1. FMP Answers the Wall Street Journal Family Office Questions
The original publication of the January 3, 2008 WSJ article included a list of questions to ask
when looking for a family office to serve your needs (see box). Below are FMP’s answers to those
questions.
 What is the firm’s fee structure?
A Although FMP does negotiate flat
investment advisory or consulting fees
with some clients, most clients utilize
our investment management services
and pay a percent of assets under
management. Our typical client with
$5M to $20M in assets under
management pays 0.5% annually.
 Does the firm generate any revenue
from selling investment products or is it
only selling advice?
A FMP is and always has been a “fee
only” firm. Our compensation comes
solely from investment management
and, if applicable, hourly consulting
fees that are fully disclosed to the
client. We sell no products, receive no
commissions, nor economically benefit
from any investment recommendation
other than through portfolio
appreciation.
 Does the firm directly manage any money in-house, or does it only use outside money
managers?
A FMP’s investment strategy is the product of the experience gained over 20+ years of caring
for clients’ assets, and the rigorous analytic research of Asset Consulting Group (ACG), an
investment consulting firm. ACG is an active participant in the FMP Investment Committee,
providing sophisticated market research, developing customized asset allocation models, and
recommending the best managers for each asset sub-class.
Approximately 60% of FMP total assets under management are placed with the
professional managers appropriate to the agreed investment objectives and asset
allocations of each client’s portfolio. However, while some clients may have 100% of
their assets managed by professional managers, most enter the relationship with FMP
with some legacy positions or very low basis stocks that FMP manages directly.
These represent about 17% of the total assets under FMP management. Additionally,
many clients are interested in alternative investments to further diversify their
holdings. FMP coordinates and helps structure a variety of private placement LLCs,
fund of funds, and real estate opportunities for those clients with broader investment
interests. These account for approximately 13% of FMP assets under management.
Finally, there are a variety of other assets outside of marketable securities that make
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2. WSJ Family Office Q&A, cont’d
up the balance (9%) of FMP clients’ holdings, including life insurance, retirement
accounts, business holdings and other special investments.
Except as directed and agreed to by the client, FMP does not buy and sell individual
investments for client accounts.
 What range of services does the firm provide? What services does the firm provide in-
house and what does the firm outsource?
A FMP offers a full range of financial planning and asset management services which are
specifically tailored to each family. We help coordinate all aspects of the client’s affairs,
including tax, budget, insurance, investment, real estate, estate, legal, philanthropy, business
succession, and family governance, collaborating with the client’s other professional advisors
when appropriate.
FMP’s staff includes experienced CPAs and estate attorneys to oversee client issues,
but actual preparation of returns and estate documents is handled by outside
professionals. Similarly, FMP staff understands critical insurance forms and
coverages, but relies on dedicated professionals to structure and place policies. FMP
handles light bookkeeping and bill paying for a small number of clients.
We respond to a variety of individual and unique family requests as appropriate, and
always with complete discretion.
 What percentage of the products or funds it offers are proprietary?
A FMP has no truly proprietary products or funds. However, in order to participate in certain
alternative investments with minimum investment levels, FMP may organize an LLC
consisting of FMP clients. In those instances, FMP will act as managing member, and may be
paid an administrative fee for bookkeeping and check distribution, but never any kind of
advisory fee, origination fee, commission, or other form of compensation.
 Is the firm at all compensated by the managers it recommends to clients?
A Never. FMP is and has always been a “fee only” firm.
 What is the firm’s ownership structure? Do client families have any ownership? Is it part
of a large financial institution?
A FMP was founded and still primarily owned by Katherine Lintz. Over the 20 years of the
company’s history, she has included key employees in its ownership. Katherine believes that
independence is the firm’s most important quality, and neither client families nor larger
organizations have any ownership stake in FMP.
 How long has it been offering family office services? Did it arise from a single-family
office? Has there been any merger activity?
A FMP was founded in 1990 by Katherine Lintz as a multi-family office. Prior to opening her
own firm, Katherine handled the financial affairs of the clients of a successful sports agent.
Several clients that started working with Katherine as early as 1984 still rely on her advice
and guidance as clients of FMP today.
 What is the background and experience level of the management team?
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3. WSJ Family Office Q&A, cont’d
A FMP is proud of its experienced and skilled management team whose sole focus is client
service:
Katherine Lintz, CFP® (Partner) – Katherine began work in the financial industry
in 1978 at Chase Manhattan Bank in NYC where she helped develop one of the first
financial education and planning centers in the country.
Donald Poling, CPA (Partner) – Don joined FMP after a 36-year career at Deloitte
where, during his 25 years as a partner he specialized in providing income tax,
financial and estate planning services for affluent families and entrepreneurs.
David Dankmyer, JD, LLM (Partner) – David came to FMP from a position as
Director of Estate Planning for PriceWaterhouseCoopers; prior to that he practiced
estate law in a local law firm. David is an adjunct professor at Washington University
Law School where for five years he has taught a course focusing on the international
aspects of estate law.
Brian Fernandez, JD, CPA (Director) – Brian joined FMP in 2007, bringing a
wealth of experience from the Tax practice of PricewaterhouseCoopers, the Tax &
Estate Planning practice of Husch & Eppenberger, and from the Financial Planning
environment at Moneta Group.
Kendall Young, MBA, CFP® (Director) – Kendall came to FMP twelve years ago
from a previous career in corporate finance. Under Kendall’s direction, FMP has
developed the risk-adjusted allocation models that are the basis of our clients’
individual investment policies, while constantly improving our portfolio systems and
performance reporting.
Whitney Kenter, CPA (Director) – Whitney joined the FMP team in 2009, having
spent the last 15 years working with select family relationships at KPMG and, more
recently, with the Private Banking and Investment Group at Merrill Lynch and the
Private Bank at Bank of America.
FMP has a total of 20 employees, all of whom are available to assist with client needs
as appropriate.
 How many families does the firm serve and how many clients per advisor?
A FMP actively serves about 70 core families, and has another 70 legacy clients. One of the
most satisfying aspects of our practice is to have our clients’ children start families and begin
to seek advice as clients on their own. While it sometimes confuses our family count, it is
very exciting being a multi-generation multi-family office.
All clients are assigned a primary service team consisting of a Partner, a Director, and
a Financial Consultant. In addition, clients have direct access to the tax manager, the
insurance manager, and the accounts coordinator.
 Can I speak to other client families?
A Katherine Lintz has built her business on referrals, without benefit of marketing programs or
advertising campaigns. One of the reasons for this is the sense of confidentiality and
discretion she has for her clients, many who chose to remain “under the radar” so to speak.
That said, we encourage prospective clients to do their homework with other family office or
investment advisory organizations, estate attorneys, tax preparers, and other related service
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4. WSJ Family Office Q&A, cont’d
providers. We will also do our best to put them in touch with a client family with similar
circumstances and interests.
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