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McCarthy Asset Management, Inc., A Registered Investment Advisory Boutique Three Lagoon Drive Suite 155 Redwood Shores, CA 94065 (650) 610-9540 http://www.mamportfolios.com steve@mamportfolios.com Registered Investment Advisor is person or business regulated by the SEC that provides investing advice or counsel to an investor. All investment advisers managing over $25 million must register with the SEC the actions of all registered investment advisers are governed by the Investment Advisors Act of 1940. Registration does not imply a certain level of skill or training.

Investment Advisory Financial Planning Income Tax Services*

*Income tax services are provided through the separate, but affiliated firm Stephen P. McCarthy, CPA


The

Advantage

As an Independent Investment Advisor (RIA) McCarthy Asset Management, Inc. provides clients with a number of important benefits: Independence ndependence- Since we’re not part of a brokerage firm with no in-house products or services to sell, we are able to provide our clients with objective guidance on which investments best meet their needs. Our Interests are Closely Aligned with Your Interests - We are a “fee only” advisor, rather than one that charges commission. Furthermore, our compensation is based on a percentage of assets under management, so our success is linked directly to that of our clients.

Experience and QualificationsQualifications- The professionals at MAM bring valuable expertise to every client relationship, backed by industry credentials. Every member of our investment team is a CFP® Certificant.

AccountabilityAccountability As a RIA we are registered with the SEC and regulated by the Investment Advisers Act of 1940 and thus have a fiduciary duty to act in the best interests of our client. MAM is also proud to be a Member of National Alliance of Objective Financial Advisors (NAOFA) (http://www.objectivefinancialadvisors.com/).


History Since 1999, McCarthy Asset Management, Inc., and its predecessor firm McCarthy Asset Management, have been providing individuals and families with the level of financial expertise and service which makes us a valued and trusted partner.

Steve McCarthy began his tax practice in 1986. He built the business beginning with ten clients the first year to a peak of over 550 clients in 1999. During the years of building the practice, Steve discovered that the best way to ensure business growth was to provide excellent service to existing clients. Satisfied clients frequently referred new clients to the business. Steve's professional passion has always been investments. As Steve entered the business, he chose the fee-only model, using Charles Schwab as the custodian of his clients' assets. Despite launching McCarthy Asset Management during a difficult investment environment (the bear market started in March of 2000), McCarthy Asset Management, Inc. has been successful in attracting a significant number of assets. Steve attributes part of the initial success to the fact that his long-time tax clients were aware of Steve's investment knowledge and skills through a tax and financial planning newsletter that he had written for many years.


People The Professionals at McCarthy Asset Management, Inc. bring valuable expertise to client relationships, backed by industry credentials. Steve McCarthy, CPA, CFP® - Founder Steve McCarthy graduated from U.C. Davis with a B.S. in Agricultural Economics. He obtained his CPA license by working for Main Hurdman (which later merged with Peat Marwick). After obtaining an MBA from U.C. Berkeley, Steve began his tax practice in 1986. He then obtained a Masters in Taxation from Golden Gate University to broaden his tax knowledge. Steve’s professional passion has always been financial planning and investments. To provide financial planning services to his tax clients, Steve became a certified financial planner (CFP) ®. Steve enjoys working out and spending time with his wife, Joanie, and two sons, Kevin & Ryan.

Alexey Bulankov, CFP®, ChFC®, CLU®, EA Financial Planner, Director of Business Development Alexey joined McCarthy Asset Management, Inc after he spent over a decade at major brokerage powerhouses including Merrill Lynch, Citigroup and Charles Schwab, where he provided financial advice and guidance to his clients. Alexey holds a BA degree in Economics from San Francisco State University, Chartered Financial Consultant and Chartered Life Underwriter designations from The American College, Accredited Asset Management Specialist designation from the College for Financial Planning and a CERTIFIED FINANCIAL PLANNER™ certification, awarded by the CFP Board. In addition he holds series 7 and 66 securities licenses from FINRA, a life insurance license, is enrolled to practice before the IRS and is currently a level II candidate in the CFA program. In his little spare time Alexey enjoys reading, honing his professional skills, boxing, swimming and spending time with his family and friends.

Anthony Bertolacci- Director of Compliance, Tax Preparer Anthony received his Bachelor of Science degree in Business with a concentration in Accounting from San Jose State University. He also holds a California Real Estate License. Anthony has been working with Steve McCarthy for 20+ years assisting him in his CPA practice as a tax accountant. In late 2010 Anthony added Director of Compliance as his new role with McCarthy Asset Management, Inc. Anthony enjoys exercising and coaching his kids sports teams. Anthony has been coaching in the San Carlos Pony League (13 &14 year old boys) for the past 8 years. One of his passions includes all types of cooking. Anthony enjoyed watching the San Francisco Giants win the 2010 World Series with his wife, Laura, and three kids; Anthony, Olivia, and Isabella. Marilyn Blancarte, Executive Assistant Marilyn received an Associate in Arts degree from the College of San Mateo. She has more then 12 years experience in the financial industry which includes an Executive Assistant position held at The Portola Group Inc., a private investment advisory firm managing close to $1 billion in assets. Prior to working for The Portola Group, she began her financial industry career working for Smith Barney as the Assistant to the Operations Manager. Marilyn joined the MAM team in 2005 as the Executive Assistant to Steve McCarthy. She enjoys helping clients with any administrative needs they may have, as well as assisting Steve with numerous projects and daily tasks. She has established professional relationships with several clients throughout the years. She is always ready and able to assist you with any concerns or questions you may have. In her spare time she enjoys yoga, the outdoors and more than anything spending time with her beloved Chihuahua.


