Financial Services and What You Can Expect

Here is what you can expect as you begin your professional relationship with John T. McCarthy, LLC.

• We meet with you and your spouse to review your personal financial goals. For most, these goals will include planning adequate income for the present and capital accumulation for the future.
• We gather all of your financial information and documents through the New Client Questionnaire. This volume of data is then organized, analyzed and integrated.
• We formulate a Personal Financial Plan designed to reach your stated goals.
• We meet to review your plan to ensure that it appropriately reflects your personality, lifestyle and goals. At this meeting, we also spell out planning costs and clarify the timeline.
• At your discretion, your Fee-Only planner will provide guidance or direct assistance in implementing your plan.
• Your plan is monitored with regularly scheduled meetings, and is updated to reflect the changes in your life and in the financial marketplace.

How professional planners charge

By subscribing to the National Association of Personal Financial Advisors (NAPFA) standards, Fee-Only Financial Planners may charge for their services in any of five ways:

• Flat fee or retainer
• An hourly fee
• A percentage of assets
• A project fee
• A percentage of income

At John T. McCarthy  LLC,  fees are based on the amount of work involved in your individual case. Planning fees are always presented in writing and are subject to your approval before work begins.