for your family matters
Help family when they need it. Give while you're still around to see it.
Fund a family loan at the right IRS rate, rescue a relative from high-interest debt, protect a cash cushion they can only tap with your okay, run the family 529s, and keep every gift clear of a Form 709 — all in one place, with your CPA or attorney right there.
Loans, funds, gifts, and 529s — one place for the whole family.
Not a tracker that watches from the sidelines — Family Matters documents the decision, moves the money, holds the funds, and keeps the records, so the help actually happens and the paperwork is done.
A real loan, not a handshake.
You fund it; Family Matters turns it into a proper loan and runs it for you — so nobody has to chase a payment or guess what's owed at tax time.
- Set the rate right. Auto-fills the current IRS Applicable Federal Rate so it's a loan, not a taxable gift.
- Hands-off repayment. Automatic ACH payments, a full amortization schedule, and reminders — no spreadsheets.
- Debt rescue. Roll a relative's high-interest cards into one clean family loan at a fair rate.
- Ready for your CPA. The promissory note and 1099-INT are prepared and waiting by year-end.
A cushion that stays a cushion.
Help someone you love build an emergency fund they can't quietly drain. The account is theirs — in their name, at a regulated partner bank — and they've agreed that withdrawals get a second look from you. There when it actually counts.
- Their account, their money. Held in their name at a regulated partner bank, always theirs to keep — neither you nor Family Matters ever owns it.
- A second yes, by agreement. Withdrawals need your okay, with a reason on the record — a guardrail they agreed to, not one you impose.
- Auto-contributions and a growing balance you both watch in real time.
- Pairs with a loan as the covenant that makes a debt rescue actually stick.
Give now — never trip a Form 709.
Give to your kids and grandkids while you're still around to enjoy it with them, with every gift quietly logged against the limits the IRS cares about.
- Every gift logged against the $19,000 annual exclusion, per recipient, per year.
- 709 flag the moment a gift crosses the line — before it's a surprise in April.
- Lifetime-exemption meter so you can give on purpose, not by accident.
- Free to start — the ledger with a login. Your CPA can see it too.
The whole family, one fund.
Connect a child's 529 and invite everyone in — grandparents, aunts, uncles, family friends — so a dormant account becomes one the family keeps growing.
- Connect an existing 529 — no new account, no switching plans.
- One-tap invites for the whole extended family, one-time or recurring.
- Every gift tracked against each giver's own exclusion automatically.
- Superfunding aware — front-load up to 5 years in one go, flagged for you.
Send support or stipends — documented, not a drain.
Send a parent, a sibling, or an adult kid money — a set amount each month or a one-time stipend — logged and visible to the family, so support is intentional and on the record instead of an untracked drip from your checking account.
- Recurring or one-time. Automate a monthly amount or send a one-off stipend — pause or adjust anytime.
- Your choice — ACH or a debit card. Deposit it straight to their bank account, or put it on a Family Matters card for someone without one — freeze it, top it up, set guardrails, and see every purchase.
- Logged against the $19,000 exclusion automatically if it crosses the line.
- Visible to the family — siblings can share a parent's support without the awkward math.
Free tools & guides for every family money decision
Pick the situation you're in — each hub gathers the calculators, document generators, and plain-English guides for it.
Family Loans
Lend within the family the right way — documented, compliant, serviced.
- Family Loan Calculator
- Promissory Note Generator
- AFR rates & imputed interest
- Loan vs. gift & help with debt
Gifting & Gift Tax
Give now and track every gift against the $19,000 exclusion and Form 709.
- Gift Tax & 709 Checker
- Gift & 709 Ledger
- Estate Tax Projector
- State estate & inheritance tax
College & Custodial Savings
529s and custodial accounts the whole family can fund.
- 529 vs. custodial guide
- 529 Superfunding Calculator
- 529 tax deduction by state
- Custodial accounts & gift tax
Protecting Family Money in Divorce
Keep gifts, inheritances, and family loans in the family if a marriage ends.
- Is a gift/inheritance marital property?
- Loan vs. gift in divorce
- Promissory Note Generator
- Gift Letter Generator
From "we should help" to "it's handled" in three steps.
Set up the decision
Start a loan, a protected fund, a gift, or a 529 — or import what already exists. The IRS rate, schedule, and paperwork fill in automatically.
Invite the people involved
Add the other family member and, if you want, your CPA or attorney as a scoped guest. Everyone sees the same live picture.
It runs from here
Payments move, funds stay protected, gifts get tracked, and the records your CPA needs are ready — without anyone chasing a spreadsheet.
A family rescue beats a bank every time.
