The Goff Financial Group | Financial Advisor in Houston ,TX

11 Greenway Plaza, Suite 1425
Houston, TX 77046
Phone: (713) 850-8900

Fee Only | Fully Independent | Fiduciary



About

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.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, college
education for your children, travel and a second home.

23 Years of Experience



General Information
Firm Start Year:   1994
No.of Employees:   5-9
Name of Custodial Firm:   TD Ameritrade, Fidelity, Schwab, Scottrade and Others
States Licensed in:   TX
Number of Years with Current Firm:   23
Work Experience:   The Goff Financial Group, Managing Member, 3/2008
? present
Matthew B. Goff Registered Investment Advisor
(sole proprietor), 4/1995 ? 3/2008
I work with the following types of clients:   Non-Profit Organizations , Corporate Executives , Individual Investors , Businesses
Foreign Languages Serviced:   Spanish


Services
Investment Types:   Exchange Traded Funds (ETFs) , Alternative Investments , Mutual Funds , Options & Futures , Bonds , Stocks , Commodities
I can meet clients in the following ways:   Via phone , At my office , Via email


Qualifications & Memberships
Financial Organization Memberships:   National Association of Personal Financial Advisors (NAPFA) , Paladin Registry
Non-Financial Organization Memberships:   Better Business Bureau - A+ rated member


Firm Information
Firm's Number of Clients:   155
Firm's Number of Managed Clients:   155
Assets Managed by Firm:   226,934,941
Advisor's Number of Clients:   150
Advisor's Number of Managed Clients:   150
Assets Managed by Advisor:   226,934,941


Compliance
Registered Investment Advisor:   Yes
I am an acknowledged fiduciary:   Yes
Compliance Disclosures in Last 5 years:   I have a clean record
Criminal Disclosures in Last 5 years:   I have a clean record


Compensation & Fees
Fee Structure:   I am a fee-only financial professional
Minimum Portfolio Size for New Managed Accounts:   $500,000
Compensation Methods:   Flat Fee , Hourly , Based on Assets
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
-



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.
  • What are your qualifications? What is your education background? 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 is your approach to financial planning? We emphasize taking a comprehensive approach to the client?s individual needs and comfort level with their financial matters.
  • What services do you offer? We specialize in comprehensive financial planning and investment management.
  • How many clients do you currently manage? We currently manage assets for over 150 highly valued clients.
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DISCLOSURE

For more information, please refer to our ADV Part II at www.GoffFinancial.com/adv2.pdf


DISCLAIMER

Assets Managed by Firm figure only includes assets under discretionary management. In addition to the discretionary assets, Goff Financial manages an additional $12,997,648 on a non-discretionary basis.

Matthew Goff

Matthew Goff

Biography


Matthew Goff is the founder and Chief Investment Officer of the Goff Financial Group, an SEC registered investment advisory company which manages over $226.9 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.

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My 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 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 understand 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. As a unique individual, you have unique challenges. Meeting these challenges requires a realistic view of your finances. We can help you answer such questions as: Am I taking too much risk with my investments? Am I making sufficient returns on my money? How can I avoid outliving my money? Are my company-sponsored retirement accounts being managed in a manner consistent with my goals? These are but a few of the factors affecting your financial future? and we?ll evaluate everything, providing you with a plan you can feel confident about.


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. Asset Allocation. Rounding out our strategy, we reduce risk by diversifying our client portfolios across a variety of asset classes, which help our clients build long-term value while reducing their risks. By combining our value- based approach across a variety of asset classes, we can help our clients achieve greater growth and income with less risk.


My Team


Communities Served

Alvin Channelview
Cypress Deer Park
Fresno Friendswood
Galena Park Highlands
Houston Humble
Katy La Porte
Manvel Missouri City
Pasadena Pearland
Richmond Rosharon
South Houston Spring
Stafford Sugar Land
Thompsons Webster
All 50 States

Office Hours

Mon. 8:30 AM - 5:00 PM
Tue. 8:30 AM - 5:00 PM
Wed. 8:30 AM - 5:00 PM
Thu. 8:30 AM - 5:00 PM
Fri. 8:30 AM - 5:00 PM

Compensation Arrangements

Check Money Order
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News & Events


Houston Chronicle Interview
When: 01/25/2017
Details:Dow Breaks 20k Barrier 01-25-2017 ...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 company?s financial services, I believe a more accurate job description would be ?Chief Marketing Strategist.? ...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


The Federal Reserve?s 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


What should I do with my stock options?
When: 06/10/2015
Details:If you?re 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


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 strategy?especially given the looming risk of higher taxation. ...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


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/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 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


The Wall Street Journal/Market Watch Interview
When: 11-27-2012
Details:Fiscal Cliff May Clip Powerball Winner 11-27- 2012 ...more


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