Fiduciary Duty
Meets Data Science

Engineer turned financial planner, building secure technology and CE-approved programs for the advisory industry.

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Holistiplan (Alum) · AARP TaxAide — Site Lead · Garrett Planning Network · NYC Turing Fellow (2013) · Capital One · CFP® Professional · Enrolled Agent · Holistiplan (Alum) · AARP TaxAide — Site Lead · Garrett Planning Network · NYC Turing Fellow (2013) · Capital One · CFP® Professional · Enrolled Agent ·
Background
The "E-Shaped" Expert
Matteo Hoch
Credentials
CFP®, Enrolled Agent
Education
University of Illinois at Urbana-Champaign
Specialty
Unstructured Data: OCR, Computer Vision, AI, Visualization
Advocacy
Site Lead, AARP TaxAide
Fellowship
NYC Turing Fellow '13

Data Science & Engineering

With a technical foundation from the University of Illinois at Urbana-Champaign, my career has been defined by mastering unstructured data. Whether it was building computer vision models to "read" complex nutrition facts labels or having my sports data modeling work cited by the Harvard Sports Analysis Collective, I specialize in turning noise into signal. This engineering background led me to Holistiplan, where I saw firsthand how much "tax alpha" remains trapped in tax documents—waiting for the right technology to unlock it.

Data Visualization

At Capital One, the data visualizations I developed caught the attention of senior leadership—culminating with a presentation to the CIO demonstrating the power of bespoke data products to help business managers run their most critical operations. That experience crystallized a conviction: the right visual layer on top of the right data changes how leaders make decisions.

Technical Tax & Planning

When I couldn't find an hourly financial planner to help with my own software consulting business, I decided to become one. As a CFP®, EA, I experienced first hand how tough it is to be a financial planner and tax preparer.

Now I'm bringing these threads back together—building tools and training that let fiduciaries move faster, and deeper, without compromising the trust their clients depend on.
Continuing Education
Speaking & CE Programs

Highly technical, objective-based educational sessions designed for NAPFA, CFP Board, and IAR continuing education requirements.

Technical Tax Planning

Hidden Tax Alpha: Optimizing Cash Sweeps, Mutual Funds, and ETFs

This course provides a deep dive into the state income tax mechanics of money market federal obligations and the capital gains implications surrounding the expiration of the Vanguard patent. Because these nuances are often overlooked, they routinely result in missed deductions, surprise tax bills, and suboptimal cash management for clients.

Learning Objectives
  • ANALYZE ETF structures and the capital gains implications of in-kind redemptions following the expiration of the Vanguard patent.
  • CALCULATE the state tax impact and applicable exemptions of Money Market Fund federal obligations.
  • IDENTIFY Municipal market funds and compare their tax-equivalent yields against traditional sweep options.
  • EVALUATE historical cash sweep vehicles to maximize tax efficiency and net yield for High-Net-Worth (HNW) clients.
  • IMPLEMENT communication and reporting strategies to ensure clients and their CPAs do not miss valuable state tax deductions at filing time, and that investment changes are made before major Fall taxable distributions.

Approved for CFP® CE. Board Program ID: 350124

Practice Management & Compliance

Leveraging AI as a Fiduciary: Moving from Never Ending Chats into Personalized, Accurate, and Secure Advice

Guided by the CFP Board’s Generative AI Ethics Guide and the principle of "trust, but verify," this session provides a practical blueprint for securely adopting AI in your financial planning practice. With AI transitioning from a novelty to a fiduciary necessity, advisors must move away from risky, unstructured chat tools and establish strict verification methods to uphold their Duties of Care and Diligence.

Learning Objectives
  • ANALYZE the technical mechanisms behind Large Language Model (LLM) "hallucinations" and evaluate the resulting risks to a practitioner’s Duty of Care and Diligence under Standard A.1.
  • CONSTRUCT a data-stripping workflow to mitigate "Mosaic Theory" privacy risks, ensuring AI prompts do not inadvertently disclose Personally Identifiable Information (PII) or violate IRC Section 7216.
  • IMPLEMENT a "Trust and Verify" process to cross-reference AI-generated advice against primary source data (e.g., tax tables, plan documents) to satisfy Standard A.1.
  • EVALUATE the compliance, data residency, and SEC/FINRA recordkeeping implications of various AI implementation strategies (e.g., public LLMs vs. customized enterprise architecture). (A.5 Consumer protection laws)

Approved for CFP® CE. Board Program ID: 349714

On the Road
Speaking Events
Upcoming
Garrett Planning Network
2026 GPN Retreat
Minneapolis, MN — Jul 30 – Aug 1, 2026
FRI
Utilizing AI Panel · Host
4:00 – 5:00 PM
SAT
Make Your Own Client Deliverables with AI
3:00 – 4:00 PM
Event details & registration
Past
Immersion Conference · 2026
AI Tactics for the Transparent Advisor
Co-presented with Daniel Bishop
GPN Conference · 2025
The Early Years: Highs and Lows and Lessons Learned
Panelist
Evidence-Based Insights
Selected Publications
Industry Research
State of the Financial Planning Profession: January 2026

An analysis of ADV filings to determine what RIAs are doing from an unbiased sample. This report explores fee-models, hourly rates, and behavior in different states.

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Machine Learning
Predicting Brain Age with Convolutional Neural Networks

A novel measure utilizing CNN models to predict brain age using T2 Weighted and FLAIR MR Images. This research demonstrates the application of deep learning in interpreting complex biomedical datasets.

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Predictive Modeling
A Simple Improvement to FiveThirtyEight's NBA Elo Model

Cited by the Harvard Sports Analysis Collective, my paper created a public implementation of Nate Silver's Elo rating systems that helped HSAC researchers better account for variance in professional basketball performance metrics.

View Citation
Current Venture
Fin Pods AI

In addition to planning and speaking, I am the founder of Fin Pods AI, a Public Benefit Corporation chartered to improve the personal finance ecosystem. We build SOC-2 compliant data infrastructure for fiduciaries.

Visit Fin Pods AI