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.
Unless noted otherwise, the source for these clauses is Interactive Brokers' official documentation, as of August 2026.
The account is opened in your name, at Interactive Brokers. We operate under a limited power of attorney: we trade and debit the agreed management fee, nothing else.
Detail
We have no custody and cannot transfer a cent to ourselves or to third parties.
Withdrawals go only to verified bank accounts. Creating a new instruction requires confirmation on your own phone, via IB Key.
Protection of up to US$30.5 million per account in the event of broker failure. Your assets are held segregated in your name and, in a bankruptcy, are returned or transferred to another broker. SIPC (US$500,000, of which US$250,000 for cash) and Lloyd's of London (up to US$30 million) cover any shortfall. They do not cover market fluctuation.
Detail
Coverage applies after segregated assets are returned, for whatever is missing. 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.
Client assets are held segregated from the broker's own assets. That is why invested assets do not depend on the monetary coverage: they are returned, not indemnified. Where margin clients' securities are used, IBKR reserves 103% of the corresponding market value, computed daily.
Detail
Daily computation is above the weekly frequency practiced by most of the industry.
You see everything, in real time. Positions, daily results, statements and tax documents, on your computer or your phone.
Detail
The portal is available in Portuguese. Statements and tax documents are issued in English.
Our management fee does not change without your electronic signature. And it appears itemized on every statement.
If you ever want to leave, the account stays with you. The mandate can be ended at any time in the portal, with no redemption and no forced sale.
We cannot hold your money back. A withdrawal request left pending adviser approval is released automatically within three business days.
Access protected by two-factor authentication with biometrics. Accounts above US$1 million are entitled to request a dedicated physical security device.
Currency conversion at the interbank market. On IDEALPRO the broker's FX commission is 0.002% (minimum US$2) over the interbank rate on direct orders.
Detail
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, set by the 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
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
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.
The adviser link is removed 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?
The mandate can be ended at any time, without moving the account. Nothing happens to your wealth: the account is yours, at Interactive Brokers, and we never hold your funds.
What if Interactive Brokers fails?
Your assets do not depend on the broker's survival: they are held segregated in your name and, in a bankruptcy, are returned or transferred to another broker. For any shortfall, SIPC covers up to US$500,000 per client, of which US$250,000 for cash, plus an excess policy at Lloyd's of London of up to US$30 million per account. No coverage extends to market fluctuation. 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 management fee, nothing else. We cannot transfer funds to ourselves or to third parties.
How does inheritance of a U.S. account work?
US$60,000 is the threshold that matters: above it, U.S. assets can subject a non-resident's estate to American estate tax. That is why titling is designed from day one, with specialized legal counsel: individual titling, joint account with rights of survivorship, or corporate structures. Transfer-on-death beneficiary designation is not available to non-residents.
What about taxes on American dividends?
30% is the withholding at source on dividends from U.S. assets paid to Brazilian residents, and 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 · Directly with a partner