A boutique financial firm

Make your money work for you - and the ones you love.

Let's start with a conversation. We'll look at where you stand across protection, income, and investments and whether your current plan is built for what's next.

No pitch. No pressure. Just a clear look at where you stand.

Am I On Track? → Schedule a conversation →

Matthew Fine, Founder of Fine Financial Group

A note from the founder

We built Fine Financial Group from scratch to do this differently.

Our advisors aren't new to financial planning. But the firm is new on purpose. We started Fine Financial Group because we wanted to build something without legacy baggage - a practice designed specifically for business owners and growing families who need coordinated planning across protection, income, and investments. Not a product catalog. A team that sees the full picture.

Most firms give you one advisor who tries to do everything. We built a team of specialists across protection, income, and investments so you get real depth in every area, not one person stretched thin. Your insurance advisor knows what your investment advisor is doing. Your income strategy reflects your protection plan. Everything connects because everyone is working from the same page.

I believe most people don't need more financial products. They need someone who will take the time to understand what they already have, tell them what's working, and help them make better decisions going forward. If that sounds like what you're looking for, I'd welcome the conversation.

Matthew Fine

Founder & Managing Partner, Fine Financial Group

Who we serve

Built for people building something.

We work best with clients whose financial picture has more than one moving part - multiple goals, growing income, real responsibilities.

Successful professionals

Earning $200K+, with growing income to plan around.

Entrepreneurs & business owners

Where personal finances and business decisions intersect.

Growing families

Protecting what you've built while planning for what's next.

Pre-retirees

Focused on stability, income, and legacy for the years ahead.

How We Work

We start by listening.
Not pitching.

Most firms lead with products. We lead with questions. The right plan starts with understanding what you're building - then working backward from there.

No products before problems

We don't recommend anything until we understand what you're solving for. Every product has a purpose - or it doesn't belong in your plan.

A team, not a person

Multiple specialists with different areas of focus means you get the right expertise for each part of your financial life, not one generalist stretching across everything.

Plain language, every time

If we can't explain it clearly, we haven't thought about it enough. You should understand every recommendation and why it matters.

A relationship, not a transaction

Financial planning isn't a one-time event. We stay engaged as your business grows, your family evolves, and the landscape shifts.

Our Capabilities

Three pillars. One coordinated plan.

Pillar One

Protection

Life & disability coverage
Key-person insurance
Buy-sell funding
Long-term care planning
Estate & legacy structure

You've built something worth protecting. We make sure the people and businesses that depend on you are covered - not with a generic policy, but with coverage designed around how your life actually works.

Pillar Two

Income

Business owner compensation strategy
Tax-efficient income planning
Cash flow modeling
Retirement income design
Executive benefits

How you pay yourself, how you save, and how you'll eventually transition - these decisions are connected. We plan them that way, whether you're scaling, stabilizing, or stepping back.

Pillar Three

Investments

Portfolio construction & management
401(k) / qualified plan design
Education funding (529 / UTMA)
Tax-loss harvesting
Alternative strategies

Investments are a tool, not the whole plan. We build portfolios that serve your goals, match your risk tolerance, and stay aligned as things change - not ones designed to impress at a dinner party.

The FFG Process

How we determine if you're on track.

Understand your goals and vision

You can't know if you're on track until you're clear on where you want to go. We start there - with what matters to you, your family, and your business.

Review your current plan

We look at what you already have - protection, investments, retirement strategy - and see how well it aligns with where you're trying to go.

Explore your options

If something's off-track, we walk through clear options tailored to your goals, needs, and risk tolerance. Plain language, every time.

Take action - without pressure

You decide what to adjust. We help you strengthen your plan so it supports your future. No rush, no upsell.

“Most financial decisions don't happen in perfect conditions. They happen while you're running a business, raising kids, dealing with risk, and trying to make smart choices without overthinking every move. We were built for that reality.”
Matthew Fine, Founder

Make your money work for you - and the ones you love.

We built Fine Financial Group from scratch to do this differently.