{"url":"https://nivawealth.com/firms/mcgrath-and-associates-121197","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/121197","regulatoryAum":155898135,"crd":"121197","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5431998","suffix":null,"lastName":"BASCHNAGEL","firstName":"ROBERT","middleName":"EDWARD"},{"crd":"4486875","suffix":null,"lastName":"MCGRATH","firstName":"SUSAN","middleName":"LEE"}],"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":"2022-04-25","regulatoryAum":116533595,"clients":279,"employees":3,"offices":1},{"filedOn":"2023-08-09","regulatoryAum":105488546,"clients":279,"employees":3,"offices":1},{"filedOn":"2024-03-08","regulatoryAum":115984784,"clients":684,"employees":3,"offices":1},{"filedOn":"2025-02-20","regulatoryAum":121069669,"clients":258,"employees":3,"offices":1},{"filedOn":"2026-04-02","regulatoryAum":155898135,"clients":268,"employees":3,"offices":1}],"secFileNumber":"801-125021","legalName":"McGrath & Associates, Inc.","displayName":"McGrath & Associates","slug":"mcgrath-and-associates-121197","website":"https://holmcg.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"North Carolina corporation","fiscalYearEnd":"December","headquarters":{"street":"12a Bay Street","city":"Asheville","state":"NC","stateName":"North Carolina","country":"United States","postalCode":"28801"},"tradeNames":["McGrath & Associates, Inc., D/B/A Holcombe & McGrath"],"registration":{"secApproved":"13 May 2022","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":581709.4589552239,"staff":{"employees":3,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":155898135,"discretionary":155898135,"discretionaryAccounts":701,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":18},"clientTypes":[{"label":"Individuals (other than HNW)","clients":225,"regulatoryAum":67511795},{"label":"High-net-worth individuals","clients":43,"regulatoryAum":88386340}],"feePrograms":[{"role":"main","program":"Portfolio Management Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011476","versionId":1011476,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-02-24","documentName":"MCGRATH & ASSOCIATES DBA HOLCOMBE & MCGRATH FORM ADV PART 2A","fee_rate_low":1,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Advisory Services","summary":"Hourly financial advisory work is billed at a negotiable rate of up to $280 an hour in 15-minute increments; engagements over 8 hours get a good-faith estimate of total hours.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011476","versionId":1011476,"submittedOn":"2026-02-24","documentName":"MCGRATH & ASSOCIATES DBA HOLCOMBE & MCGRATH FORM ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T12:34:27.514173+00:00","documents":[{"name":"MCGRATH & ASSOCIATES DBA HOLCOMBE & MCGRATH FORM ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011476","versionId":1011476,"submittedOn":"2026-02-24"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":155898135}],"custodyNote":"McGrath & Associates has custody of $79.2M in client assets for 95 clients.","otherCustodians":[],"leadership":[{"name":"Robert Baschnagel","title":"Financial Advisor and Vice President","crd":"5431998"},{"name":"Susan McGrath","title":"President/ Chief Compliance Officer","crd":"4486875"}],"ownership":[{"label":"Susan McGrath","detail":"President/ chief compliance officer in the 75% or more ownership band and a control person, since April 2002."},{"label":"Robert Baschnagel","detail":"Financial advisor and vice president in the 10% to 25% ownership band and a control person, since August 2023."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"North Carolina","offices":1,"addresses":[{"street":"12a Bay Street","city":"Asheville","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"828-252-8228","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":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":6},{"label":"Securities issued by registered investment companies or business development companies","percent":92},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"2 April 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/121197/PDF/121197.pdf","brochureDate":"24 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011476","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 McGrath & Associates have?","answer":"McGrath & Associates has 268 clients and manages $156 million for them, as of April 2026. They include 225 individual clients and 43 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 2 April 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does McGrath & Associates offer?","answer":"McGrath & Associates provides financial planning and portfolio management