Wealth Management

Designed for Sales Professionals

Fee-Only Financial Planning and Investment Management

Our Firm

Matheson Financial Partners is a fee-only financial planning and wealth management firm specializing in helping sales professionals accumulate and preserve their wealth. Beginning with helping our clients define and prioritize goals, we then create a strategic plan to maximize the opportunities of their variable/bonus comp, or equity compensation plans. As a fiduciary, we manage investments and help clients plan for major life events such as college or retirement while incorporating tax mitigation and estate planning guidance into our planning considerations. Located in the San Francisco Bay Area, we serve our clients locally and virtually nationwide.

Leading our independent firm is Tony Matheson, CFP® - who has spent decades relating to clients who discover that the treadmill of hitting their sales goals has taken precedence over managing what they’ve earned.

How We’re Different

Expertise

We are experts in financial planning, specialized in partnering with sales professionals.

Straightforward

We’re upfront about our fees, processes and other information you need to know throughout our engagement.

We Leave the Selling to You

As a fee-only firm, we are compensated exclusively by the transparent fee paid to us by you, our client. There is NO sales pitch, NO commissions, & NO products sold

Knowing Each Other

Let's Get Acquainted

Who We Work With

As a sales professional, you focus on what matters in your work, setting goals and achieving them. While doing this successfully, your own personal to-do list can get long and overwhelming in contrast, and the thought of setting aside time to organize your own finances can fall to the bottom of the priority list. That’s not good if you want to plan for the future.

Examples of sales professionals we’ve helped:

Software and IT
Sales Trainers
Realtors
Medical Device Reps
Pharmaceutical Reps

Consultants
Fitness Industry
Finance
Fashion
Marketing and Advertising

Consider these questions:

Do you find yourself focused on hitting sales goals or achieving earnings goals at the expense of organizing your own financial planning needs?
Do you struggle to manage your variable compensation and RSUs in a consistent and confident manner that supports a long-term strategy for your life and finances?
Are important materials like estate documents located safely in one place and updated?

If you answered “yes” to any of these, Matheson Financial Partners is here to help. With more than two decades of experience, we understand how spending time on areas outside your sales work often gets neglected, including wealth management. We’re here to fill in the gap for you. From tax efficient investment strategies to college planning, Matheson Financial Partners is ready to help you manage your financial future.

Experienced and Ready to Serve You

Tony Matheson, CFP®

Founder & Wealth Advisor

Tony founded Matheson Financial Partners in 2017 after selling investment solutions to financial advisors for over 20 years. Prior to founding MFP, Tony was head of sales with some of the largest asset management firms in the country, including Principal Financial. His first sales territory took him to New York for 4 years until he returned home to lead the sales division for the San Francisco Bay Area region.

“One of the pitfalls I’ve seen my colleagues face is grinding so hard to hit their sales and income goals that they neglect to plan how to manage their incoming assets. Income is not the same as wealth. I work closely with my clients developing systems to help them efficiently retain their assets and accumulate wealth, allowing them to put their focus and energy into what’s important to them.”

His vision was to design an independent fee-only firm to deliver comprehensive financial planning as a fiduciary, specializing in solving the challenges that many sales professionals face.

Over his career, Tony has helped advisors identify solutions and implement investment strategies for their clients. He has been a featured speaker at various industry events on topics including economic forecasts, optimizing social security payments, and college planning.

Tony is a CERTIFIED FINANCIAL PLANNER^TM and earned his Bachelor of Arts in Theological Studies from Bethany University in Santa Cruz, CA. He grew up in the San Francisco Bay area and currently lives in Walnut Creek, CA with his wife Barbara and their 2 kids. When he’s not working, you’ll probably find him on his Peloton bike or a softball diamond. He has completed marathons from SF to NYC and has volunteered with various organizations including Financial Planning for Cancer.

