Security & Custody
The account is yours. We never hold your money.
Where your wealth sits, and why it does not depend on us.
The design of the relationship
Three parties. Roles that never mix.
You open the account in your own name at Interactive Brokers. Motta receives only a limited power of attorney to manage the portfolio. The money never passes through us.
Security memorandum
Twelve clauses you can verify, every one with a source.
The account is opened in your name, at Interactive Brokers. We operate under a limited power of attorney: we trade and debit the agreed fee, nothing else.
Detail and source
We have no custody and cannot transfer a cent to ourselves or to third parties. Source: Interactive Brokers, Advisor Accounts: limited power of attorney, accessed Jun 2026.
Withdrawals go only to verified bank accounts. Creating a new instruction requires confirmation on your own phone, via IB Key.
Detail and source
Source: Interactive Brokers, IB Key / Secure Login System, accessed Jun 2026.
Protection of up to US$30.5 million per account in the event of broker failure. SIPC (US$500,000) plus an excess policy at Lloyd's of London (US$30 million). It does not cover market fluctuation.
Detail and source
Cash sublimits: US$250,000 (SIPC) and US$900,000 (Lloyd's); excess policy aggregate of US$150 million. Futures and options on futures are not covered. Source: Interactive Brokers, Investor Protection; SIPC.org. Accessed Jun 2026.
Client assets are held segregated from the broker's own assets. Where margin clients' securities are used, IBKR reserves 103% of the corresponding market value, computed daily.
Detail and source
Daily computation is above the weekly frequency practiced by most of the industry. Source: Interactive Brokers, Client Asset Segregation, accessed Jun 2026.
You see everything, in real time. Positions, daily results, statements and tax documents, on your computer or your phone.
Detail and source
The portal is available in Portuguese. Statements and tax documents are issued in English. Source: Interactive Brokers, Client Portal & PortfolioAnalyst.
No fee of ours changes without your electronic signature. And it appears itemized on every statement.
Detail and source
Source: Interactive Brokers, Advisor Fees: client consent, accessed Jun 2026.
If you ever want to leave, the account stays with you. Delinking the adviser is one click in the portal: no redemption, no forced sale, no asking anyone's permission.
Detail and source
Source: Interactive Brokers, Linking/Delinking Advisor Accounts, accessed Jun 2026.
We cannot hold your money back. A withdrawal request left pending adviser approval is released automatically within three business days.
Detail and source
Source: Interactive Brokers Campus glossary, withdrawal approval, accessed Jun 2026.
Access protected by two-factor authentication with biometrics. Accounts above US$1 million are entitled to request a dedicated physical security device.
Detail and source
Source: Interactive Brokers, Secure Login System: physical security device, upon request.
Currency conversion at the interbank market. On IDEALPRO the commission is 0.002% (minimum US$2) over the interbank rate on direct orders.
Detail and source
It is a fraction of typical Brazilian bank FX costs. The remittance from Brazil to the U.S. is a separate step, executed by a Brazilian FX institution, with IOF and its own cost. Source: Interactive Brokers, Forex: IDEALPRO pricing, accessed Jun 2026. IOF and remittance costs are set by the Brazilian institution used.
Titling is designed for succession from day one. U.S. assets above US$60,000 can subject a non-resident's estate to U.S. estate tax, at rates up to 40%. Every structure is defined with specialized legal counsel.
Detail and source
We structure account titling and portfolio composition with succession in mind, including alternatives such as joint accounts with rights of survivorship and assets not subject to U.S. estate tax. IBKR requires the IRS Transfer Certificate (Form 5173) above US$60,000, a process that can take a year or more. There is no Brazil-U.S. succession treaty. International succession planning involves both U.S. and Brazilian tax rules, and structures are defined case by case.
Full custody in the United States, under American regulation. Interactive Brokers LLC, which custodies your assets, is regulated by the SEC and FINRA, and Interactive Brokers Group, Inc. is Nasdaq-listed.
Detail and source
Interactive Brokers LLC is rated A− (S&P, stable outlook). Check current figures on the broker's official page as of your reading date. Brazilian filing obligations (IRPF/CBE) are guided by us.
Updated June 2026
The question that matters
"What if Motta closes tomorrow?"
Nothing happens. The account is yours, the assets are yours, the access is yours.
Delinking the adviser is one click in the Interactive Brokers portal, and the portfolio remains intact.
Why it is built this way
No redemption and no forced sale. That is exactly how a wealth relationship should be designed: your security cannot depend on our existence.
Your security does not depend on trusting us. It depends on the structure, and the structure is verifiable.
Verify it yourself
Don't take our word for it. Check the official sources.
Direct questions, direct answers
What if Motta Advisors closes tomorrow?
Nothing happens to your wealth. The account is yours, at Interactive Brokers, and we never hold your funds. Delinking the adviser is one click in the portal, and the account continues exactly as it is, with you in control.
What if Interactive Brokers fails?
Client assets are held segregated from the broker's own assets, with SIPC protection of up to US$500,000 and an excess policy at Lloyd's of London of up to US$30 million per account (cash sublimits apply; market fluctuation is not covered). IBKR is Nasdaq-listed and regulated by the SEC and FINRA.
Do you have access to my money?
No. We operate under a limited power of attorney: we can trade the assets and debit the contractually agreed fee, nothing else. We cannot transfer funds to ourselves or to third parties.
How does inheritance of a U.S. account work?
It depends on the chosen structure: individual titling, joint account with rights of survivorship, or corporate structures. Important: transfer-on-death beneficiary designation is not available to non-residents, and U.S. assets above US$60,000 can subject the estate to American estate tax. That is why titling is designed from day one, with specialized legal counsel.
What about taxes on American dividends?
Dividends from U.S. assets paid to Brazilian residents are subject to 30% withholding at source. There is no Brazil-U.S. tax treaty that reduces it. Portfolio composition takes this into account from the start, and we guide your Brazilian filing obligations (IRPF/CBE).
The account is yours. Always was, always will be.
Verify this personally in a conversationConfidential · No commitment · Rodrigo replies personally