When a relative is buried in 22% credit-card debt, the cheapest lender in the room is family. Family Matters makes that loan real and compliant — and the interest a bank would have taken stays inside the family.
Illustrative: $40,000 paid over 5 years. AFR shown is June 2026 long-term (4.87%). Your numbers will vary.
A tracker watches.
Family Matters does the work.
Spreadsheets and loan-tracker apps log what happened. Family Matters actually moves the money, holds the funds, attaches the guardrails, and keeps the whole family — and their advisors — in sync.
| Family Matters | Loan-tracker apps | Loan management software | Spreadsheet | |
|---|---|---|---|---|
| Documents the loan at the IRS AFR | ✓ | ✓ | ✓ | — |
| Actually moves the money (ACH) | ✓ | — | ✓ | — |
| Recurring support & stipends | ✓ | — | — | — |
| Issues a debit card for support | ✓ | — | — | — |
| Holds & gates a protected fund | ✓ | — | — | — |
| Covenants that make help stick | ✓ | — | — | — |
| Gift / Form 709 tracking | ✓ | — | — | — |
| Flags what needs attention before April | ✓ | — | — | — |
| Family-funded 529 invite loop | ✓ | — | — | — |
| Your CPA & attorney, scoped in | ✓ | — | — | — |
| One hub for the whole family | ✓ | — | — | — |
Built for the moments families actually face.
The debt rescue
A sibling is drowning in credit-card interest. Consolidate it into one fair family loan — with a protected fund so it doesn't happen again.
The down payment
Help an adult kid buy their first home with a documented loan at the AFR — not a gift that quietly triggers a 709.
The grandparent 529
Grandma wants to chip in for college. Pull the whole family into one 529, every contribution tracked against each giver's exclusion.
The safety net
Help a relative in recovery build a cushion they can't drain on impulse — withdrawals only with your okay.
Giving while living
Pass down wealth now, while you're here to enjoy it — gifting strategically, every dollar tracked against the lifetime exemption.
Keeping advisors in the loop
Your CPA and estate attorney see the loans, gifts, and records live — instead of a year-end pile of emailed PDFs.
Protect what you give
Money you put into a married child's life is presumed a gift — and split in a divorce — unless it's documented as a real loan. Family Matters keeps the record that keeps it in the family.
Supporting an aging parent
Send a parent steady monthly support, documented and shared with siblings — so everyone carries their part without the awkward math.
Keeping it fair across the kids
Gave one child a down-payment loan and another a wedding? Family Matters keeps a running ledger of who got what — gifts and loans — so you can keep it even, or uneven on purpose.
Coordinate like a family office — without the staff.
A family office has a team keeping the loans, gifts, funds, and records straight. Family Matters gives you that coordination layer, and invites the CPA and attorney you already use right into it.
One live picture
Every loan, fund, gift, and 529 in one place — current, not reconstructed from email at tax time.
Scoped advisor access
Invite your accountant or attorney as a guest who sees exactly what they need, nothing more.
It sharpens them, never replaces
Family Matters executes the decisions; your advisors keep advising — with clean records, not a year-end pile.
You're moving real money.
Here's how it stays safe.
Who holds the money?
Funds are held at a regulated partner bank in an account structure built for this — not on Family Matters' own balance sheet. Family Matters facilitates and services; the bank custodies. On family loans, the capital always comes from the family lender; Family Matters never lends or fronts money.
Who owns the money?
The contributor. The account is in their name and the balance is always theirs — at loan payoff or any close, it returns to them. The approval step is a guardrail they agreed to, not a transfer of ownership: Family Matters services the account and never owns the funds.
Is Family Matters a money manager or advisor?
No. Family Matters doesn't manage your money, track your net worth, or advise your strategy. It coordinates and executes decisions your family has already made — and keeps your own advisors in the loop.
Do you collect Social Security numbers or bank details?
Only what's required to verify identity and move money safely under banking rules, handled through regulated partners and encrypted in transit and at rest. Your data is never sold, and no family member sees more than their role requires.
Can both sides see the same loan or fund?
Yes — that's the point. The lender and borrower (or giver and recipient) share one live view, with role-based permissions, plus any advisor you choose to invite.
What does it cost?
The core tools — the gift & 709 ledger and the calculators — stay free. From there, you pay for the work: a servicing fee when money actually moves (funding a loan, holding a protected fund), and a simple subscription for advanced features. We'll share exact pricing as early access opens.
Start free — the tools are live today.
Track gifts against the $19,000 exclusion with the gift & 709 ledger, check the current AFR, and model a family loan right now, for free. The full toolkit — funding, servicing, and protected funds — opens with early access.
Be the family that handles it.
Early access opens soon. Tell us what you need help with and you'll be first to know when it's your turn.
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