Services & Fees

What You Can Expect

See What We Offer

Integrated Financial Planning & Investment Management

Wealth Management encompasses your entire financial picture. Think of it as a puzzle. Your investments are one piece of it. A very important piece, but one that works best when it integrates with and complements the entire puzzle. First, we assess your current situation. Next we help you clarify, define, and prioritize your goals. The next step involves an assessment of multiple financial and lifestyle variables as we map out a course with the highest probability for a successful outcome.

Common Topics We Address:

Defining Goals

What are your goals for 1, 5, and 10+ years out?
Are you on track to achieve them?
Who holds you accountable for these goals?

Strategic Spending Plan

Does your income support your current lifestyle and is that sustainable?
What is the best way to handle a substantial bonus?
Are you spending in a thoughtful manner and intentionally?
How much do you need in case of emergency, unexpected expenses, or a slowdown in sales?
How much can you safely spend without feeling guilty?

Retirement

What does retirement mean to you?
How much money do you need to retire?
What lifestyle do you envision and how much will it cost?
When would you like to quit working?
What healthcare costs do you anticipate and which Medicare plan should you select?
Do you need help determining the best Social Security payment election for your you and your family?

Investments

Are you following a strategic investment plan?
Are you paying too much for your current portfolio?
Are your investments performing adequately?
Is your strategy aligned with your goals?
Are you taking on too much risk? Not enough?
Are your investments currently aligned with your values?

Debt Management

How do you prioritize which debt to pay down first?
Should you be paying more or saving and investing?

Employee Benefits

Are you optimizing your benefits at work?
Should you use a health savings account?
Could you save money by utilizing your benefits differently?
Are you making the most of your ESPP or other equity comp outside your salary?

Insurance

Do you need life and/or disability insurance?
If you do, what kind of policy is right for you?
How do you know where to go to buy a policy?
Does an umbrella policy make sense for you?

Housing

Should you buy or continue to rent?
How do you determine your down payment?
When should you refinance your mortgage?
Should you explore real estate investing?
Is it better to pay down your mortgage on your home or invest that money elsewhere?

Education Planning

How much should you be saving for college?
Are there other ways to fund a college education (beyond what you save yourself?)
Is a 529 plan right for your situation?
Do you need help preparing the FAFSA form and choosing a college that is appropriate for your financial situation?

Estate Planning

Do you need a trust in addition to a will?
Are you fully protected should something happen?
What documents do you have or need in place now?
Do your loved ones know where your important documents are saved?

Tax Planning

Are you taking advantage of all tax savings opportunities?
Does tax deferral make sense for you?
Are your investments working in tandem with your tax situation?
Should you exercise your RSUs or other equity compensation this year, or wait?
Are you making your charitable donations in a way that benefits both you and the charity in the most tax advantaged way possible?

Invested Assets	Percentage Charged	Planning Fees
Up to $500,000	1.00%	Initial $1,500 then $150/monthly
$500,001 - $1,000,000	0.90%	N/A*
$1,000,001 - $2,000,000	0.70%	N/A*
$2,000,001 and Above	0.50%	N/A*

* Assets over $500,000 there is no additional fee for financial planning

Financial Planning Only

If you like managing investments on your own and just need advice when it comes to financial planning, we have a service designed to help. We can provide either a one time comprehensive plan, or work on an ongoing basis.

type of planning	fee Charged
One Time Plan	$3,500
Ongoing Planning	$2,000 then $150/mo

Investment Management Only

Some clients just need us to manage their investments and are not looking for comprehensive financial planning. That’s ok. We can help with that. We run an analysis to determine an appropriate investment path for you, then match you with one of our various strategies. Our process can accommodate tax free investing and, if you choose, may include socially aware investment options. We also will manage around concentrated position risk.

INVESTED ASSETS	PERCENTAGE CHARGED
Up to $500,000	1.00%
$500,001 - $1,000,000	0.90%
$1,000,001 - $2,000,000	0.70%
$2,000,001 and Up	0.50%