Matt Costa
Hi 👋🏼 I’m Matt. As a CPA and CERTIFIED FINANCIAL PLANNER® professional with more than 15 years of experience, I help business owners, pre-retirees, and retirees make thoughtful financial decisions with a focus on long-term tax planning.
At Foundation Wealth & Tax Advisors, I bring together tax planning, investment management, and comprehensive financial planning to help clients understand how each decision affects their broader financial picture. My approach is rooted in building genuine relationships and developing strategies that consider not just where clients are today, but where they want to be in the years ahead.
How can I help?
Matthew Costa is a CPA and CERTIFIED FINANCIAL PLANNER® professional with more than 15 years of experience in financial advising and tax planning. As Managing Partner of Foundation Wealth & Tax Advisors, Matt works with business owners, pre-retirees, and retirees to help them make informed decisions about their financial futures.
Matt's background in both accounting and wealth management shapes the way he approaches financial planning. He believes tax considerations should be part of the conversation from the beginning, rather than addressed separately after investment or planning decisions have already been made. His work focuses on helping clients understand how taxes, investments, and long-term financial goals fit together.
In addition to his role at Foundation Wealth & Tax Advisors, Matt is a principal at RCN & Associates LLC, a Maryland accounting practice. Previously, he was a founding partner at Bestgate Wealth Advisors, a Maryland-based financial advisory business. These experiences have given him a perspective on the financial decisions facing individuals, families, and business owners.
Matt earned his Master of Accountancy and Bachelor of Science in Business Administration from the University of South Carolina in 2010, with majors in Finance and Accounting and a directed study in Economics. He is a member of the National Association of Personal Financial Advisors (NAPFA) and is featured on Fee Only Network.
Outside of work, Matt enjoys spending time with his wife, Taylor, and their two children, Cora and Barrett. He is also an avid golfer.
My background is in accounting and finance, and I've spent more than 15 years working across tax planning and wealth management.
After earning my degrees from the University of South Carolina, I built my career around helping individuals and business owners navigate financial decisions. Over time, I've worked in both accounting and financial advisory practices, including as a founding partner at Bestgate Wealth Advisors and now as Managing Partner of Foundation Wealth & Tax Advisors.
Being both a CPA and CFP® professional has shaped the way I work with clients. I believe financial planning and tax planning should go hand in hand, and that perspective continues to guide my approach today.
I primarily work with small business owners, pre-retirees, and retirees who want to take a more coordinated approach to their financial lives.
Many of my clients are thinking about how to manage their investments, prepare for retirement, or understand the tax implications of their financial decisions.
I enjoy helping them bring those considerations together into a plan that reflects their individual circumstances and long-term priorities.
My primary areas of focus are tax planning, investment management, and comprehensive financial planning.
As a CPA and CFP® professional, I look at how taxes influence investment decisions, retirement planning, and broader wealth management strategies.
I believe understanding the relationship between these areas is an important part of making informed financial decisions, particularly for business owners and individuals approaching retirement.
I frequently help clients with tax-aware investment strategies, portfolio management, and comprehensive financial planning.
A significant part of my approach involves looking at taxes over the long term. Rather than focusing only on the current tax year, I help clients evaluate how financial decisions today may affect their tax situation in the future.
I also work with clients to develop investment and retirement strategies that consider their goals, financial circumstances, and changing needs.
My background as a CPA plays a central role in how I approach wealth management.
I believe tax planning should be considered over multiple years and throughout different stages of a client's financial life. A decision that makes sense from an investment standpoint may have tax implications that need to be evaluated as part of the broader plan.
By combining my accounting background with financial planning and portfolio management, I help clients consider those connections before making important decisions.
My favorite part is building real relationships and becoming someone clients trust when they have important financial decisions to make.
Financial planning is personal, and I value the opportunity to get to know clients beyond their investments and tax returns. Understanding their families, priorities, and long-term goals helps me provide guidance that reflects what matters to them.
I find it rewarding to develop those relationships over time and be a consistent resource as their financial lives evolve.
What I appreciate most about Savvy is the support it provides.
Having access to additional resources and a collaborative team allows me to focus more of my attention on working directly with clients. I value being able to combine that support with the personal relationships and tax-focused planning approach that are central to how I work.
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