Services
Waterloo Family Office Approach
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Our Team
Mark McAdams
Family Office Services Managing Director
With over 3 decades of experience working with closely held business owners, shareholders or partners of mid-sized companies and family offices, Mark has assisted in legal, financial, and investment planning, His personal work experience includes being a business owner himself and attorney. In 2001, Mark decided to move out of the full-time practice of law make his focus proactive client planning and the financial services industry. Currently Mark oversees Waterloo’s Family Office Services division. Mark’s expertise in all areas of wealth management, specifically business, tax, estate and transition planning, helps families manage, maintain and grow their wealth across multiple generations. In addition to this role, Mark is the co-founder of Ironclad Strategies (powered by Waterloo), a multi-family office). Mark is sought after by business owners as they transition from the active growth of their companies into exit or transition planning and wealth building for their families and other interests.
As a financial advisor, Mark brings a thoughtful understanding of clients wants and needs in addition to complex strategy and product knowledge to his work. Mark’s experience and resources have enabled him to advise and add value to a variety of clients from diverse backgrounds and industries while helping them focus on Risk Management, Asset Coordination, Small Business Planning and Multi-generational Wealth Planning. Mark is a graduate of Stanford University and the University Of Texas School of Law. He speaks regularly, connecting with audiences on topics of benefits, business transfer /transition strategies, protection planning and financial independence.
Michelle Kultgen
Family Office Services Managing Director
Michelle Kultgen is Managing Director at Waterloo Capital Family Office Services. She is responsible for delivering comprehensive advice, management and strategic planning to family offices with a focus on integrating investment, tax, legal, asset protection and philanthropic goals into each client’s wealth plan. In her role, Michelle manages the overall client relationship while providing deep expertise on gift and estate tax planning and wealth transfer strategies. Michelle brings more than 20 years of experience advising high-net-worth individuals, families, closely held business owners and charitable organizations through roles in the financial services and legal industries.
Prior to joining Waterloo, Michelle was Executive Director and Senior Trust Advisor at Wells Fargo Bank in Austin, Texas. In that position, she served as a subject matter expert on gift and estate tax issues, wealth transfer planning, fiduciary advice, and trust and estate solutions and managed fiduciary relationships with high-net-worth clients. Previously, Michelle was an attorney representing ultra-high-net-worth clients as Counsel at Pillsbury Winthrop Shaw Pittman LLP in their Trusts and Estates practice group in Washington, District of Columbia, and Associate at Cravath, Swaine & Moore LLP in their Trusts and Estates practice group in New York, New York. Michelle began her career with Paloma Partners Management Company, a Greenwich, Connecticut hedge fund.
Michelle is a graduate of Princeton University in Princeton, New Jersey, where she earned her Bachelor of Science in Engineering degree in Civil Engineering and Operations Research with a concentration in Engineering Management Systems. She also earned a Juris Doctor degree from Columbia University Law School in New York, New York. Michelle is a licensed attorney in the State of New York, State of Texas and District of Columbia and a member of the Estate Planning Council of Central Texas.
Jordan Goforth
paraplanner
Jordan is a Client Service Associate and Paraplanner. With extensive experience in Client Services & Financial Planning, Jordan strives to meet clients’ needs and takes pride in providing a personalized client experience. Jordan holds a BBA in Finance from University of Arkansas at Monticello where she was a Division II All American.
John Chatmas
chief executive officer
Mr. Chatmas previously held the position of Senior Vice President, Private Client Group, with Smith Barney in their world headquarter office in NYC during the early 90’s. In 1999 Mr. Chatmas agreed to head a team for Morgan Stanley’s Private Client Group in Dallas, Texas. In 2005 Mr. Chatmas founded Caddie Central Inc, which would become the second largest company of its kind. The Chatmas family ultimately sold Caddie Central to Troon Golf. In 2011 Mr. Chatmas assumed the role of CEO for Virtus Private Wealth. He then acquired the controlling interest in 2012 and rebranded the firm as Waterloo Capital.
David Sabonghy
Senior Wealth Advisor
As a Senior Financial Advisor at Waterloo Capital, David Sabonghy brings 22 years of experience in delivering comprehensive financial solutions tailored to meet the unique needs of high-net-worth individuals and families. Known for his deep expertise in retirement planning, investment strategies, tax, and estate planning. David is dedicated to guiding clients through complex financial landscapes with clarity and confidence.
David holds a Bachelor of Science in International Business from Spring Hill College and has earned the Chartered Retirement Counselor certification underscoring his commitment to professional excellence. He is particularly adept at developing customized investment strategies, navigating complex tax and estate scenarios, which allows him to deliver actionable insights and innovative solutions.
What sets David apart is his unwavering commitment to building meaningful relationships with clients. He believes in a client-centric approach, taking the time to understand each client’s goals and aspirations to craft personalized financial plans that align with their long-term objectives.
Outside of his professional role, David is actively involved in community service. He serves on the board of Medical Missions of Divine Mercy, a non-profit dedicated to providing medical care in underserved areas, and is also a board member for God’s Garden, an organization that promotes organic food production for food banks and offers gardening education to foster sustainability in the local community reflecting his commitment to giving back and contributing to the community.
David is excited to leverage his experience and expertise to help you achieve your financial goals and navigate the path to financial security and success.