{"url":"https://nivawealth.com/firms/mccay-wealth-advisory-286503","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/286503","regulatoryAum":495389747,"crd":"286503","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7817379","suffix":null,"lastName":"Botello","firstName":"Genesis","middleName":null},{"crd":"7332679","suffix":null,"lastName":"Covert","firstName":"Bradley","middleName":null},{"crd":"5251087","suffix":null,"lastName":"MCCAY","firstName":"BRENT","middleName":"ALAN"},{"crd":"6288399","suffix":null,"lastName":"MCCAY","firstName":"EMILY","middleName":"SUZANNE"},{"crd":"7718660","suffix":null,"lastName":"PROFFITT","firstName":"HAYDEN","middleName":"HOUSTON"}],"total":5,"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":"2021-02-18","regulatoryAum":160561138,"clients":385,"employees":4,"offices":2},{"filedOn":"2022-04-12","regulatoryAum":195553970,"clients":442,"employees":6,"offices":2},{"filedOn":"2023-02-21","regulatoryAum":247507878,"clients":488,"employees":7,"offices":2},{"filedOn":"2024-02-26","regulatoryAum":284372785,"clients":562,"employees":9,"offices":2},{"filedOn":"2025-02-05","regulatoryAum":384634902,"clients":707,"employees":9,"offices":2},{"filedOn":"2026-02-26","regulatoryAum":495389747,"clients":876,"employees":10,"offices":2}],"secFileNumber":"801-114039","legalName":"McCay Wealth Advisory LLC","displayName":"McCay Wealth Advisory","slug":"mccay-wealth-advisory-286503","website":"https://mccaywealth.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/286503/57813a6d21b15291-r1.webp","tone":"light","width":411,"height":200,"sourceUrl":"https://www.mccaywealth.com/","sourceLabel":"Mccay Wealth Advisory LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/1161116/admin/dashboard/","founded":null,"organization":"Tennessee limited liability company","fiscalYearEnd":"December","headquarters":{"street":"624 N Woodland Street","city":"Manchester","state":"TN","stateName":"Tennessee","country":"United States","postalCode":"37355"},"tradeNames":[],"registration":{"secApproved":"24 September 2018","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":498196.039580908,"staff":{"employees":10,"advisory":5,"brokerDealerReps":0,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":495389747,"discretionary":481837719,"discretionaryAccounts":878,"nonDiscretionary":13552028,"nonDiscretionaryAccounts":2,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":528,"regulatoryAum":132313964},{"label":"High-net-worth individuals","clients":331,"regulatoryAum":295636434},{"label":"Pension and profit-sharing plans","clients":9,"regulatoryAum":22796475},{"label":"Charitable organizations","clients":8,"regulatoryAum":39075605},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":5567269}],"feePrograms":[{"role":"main","program":"Asset Management","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012364","versionId":1012364,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-02-26","documentName":"FORM ADV PART 2A","fee_rate_low":1,"fee_rate_high":1.4,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning","summary":"Financial planning is charged as a fixed fee or hourly at $250 to $500 per hour, negotiable; fixed fees for longer-term consulting projects range from $250 to $2,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012364","versionId":1012364,"submittedOn":"2026-02-26","documentName":"FORM ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T10:18:13.809291+00:00","documents":[{"name":"FORM ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012364","versionId":1012364,"submittedOn":"2026-02-26"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":460027000}],"custodyNote":"McCay Wealth Advisory has custody of $132M in client assets for 650 clients.","otherCustodians":[],"leadership":[{"name":"Brent McCay","title":"Managing Principal","crd":"5251087"},{"name":"Emily McCay","title":"CCO","crd":"6288399"}],"ownership":[{"label":"Brent McCay","detail":"Managing principal in the 75% or more ownership band and a control person, since December 2016."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Tennessee","offices":2,"addresses":[{"street":"624 N Woodland Street","city":"Manchester","headquarters":true},{"street":"1038 S Chancery Street","city":"McMinnville"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"931-728-2130","stateRegisteredReps":5,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Educational seminars/workshops"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":5},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":92},{"label":"Cash and cash equivalents","percent":1},{"label":"Other","percent":1,"detail":"Variable Annuities"}],"privateFunds":0},"sources":{"adv1FilingDate":"26 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/286503/PDF/286503.pdf","brochureDate":"26 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012364","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 McCay Wealth Advisory have?","answer":"McCay Wealth Advisory has 876 clients and manages $495 million for them, as of February 2026. They include 528 individual clients, 331 high-net-worth individuals, and 9 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 26 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does McCay Wealth Advisory offer?","answer":"McCay Wealth Advisory provides financial planning, portfolio management for individuals and small businesses, and educational seminars.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does McCay Wealth Advisory charge?","answer":"McCay Wealth Advisory charges 1.00%–1.40% a year for its Asset Management. The fee is billed in advance and is negotiable.","source":"FORM ADV PART 2A, filed 26 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does McCay Wealth Advisory use?","answer":"McCay Wealth Advisory’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $460M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 26 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does McCay Wealth Advisory have?","answer":"McCay Wealth Advisory has 5 investment adviser representatives registered with state securities authorities, out of 10 employees, and 5 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 employees are 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 McCay Wealth Advisory invest in?","answer":"At the end of its last fiscal year, McCay Wealth Advisory’s separately managed accounts held 92% registered funds (mutual funds, ETFs, BDCs), 5% exchange-traded equities, 1% investment grade corporate bonds, 1% cash and equivalents and 1% other. The 1% other category is described as: Variable Annuities.","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 McCay Wealth Advisory?","answer":"McCay Wealth Advisory’s direct owner is Brent McCay (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 26 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does McCay Wealth Advisory get paid?","answer":"McCay Wealth Advisory is paid through a percentage of assets under management, hourly charges and fixed fees. 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":"How do I contact McCay Wealth Advisory?","answer":"McCay Wealth Advisory’s main office is at 624 N Woodland Street, Manchester, TN 37355. Its phone number is 931-728-2130. Its website is mccaywealth.com.","source":"Form ADV Part 1A, Item 1.F, filed 26 February 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. 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."}