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 do not take commissions or hidden kickbacks on annuity products unless that structure benefits the client. We act as a fiduciary. If an annuity is the best fit, we compare costs. If a transparent commission costs the client less than our AUM fee, we use that — and disclose it plainly.
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 do not take commissions or hidden kickbacks on annuity products unless that structure benefits the client. We act as a fiduciary. If an annuity is the best fit, we compare costs. If a transparent commission costs the client less than our AUM fee, we use that — and disclose it plainly. We do not collect both an AUM fee and a product commission on the same product (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 serve clients locally and nationwide.
Remote meetings are available for investors outside Colorado.
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.