than
following the advice of anyone with the title
chief market strategist. Because these
forecasters are really there to sell their
companys financial services, I believe a
more accurate job description would be Chief
Marketing Strategist.
...more
The Federal Reserves Impact on Your Portfolio
When: 06/10/2015
Details:Changes in interest rates have a
disproportionate effect on your portfolio.
Lower interest rates can help boost corporate
earnings, and as earnings increase, market
prices often do too. This is a key reason why
stocks frequently increase in value as
interest rates fall.
...more
Finding Your Financial Advocate
When: 06/10/2015
Details:When it comes to getting objective advice for
your financial well-being, do you know the
difference between being a customer and being a
client? Understanding the difference between
the two can make all the difference in the
world, especially for financial services.
...more
Great Article on Dividend Investing
When: 06/03/2015
Details:An excellent and timely article recently
appeared in CNN Money--one that offers
valuable insight for equities investors.
Here's the link: Want top stocks? Bet on
brand names. As you can see from the title,
the author, Scott Cendrowski, believes that
shares of companies selling brand name
consumer goods have been, and will continue
to be ...
...more
Should You Have ETFs in Your Portfolio?
When: 06/03/2015
Details:Exchange Traded Funds (ETFs) have been
attracting more and more attention in recent
months. CNN Money recently published a
detailed article titled "ETFs: Why so
complicated?" which discussed how ETFs can be
used and abused. I strongly agree with the
article's primary point: The key to success
with ETFs is careful management.
...more
A Fun Article About How to Invest Your Lottery Win
When: 06/03/2015
Details:In case you were one of the lucky few who won
last week's $577 million Powerball lottery, you
can find our recommendations on how to invest
your winnings at the Wall Street Journal's
MarketWatch site. The title of the article is
"Fiscal Cliff May Clip Powerball Winner"
...more
Slow and Steady Wins the Race Investing
When: 06/03/2015
Details:Research released last month is turning
conventional investing wisdom on its head. At
a top investment conference, researchers
demonstrated that a number of widely held
beliefs about stocks simply have not held up
over time. Here's what they found: Low
volatility stocks outperform volatile ones in
the long run:
...more
The Risk of Selling Now to Pay Lower Taxes
When: 06/03/2015
Details:To quote the late Chief Justice John
Marshall, "The power to tax is the power to
destroy." That's why managing your portfolio
in a tax-efficient manner should be an
increasingly important part of your
investment strategyespecially given the
looming risk of higher taxation.
...more
S&P Downgrade
When: 06/02/2015
Details:Lessons of Lower Ratings Regarding S&P's
decision to downgrade the U.S. credit rating,
the Wall Street Journal's article Lessons of
Lower Ratings provides an historical
perspective of how other countries have
performed after a cut in their credit
ratings. As discussed in the article, history
suggests the recent downgrade could actually
...
...more
The Ostrich Generation
When: 06/02/2015
Details:The Wall Street Journal recently published a
terrific article that I thought I should pass
along to you in case you missed it: "Don't
Join the Ostrich Generation". It highlights
some disturbing financial trends, and then
discusses ways for you to protect yourself.
First, some troubling facts: Many Americans
are avoiding planning ...
...more
Retro Investing Article from WSJ
When: 06/02/2015
Details:The Wall Street Journal recently published a
very timely article about the current
investment climate. Here's the link in case
you missed it: "Retro Investing - Look Back
to Get Ahead." As the title implies, the
author suggests that history can offer
important lessons to help us chart an
investment path forward.
...more
Ignore the Economists
When: 06/01/2015
Details:CNNMoney just published an excellent article
titled Don't Listen to Recession Forecasters.
This is a great article for those investors
who believe they can time the market by
predicting recessions. As the article
suggests, the odds are greatly stacked
against this approach. Here are two key
points to consider from the article (with my
...
...more
Smart Money Magazine Interview
When: 03/29/2012
Details:How to Invest $640 Mega Millions 3-29-2012
...more
The Wall Street Journal Interview
When: 08/06/2012
Details:Second Opinion: Despite Infusion, Health-care
Stocks Look Peaked 8-6-2012
...more
Smart Money Magazine Interview
When: 05/05/2012
Details:Fix Your 401(k) 5-5-2012
...more
National Public Radio Interview
When: 08/12/2011
Details:Q&A Advice for Investors Section 8-12-2011
...more
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