Family and Money Matters

The firm does not appear in publicly searchable SEC or state RIA databases at a registration level that would require public Form ADV filing. This may indicate it operates under a state exemption threshold, functions as a tax-centric planning practice with incidental investment advice, or maintains registration in a jurisdiction without a searchable public portal.

The firm's website indicates an advisory model where client assets are custodied at third-party institutions. This means Family and Money Matters provides investment policy, manager selection, and ongoing allocation recommendations, but does not take physical custody of securities — clients retain control through separately managed accounts or brokerage platforms.

Based on the firm's service mix and Coral Gables location, the client base likely includes professionals, retirees, and business owners concentrated in South Florida, with potential reach into Latin American families who maintain US-based financial interests. The bilingual, cross-border dimension of the Miami-Dade market often shapes how advisory practices in this geography structure their tax and estate planning services.

Public records do not disclose the firm's fee schedule. Advisory practices combining financial planning and tax preparation generally use either asset-based fees (a percentage of AUM), flat retainers for planning work, hourly billing for tax projects, or a blended model. The absence of a public ADV makes it difficult to confirm which approach Family and Money Matters employs.

The firm has not publicly stated a cross-border specialization. However, its Coral Gables base — a market with deep ties to Latin American and Caribbean capital — makes cross-border tax and estate structuring a common competency among advisory firms in that micro-market, even when not explicitly advertised.