Your Financial Future, Reimagined.
Your financial future deserves a tailored plan. At McCarty Wealth, we specialize in guiding retirees and soon-to-be retirees with personalized, tax-efficient strategies that bring clarity and confidence to your retirement journey.
At McCarty Wealth, we specialize in guiding retirees and soon-to-be retirees with personalized, tax-efficient strategies that bring clarity and confidence to your retirement journey.
Tax-Efficient Retirement Strategies
Reduce your tax burden with strategies like Roth conversions and charitable giving.
Legacy & Wealth Preservation Strategies
Structuring your wealth to benefit your family and the causes you care about.
Business Asset Management
Stay focused on your core growth and let McCarty Wealth help you with your asset management solutions.
401(k) Management
Specialized expertise in company-specific 401(k) plans to optimize outcomes.
Our Promise
With a tax-centric approach to financial planning, our team helps you protect your wealth, grow your assets, and make informed decisions for the years ahead. Whether you're planning for your dream retirement or ensuring your legacy for the next generation, we're here to support you every step of the way.
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Your Journey Starts Here
Take control of your financial future today. Schedule a consultation or download our guide to learn more.
Frequently asked questions
Why would I choose McCarty Wealth instead of a larger firm?
Many investors assume larger firms automatically provide better resources, but size doesn’t always translate to better advice. Our clients often appreciate having direct access to their advisor, more personalized guidance, and investment flexibility that isn’t restricted by a corporate platform.
Do you offer investment opportunities I can't get through my current advisor?
Potentially, yes. As an independent firm, we can evaluate a broader range of investment opportunities, including select private market investments, private credit, real estate, and other alternative strategies when appropriate for a client’s situation.
How do I know if I'm paying too much in advisory fees?
Many investors don’t realize what they’re paying once management fees, fund expenses, and other costs are layered together. We believe understanding the total cost of advice is an important part of making informed financial decisions, which is why transparency is a core part of our approach.
Can you provide a second opinion on my current portfolio?
Absolutely. Many new clients first come to us looking for an objective review of their existing strategy. We’ll help identify potential strengths, risks, gaps, tax considerations, and opportunities without any obligation to move forward.
What does retirement planning look like beyond investments?
Investments are only one piece of the puzzle. Retirement planning often includes income distribution strategies, tax planning, healthcare considerations, Social Security timing, legacy planning, and ensuring your assets support the lifestyle you want throughout retirement.
Why do some retirees feel financially stressed even when they have substantial savings?
In many cases, the challenge isn’t how much they’ve accumulated—it’s knowing how to turn those assets into reliable retirement income while managing taxes, market volatility, healthcare costs, and longevity risk.
How often should I expect to hear from my financial advisor?
The right level of communication depends on your needs, but many investors are surprised by how little proactive contact they receive from larger firms. We believe ongoing communication and accessibility are essential parts of the client relationship.
What should I expect during our first conversation?
No sales pitch. No pressure. The first conversation is simply an opportunity to discuss your goals, concerns, and current strategy to determine whether working together makes sense.
Are there opportunities I'm missing because my assets are held at a large brokerage firm?
Sometimes. Large firms often limit advisors to approved platforms and solutions. Independence can create access to a wider universe of investment opportunities and planning strategies that may not be available elsewhere.
What are the biggest mistakes you see people make before retirement?
Some of the most common include taking too much investment risk, overlooking tax planning opportunities, relying solely on market performance for retirement income, and waiting too long to create a comprehensive retirement strategy.
How do you help clients navigate market uncertainty?
Rather than trying to predict short-term market movements, we focus on building strategies designed to withstand a variety of economic environments while keeping clients aligned with their long-term goals.
What happens after I become a client?
The relationship doesn’t end once a plan is created. We provide ongoing guidance, portfolio oversight, planning updates, and regular reviews as your goals, markets, and life circumstances evolve.
