Vetted Advisor's Table

Matthew Goff
The Goff Financial Group

Tel: 713-850-8900
11 Greenway Plaza, Suite 1425
Houston, TX 77046
The Goff Financial Group | Financial Advisor in Houston ,TX

Fee Only | Fully Independent | Fiduciary

About Matthew Goff

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.

About The Goff Financial Group

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.

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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


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.


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.

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. 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- the based approach across a variety of asset classes, we can help our clients achieve greater growth and income with less risk.

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?

Factoring in retirement income, healthcare expenses, Social Security and estate planning, we can put together a comprehensive strategy structured specifically for your unique income needs, tolerance for risk, and long- term financial goals. We even include a Probability of Success Analysis, which calculates the likelihood of achieving your goals and provides steps for dramatically increasing those odds.

401K Rollovers

We can assist with rolling over your 401(k) or employer-sponsored retirement plan.


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.



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



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:


Acknowledged fiduciary:


Office Hours

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

Communities Served

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

Compensation Arrangements

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Bank Transfer Visa
MasterCard American Express
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News & Events

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

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

Houston Chronicle Interview
When: 01/25/2017
Details:Dow Breaks 20k Barrier 01-25-2017 ...more

KHOU Interview
When: 11/02/2016
Details:How Will The Presidential Election Affect The Economy 11-02-2016 ...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

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

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

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

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

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

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

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

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

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

Smart Money Magazine Interview
When: 03/29/2012
Details:How to Invest $640 Mega Millions 3-29-2012 ...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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