FAQ
1. What makes Martino Capital different from other financial advisors?
Unlike many advisory firms that outsource investments to third-party managers, Martino Capital manages portfolios directly and in-house.
Clients speak with the same professionals who make the investment decisions — not salespeople, not relationship managers. This creates a level of transparency and accountability that is increasingly rare in wealth management.
2. Are you fiduciaries?
Yes. Martino Capital is a Registered Investment Adviser, which means we are legally and ethically required to act in your best interest at all times. We act as a fiduciary. Martino Capital is paid only by its advisory fee based on assets under management. We do not take commissions on insurance or annuity products. If an annuity is the best fit, we compare costs, and if a commission would have cost you less, we reduce our advisory fee on that product instead.
3. Who is a typical Martino Capital client?
Our clients are generally investors who want direct access to decision-makers, a disciplined strategy, and personalized management. Many are professionals, retirees, entrepreneurs, and families who prefer a boutique advisory firm rather than large institutions.
4. Do you manage retirement accounts?
Yes. We manage IRAs, Roth IRAs, SEP/SIMPLE IRAs, and employer-sponsored rollovers. Every retirement strategy is built around your timeline, taxes, risk tolerance, and legacy goals — not generic model portfolios.
5. How are your fees structured
Martino Capital charges a single, transparent fee based on assets under management. No product kickbacks. No layered third-party manager fees on top of ours. We act as a fiduciary. Martino Capital is paid only by its advisory fee based on assets under management. We do not take commissions on insurance or annuity products. If an annuity is the best fit, we compare costs, and if a commission would have cost you less, we reduce our advisory fee on that product instead. Because we take no product commissions, there is no double-dip, so our compensation stays aligned with your long-term success. For a plain-English guide to compensation conflicts, read how to spot hidden commissions and conflicts. For the full set of plain-English investor guides on fees, conflicts, fiduciary duty, in-house management, and AI research, see our Guides hub.
6. Do I work directly with the people managing my money?
Yes — that is the core of our philosophy.
At Martino Capital, the portfolio managers and investment professionals are the same people who meet with you, answer your questions, and guide your strategy.
7. How do I get started?
Most new relationships begin with a conversation about your goals, investment experience, and current portfolio structure. You can call us at 303-771-4357, or through our contact page.
8. Where are you located?
We are based in the Denver metro area and are registered as an investment adviser with the State of Colorado (CRD 329648). We may also work with a limited number of clients in other states, as state securities laws allow. Remote meetings are available.
9. Do you work with other professionals?
Yes. When needed, we collaborate with your CPA, estate planning attorney, or tax professional to ensure your investment strategy works cohesively with your broader financial plan.