for individuals and small businesses.","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 McGrath & Associates charge?","answer":"McGrath & Associates charges 1.00% a year for its Portfolio Management Services. The fee is billed in arrears and is negotiable.","source":"MCGRATH & ASSOCIATES DBA HOLCOMBE & MCGRATH FORM ADV PART 2A, filed 24 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does McGrath & Associates use?","answer":"McGrath & Associates’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $156M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 2 April 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does McGrath & Associates have?","answer":"McGrath & Associates has 2 investment adviser representatives registered with state securities authorities, out of 3 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 McGrath & Associates invest in?","answer":"At the end of its last fiscal year, McGrath & Associates’ separately managed accounts held 92% registered funds (mutual funds, ETFs, BDCs), 6% exchange-traded equities and 2% 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 McGrath & Associates?","answer":"McGrath & Associates’ direct owners are Susan McGrath (75% or more) and Robert Baschnagel (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 2 April 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does McGrath & Associates get paid?","answer":"McGrath & Associates 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":"How do I contact McGrath & Associates?","answer":"McGrath & Associates’ main office is at 12a Bay Street, Asheville, NC 28801. Its phone number is 828-252-8228. Its website is holmcg.com.","source":"Form ADV Part 1A, Item 1.F, filed 2 April 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/mcgrath-and-associates-121197/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-14","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/2054701/000208585326000724/0002085853-26-000724-index.html","totalValue":76762818,"positionCount":32,"top10Share":0.7472221642514478,"top10":[{"issuer":"PIMCO ETF TR","titleOfClass":"ACTIVE BD ETF","cusip":"72201R775","value":16229281,"shares":176003,"shareType":"SH","priorValue":14735948,"priorShares":159687},{"issuer":"WISDOMTREE TR","titleOfClass":"EFFICIENT GLD PL","cusip":"97717Y568","value":8073065,"shares":132140,"shareType":"SH","priorValue":7655970,"priorShares":121717},{"issuer":"TIDAL TRUST II","titleOfClass":"RETU S YIEL ETF","cusip":"88636J345","value":7585941,"shares":297185,"shareType":"SH","priorValue":6317495,"priorShares":284018},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US COR EQU 2 ETF","cusip":"25434V708","value":6344510,"shares":143023,"shareType":"SH"},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"WORLD EX US CORE","cusip":"25434V880","value":4788029,"shares":129968,"shareType":"SH"},{"issuer":"TIDAL TRUST II","titleOfClass":"RETURN STCKD US","cusip":"88636J816","value":4242428,"shares":129778,"shareType":"SH","priorValue":3544207,"priorShares":125326},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US DIVIDEND EQ","cusip":"808524797","value":3469191,"shares":109404,"shareType":"SH","priorValue":3364883,"priorShares":109677},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"EMERGING MKTS VA","cusip":"25434V740","value":2428887,"shares":56926,"shareType":"SH","priorValue":1991118,"priorShares":55649},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"FUNDAMENTAL US S","cusip":"808524763","value":2220084,"shares":58331,"shareType":"SH","priorValue":1979952,"priorShares":61053},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"FUNDAMENTAL INTL","cusip":"808524755","value":1977463,"shares":37480,"shareType":"SH","priorValue":1853282,"priorShares":37876}],"positionsListed":32,"positions":[{"issuer":"PIMCO ETF TR","titleOfClass":"ACTIVE BD ETF","cusip":"72201R775","value":16229281,"shares":176003,"shareType":"SH","priorValue":14735948,"priorShares":159687},{"issuer":"WISDOMTREE TR","titleOfClass":"EFFICIENT GLD PL","cusip":"97717Y568","value":8073065,"shares":132140,"shareType":"SH","priorValue":7655970,"priorShares":121717},{"issuer":"TIDAL TRUST II","titleOfClass":"RETU S YIEL ETF","cusip":"88636J345","value":7585941,"shares":297185,"shareType":"SH","priorValue":6317495,"priorShares":284018},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US COR EQU 2 ETF","cusip":"25434V708","value":6344510,"shares":143023,"shareType":"SH"},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"WORLD EX US CORE","cusip":"25434V880","value":4788029,"shares":129968,"shareType":"SH"},{"issuer":"TIDAL TRUST II","titleOfClass":"RETURN STCKD