Family money never sits still. Every move lands on one ledger.
You set up the family loans and the 709s, and the strategy behind them. The family's gifts, payments, and improvements land as they happen. Family Matters services and tracks it all on one live record, doing the tax math as it goes, so nothing waits until April.
A family loan starts with a handshake. Make it real, everyone clear on the terms.
You stepped in when it mattered. Family Matters turns the favor into a real loan at the IRS rate. It records every payment, tracks the interest, and draws the balance down on its own. When the AFR falls, one click lowers their payment. Your CPA is right there whenever you want.
The family loan everyone remembers differently.
It's a real loan at the IRS rate, and it services itself. When the AFR moves, one click recasts it. Charge below that rate or miss a payment, and the forgone interest becomes a gift that day.
Open the loan calculator4.60%
Every gift rolls up to one number.
A client's gifts get counted against each person's $19,000 limit, whether it's a check, a 529, or a family loan they forgave. Go over, and the draft 709 is already started, with the rest drawn from the lifetime exemption, tracked to the dollar.
Open the gift & 709 ledgerMoney set aside, and kept that way.
Money set aside for a purpose: an emergency fund, the reserve a loan requires, or an inheritance held for a grandchild. It sits in an account you can both see. If the balance drops below what they agreed to keep, or a withdrawal needs your approval, it’s on the record right away.
Give without losing controlThe home keeps its own cost basis.
The primary home, the second place, or the house the whole family shares. Every improvement lands on the record, so each home builds its own cost basis — the number the kids inherit when the home is gifted, and the one that sets the gain if it's ever sold.
The whole family, one fund.
Connect a child's 529 and invite everyone in: grandparents, aunts, uncles, family friends. Send a birthday gift, a holiday check, or a little each month, all in a single tap. A dormant account becomes one the whole family keeps growing.
See the 529 superfunding calculatorBy January there's nothing left to reconstruct.
The 1099-INT figures and draft 709s come together over the year. You open the packet, review the drafts, and file. The rest is done.
You make the call.
Family Matters keeps the record straight.
Family Matters connects read-only to the family's own accounts, keeps the record, and gets the year-end packet ready. The money's already moving, and Family Matters follows what matters for tax and estate. You set the strategy, and the figures are there when you need them.
Which advisor are you?
Tax, legal, financial: the three pros on a family’s team, each working from the same live record.
The year-end scramble, gone.
- Every gift logged against the $19,000 exclusion and each lifetime exemption, the day it’s given.
- Form 709 flagged the moment a gift crosses the exclusion, months before the deadline.
- 1099-INTs and promissory notes prepared as loans are serviced, waiting at year-end.
The instruments you draft, actually executed.
- Import the note or trust-as-lender terms you drafted; Family Matters services the exact document.
- The covenants you wrote — monitored reserve, no-new-debt — tracked and followed.
- A documented, serviced loan helps keep a gift separate property if a marriage ends.
The family’s whole financial life, in view.
- See the wealth that lives off your statements: loans, gifts, 529s, and the family home, on one record.
- Coordinate the CPA and attorney from the same live record.
- Show a client the hard dollars their family keeps in interest, instead of a bank.
Multi-family office? See how it scales across every family you run →
You start with a single client.
You bring one client onto Family Matters and see only their matters. There's no book to migrate; the record fills as you and your client connect accounts and add the history that matters.
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