{"url":"https://nivawealth.com/firms/mccarthy-asset-management-118285","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/118285","regulatoryAum":422403865,"crd":"118285","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7342714","suffix":null,"lastName":"McCarthy","firstName":"Ryan","middleName":"Stephen"},{"crd":"1542963","suffix":null,"lastName":"MCCARTHY","firstName":"STEPHEN","middleName":"PETER"}],"total":2,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-02-23","regulatoryAum":330344596,"clients":225,"employees":4,"offices":1},{"filedOn":"2022-02-01","regulatoryAum":374028444,"clients":224,"employees":4,"offices":1},{"filedOn":"2023-02-24","regulatoryAum":326136145,"clients":219,"employees":4,"offices":1},{"filedOn":"2024-03-08","regulatoryAum":366197561,"clients":221,"employees":4,"offices":1},{"filedOn":"2025-03-10","regulatoryAum":377857588,"clients":221,"employees":4,"offices":1},{"filedOn":"2026-03-11","regulatoryAum":422403865,"clients":218,"employees":4,"offices":1}],"secFileNumber":"801-60897","legalName":"McCarthy Asset Management, Inc.","displayName":"McCarthy Asset Management","slug":"mccarthy-asset-management-118285","website":"https://mamportfolios.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"1999","organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"3 Lagoon Drive, Suite 155","city":"Redwood Shores","state":"CA","stateName":"California","country":"United States","postalCode":"94065"},"tradeNames":[],"registration":{"secApproved":"1 February 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BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T08:42:18.240463+00:00","documents":[{"name":"FIRM BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017641","versionId":1017641,"submittedOn":"2026-03-11"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"El Paso, TX","smaAssets":422403865}],"custodyNote":"McCarthy Asset Management does not have custody of client assets.","leadership":[{"name":"Stephen McCarthy","title":"President/Chief Compliance Officer","crd":"1542963"}],"ownership":[{"label":"Stephen McCarthy","detail":"President/chief compliance officer in the 75% or more ownership band and a control person, since November 2004."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"3 Lagoon Drive, Suite 155","city":"Redwood Shores","headquarters":true}]}],"brochureServices":["tax planning","tax preparation"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"650-610-9540","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":10},{"label":"Securities issued by registered investment companies or business development companies","percent":89},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"11 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/118285/PDF/118285.pdf","brochureDate":"11 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017641","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does McCarthy Asset Management have?","answer":"McCarthy Asset Management has 218 clients and manages $422 million for them, as of March 2026. They include 169 high-net-worth individuals and 49 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 11 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does McCarthy Asset Management offer?","answer":"McCarthy Asset Management provides financial planning, portfolio management for individuals and small businesses, tax planning, and tax preparation.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does McCarthy Asset Management charge?","answer":"McCarthy Asset Management charges 0.25%–1.00% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in arrears and is not negotiable.","source":"FIRM BROCHURE, filed 11 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does McCarthy Asset Management use?","answer":"McCarthy Asset Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (El Paso, TX), with $422M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 11 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does McCarthy Asset Management have?","answer":"McCarthy Asset Management has 2 investment adviser representatives registered with state securities authorities, out of 4 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does McCarthy Asset Management invest in?","answer":"At the end of its last fiscal year, McCarthy Asset Management’s separately managed accounts held 89% registered funds (mutual funds, ETFs, BDCs), 10% exchange-traded equities and 1% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns McCarthy Asset Management?","answer":"McCarthy Asset Management’s direct owner is Stephen McCarthy (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 11 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does McCarthy Asset Management get paid?","answer":"McCarthy Asset Management is paid through a percentage of assets under management and hourly charges. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is McCarthy Asset Management registered with the SEC?","answer":"Yes, McCarthy Asset Management has been registered with the SEC as an investment adviser since 1 February 2002. Its CRD number is 118285 and its SEC file number is 801-60897.","source":"Form ADV Part 1A, Item 1, filed 11 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact McCarthy Asset Management?","answer":"McCarthy Asset Management’s main office is at 3 Lagoon Drive, Suite 155, Redwood Shores, CA 94065. Its phone number is 650-610-9540. Its website is mamportfolios.com.","source":"Form ADV Part 1A, Item 1.F, filed 11 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/mccarthy-asset-management-118285/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-08-10","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1843169/000195175726001203/0001951757-26-001203-index.html","totalValue":210983638,"positionCount":29,"top10Share":0.8463929463572906,"top10":[{"issuer":"VANGUARD SPECIALIZED FUNDS","titleOfClass":"DIV APP ETF","cusip":"921908844","value":29429719,"shares":124375,"shareType":"SH"},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"SHRT TRM CORP BD","cusip":"92206C409","value":26999033,"shares":341630,"shareType":"SH"},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US DIVIDEND EQ","cusip":"808524797","value":25538652,"shares":805382,"shareType":"SH"},{"issuer":"T ROWE PRICE EXCHANGE-TRADED","titleOfClass":"CAP 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}