US","cusip":"88636J816","value":4242428,"shares":129778,"shareType":"SH","priorValue":3544207,"priorShares":125326},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US DIVIDEND EQ","cusip":"808524797","value":3469191,"shares":109404,"shareType":"SH","priorValue":3364883,"priorShares":109677},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"EMERGING MKTS VA","cusip":"25434V740","value":2428887,"shares":56926,"shareType":"SH","priorValue":1991118,"priorShares":55649},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"FUNDAMENTAL US S","cusip":"808524763","value":2220084,"shares":58331,"shareType":"SH","priorValue":1979952,"priorShares":61053},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"FUNDAMENTAL INTL","cusip":"808524755","value":1977463,"shares":37480,"shareType":"SH","priorValue":1853282,"priorShares":37876},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"FUNDAMENTAL INTL","cusip":"808524748","value":1967146,"shares":40510,"shareType":"SH","priorValue":1948906,"priorShares":42039},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INTL CORE EQUITY","cusip":"25434V799","value":1763516,"shares":47330,"shareType":"SH","priorValue":1741653,"priorShares":83653},{"issuer":"CAMBRIA ETF TR","titleOfClass":"GLOBAL VALUE ETF","cusip":"132061409","value":1562867,"shares":43389,"shareType":"SH","priorValue":1399260,"priorShares":42185},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"FUNDAMENTAL US L","cusip":"808524771","value":1511936,"shares":48615,"shareType":"SH","priorValue":1548340,"priorShares":55610},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US TARGETED VLU","cusip":"25434V609","value":1490751,"shares":21327,"shareType":"SH","priorValue":1184658,"priorShares":18970},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INTL SMALL CAP V","cusip":"25434V781","value":1486841,"shares":37051,"shareType":"SH","priorValue":1384691,"priorShares":35109},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INTERNATNAL VAL","cusip":"25434V807","value":1441880,"shares":26692,"shareType":"SH","priorValue":1242892,"priorShares":23549},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"FUND EM EQUI ETF","cusip":"808524730","value":1333837,"shares":33615,"shareType":"SH","priorValue":1386642,"priorShares":36243},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US LARG VALU ETF","cusip":"25434V666","value":808971,"shares":20460,"shareType":"SH","priorValue":3011258,"priorShares":51589},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US MKTWIDE VALUE","cusip":"25434V724","value":725476,"shares":13188,"shareType":"SH","priorValue":604782,"priorShares":12480},{"issuer":"VANGUARD BD INDEX FDS","titleOfClass":"TOTAL BND MRKT","cusip":"921937835","value":683330,"shares":9308,"shareType":"SH","priorValue":856135,"priorShares":11626},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US SUSTAINABILTY","cusip":"25434V716","value":642790,"shares":13785,"shareType":"SH","priorValue":565169,"priorShares":13754},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INTERNATIONAL","cusip":"25434V690","value":600734,"shares":13320,"shareType":"SH","priorValue":485063,"priorShares":11440},{"issuer":"VANGUARD STAR FDS","titleOfClass":"VG TL INTL STK F","cusip":"921909768","value":581017,"shares":6796,"shareType":"SH","priorValue":512528,"priorShares":6685},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"EMERGING MKTS CO","cusip":"25434V732","value":448235,"shares":11029,"shareType":"SH","priorValue":393016,"priorShares":11375},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"TOTAL STK MKT","cusip":"922908769","value":410976,"shares":1111,"shareType":"SH","priorValue":358041,"priorShares":1116},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"EMERGING MRKTETS","cusip":"25434V534","value":383788,"shares":4646,"shareType":"SH"},{"issuer":"ISHARES TR","titleOfClass":"EXPND TEC SC ETF","cusip":"464287549","value":369742,"shares":2260,"shareType":"SH","priorValue":267870,"priorShares":2260},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"GLOBAL REAL EST","cusip":"25434V658","value":364435,"shares":12580,"shareType":"SH","priorValue":367552,"priorShares":13828},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"EMER MARK SU ETF","cusip":"25434V682","value":322805,"shares":6604,"shareType":"SH","priorValue":249292,"priorShares":6487},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL A","cusip":"02079K305","value":274103,"shares":767,"shareType":"SH","priorValue":220559,"priorShares":767},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US SMALL CAP ETF","cusip":"25434V500","value":228763,"shares":2778,"shareType":"SH"}]},"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."}