{"url":"https://nivawealth.com/firms/wealth-advisors-135875","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/135875","regulatoryAum":202041581,"crd":"135875","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5431809","suffix":null,"lastName":"GILBERT","firstName":"CHRISTIAN","middleName":"A."},{"crd":"7872020","suffix":null,"lastName":"MARRINAN","firstName":"JESSICA","middleName":"SARCYK"},{"crd":"4092080","suffix":null,"lastName":"MCCARTHY","firstName":"JEREMIAH","middleName":"FRANK"}],"total":3,"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":"2024-05-01","regulatoryAum":133226460,"clients":241,"employees":3,"offices":1},{"filedOn":"2025-02-10","regulatoryAum":152999341,"clients":275,"employees":4,"offices":1},{"filedOn":"2026-02-17","regulatoryAum":202041581,"clients":272,"employees":4,"offices":1}],"secFileNumber":"801-130395","legalName":"Wealth Advisors, LLC","displayName":"Wealth Advisors","slug":"wealth-advisors-135875","website":"https://mccarthywealth.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/mccarthy-wealth-and-tax-advisors/about/","founded":"2005","organization":"Ohio limited liability company","fiscalYearEnd":"December","headquarters":{"street":"115 South Main Street","city":"Springboro","state":"OH","stateName":"Ohio","country":"United States","postalCode":"45066"},"tradeNames":[],"registration":{"secApproved":"31 May 2024","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":742799.9301470588,"staff":{"employees":4,"advisory":3,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":202041581,"discretionary":202041581,"discretionaryAccounts":848,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":221,"regulatoryAum":68388370},{"label":"High-net-worth individuals","clients":51,"regulatoryAum":133653211}],"feePrograms":[{"role":"main","program":"Asset Allocation Services Fee","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009579","versionId":1009579,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-02-17","documentName":"WEALTH ADVISORS, LLC DBA MCCARTHY WEALTH & TAX ADVISORS ADV BROCHURE","fee_rate_low":0.5,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":"annual","fee_minimum_annual":6000}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T13:17:44.59765+00:00","documents":[{"name":"WEALTH ADVISORS, LLC DBA MCCARTHY WEALTH & TAX ADVISORS ADV BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009579","versionId":1009579,"submittedOn":"2026-02-17"}]},"custodians":[{"name":"National Financial Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":202041581}],"custodyNote":"Wealth Advisors has custody of $43M for 183 clients.","otherCustodians":[],"leadership":[{"name":"Jeremiah McCarthy","title":"President & Chief Compliance Officer","crd":"4092080"}],"ownership":[{"label":"Jeremiah McCarthy","detail":"President & chief compliance officer in the 75% or more ownership band and a control person, since June 2004."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Ohio","offices":1,"addresses":[{"street":"115 South Main Street","city":"Springboro","headquarters":true}]}],"brochureServices":["insurance"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"937-748-4765","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)"],"financialPlanningClients":null,"assetMix":[{"label":"Exchange-traded equity securities","percent":20},{"label":"Non-exchange-traded equity securities","percent":1},{"label":"U.S. state and local bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":77},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"17 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/135875/PDF/135875.pdf","brochureDate":"17 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009579","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 Wealth Advisors have?","answer":"Wealth Advisors has 272 clients and manages $202 million for them, as of February 2026. They include 221 individual clients and 51 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 17 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Wealth Advisors offer?","answer":"Wealth Advisors provides portfolio management for individuals and small businesses, selecting other managers, and insurance.","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 Wealth Advisors charge?","answer":"Wealth Advisors charges 0.50%–1.50% a year for its Asset Allocation Services Fee. The fee is billed in advance, is negotiable and has a $6,000 annual minimum.","source":"WEALTH ADVISORS, LLC DBA MCCARTHY WEALTH & TAX ADVISORS ADV BROCHURE, filed 17 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Wealth Advisors use?","answer":"Wealth Advisors’ separately managed account assets are held at National Financial Services LLC (Smithfield, RI), with $202M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 17 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Wealth Advisors have?","answer":"Wealth Advisors has 3 investment adviser representatives registered with state securities authorities, out of 4 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","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 Wealth Advisors invest in?","answer":"At the end of its last fiscal year, Wealth Advisors’ separately managed accounts held 77% registered funds (mutual funds, ETFs, BDCs), 20% exchange-traded equities, 1% non-exchange-traded equities, 1% state and local bonds 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 Wealth Advisors?","answer":"Wealth Advisors’ direct owner is Jeremiah McCarthy (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 17 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Wealth Advisors get paid?","answer":"Wealth Advisors is paid through a percentage of assets under management. 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 Wealth Advisors?","answer":"Wealth Advisors’ main office is at 115 South Main Street, Springboro, OH 45066. Its phone number is 937-748-4765. Its website is mccarthywealth.com.","source":"Form ADV Part 1A, Item 1.F, filed 17 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."}