Services At McCarthy Asset Management, Inc. we believe that your financial picture is an interrelated dynamic system with multiple moving parts. We use our expertise to help you fine-tune it.

Investment Management

Financial Planning

Tax Advisory*

*Tax advisory services are provided through the separate, but affiliated firm Stephen P. McCarthy, CPA


Services At McCarthy Asset Management, Inc. our Core Services Include:

Investment Advisory

We use no-load, institutional and advisor class mutual funds as well as exchange traded funds (ETFs) to build and manage portfolios tailored to our clients’ specific situations.

Financial Planning

Comprehensive and Point-of Interest Financial Planning Net-Worth Analysis Retirement Analysis

Income Tax Services

Clients have the option of utilizing the income tax services provided through the firm Stephen P. McCarthy, CPA. Since 1986, Stephen P. McCarthy, CPA has been providing tax planning and tax preparation to individuals and businesses. These services are offered at an hourly rate.

We use our expertise and a network of professionals to advise our clients on other matters including long-term care planning, charitable giving, education funding, estate planning, caring for dependents, and other issues. MAM understands the complex relationship between financial planning for your family and your business. We can help you with both.


Portfolio MAM’s investment philosophy centers on no-load mutual funds and exchanged traded funds as the most efficient and cost-effective vehicle for implementing asset allocation and diversification strategies while providing a solid platform for investment growth.

Sample Portfolio

Diversification is important for achieving consistent good investment performance. Portfolios are diversified among large capitalization, mid-cap, and small-cap U.S. stocks, bonds (high quality, high yield and international), alternative assets, and foreign equities. In addition, equity investments are allocated between growth and value fund managers.

All information on this page is For Illustrative Purposes Only and does not constitute investment advice. Investors’ actual portfolios may vary, based on objectives, risk tolerance, personal circumstance and other factors.


Process Diversification: A typical MAM portfolio is comprised of 20-25 funds providing more diversification than a similar portfolio of individual stocks ( see the chart to the right). Choice of Investments: By investing through a Registered Investment Advisor like MAM, you will have access to some funds that are closed to new investors and institutional–class shares. Furthermore, since MAM is a fee-only advisor, working with our Institutional partners, certain mutual funds that normally can be purchased only by paying a sales load are available without sales loads to MAM clients. Investment Selection: We carefully select investments to add to your portfolio based on many factors, including risk metrics, operating expenses, ranking relative to peers, manager experience and tenure and consistency of returns.

Diversification Through Time: In addition to broad diversification among asset classes, sectors and investment styles, we employ a dollar-cost averaging technique, allowing us to gradually invest the portfolio. Objective Advice: Because we derive no additional compensation by selecting one investment over another and do not collect any fees from third parties, we are able remain unbiased and objective in selecting investments for our clients' portfolios. For more information please refer to our form ADV Part 2. There are fees associated with investing in mutual funds. Past performance is not a guarantee or an indication of future results. All information on this page is For Illustrative Purposes Only and is not intended to be investment advice. Investors’ actual portfolios may vary, based on objectives, risk tolerance and personal circumstance.


Performance While we acknowledge that Performance is an integral part of selecting a money-manager, we believe that a focus on a disciplined process will yield a better result than chasing past performance.

While we measure our performance against the S&P 500, it should be noted that MAM portfolios are generally more diversified amongst various assets and historically less volatile than the S&P 500 index.

Above performance figures are a composite of all MAM accounts (excluding the “Very Conservative” portfolios which are comprised primarily of bond funds), are net of all fees, and with dividends and capital gains re-invested; reflect different client objectives, investment mixes and timing. For illustration purposes only. Past performance is not a guarantee or an indication of future results. Investing in financial instruments bears a risk of loss of principal. See additional disclosures at the end of this presentation For a full discussion of our firm’s services and fees, you may obtain a copy of our firm’s Disclosure Brochure (Form ADV Part 2) by contacting our office at (650) 610-9540


Performance At McCarthy Asset Management, Inc. we believe in “diversification through time”, and “timein the market” rather than “timing the market”. While the timing of your investment may affect the returns in the short run, we believe that a disciplined approach will prevail in the long run.

Above performance figures are a composite of all MAM accounts (excluding the “Very Conservative” portfolios which are comprised primarily of bond funds), are net of all fees, and with dividends and capital gains re-invested; reflect different client objectives, investment mixes and timing. For illustration purposes only. Past performance is not a guarantee or an indication of future results. Investing in financial instruments bears a risk of loss of principal. See Additional disclosures at the end of this presentation For a full discussion of our firm’s services and fees, you may obtain a copy of our firm’s Disclosure Brochure (Form ADV Part 2) by contacting our office at (650) 610-9540


Roadmap

Your

At McCarthy Asset Management, Inc. we take a structured and disciplined approach to managing your investments.

•Monthly Newsletter •Quarterly Performance Reports •Semi- Annual Rebalancing •Ongoing Guidance •Financial Planning

Our Meeting Today

You Sign The Paperwork

Risk Assessment Questionnaire

Agree on a Proposed Portfolio

Implement

Rebalance


Fees Our compensation is based on a percentage of assets under management, so our success is linked directly to that of our clients.

First and foremost, MAM only receives fees as a percentage of assets under management (1% or less on an annual basis). Hidden fees or commissions do not cloud MAM’s investment philosophy. There are no inherent conflicts between what is in the client’s best interest and less attractive investments that pay high commissions. In addition, there are no incentives to constantly buy and sell within a client’s portfolio. For a full discussion of our firm’s services and fees, you may obtain a copy of our firm’s Disclosure Brochure (Form ADV Part 2) by contacting our office.

Schedule of Fees Effective Date: April 1, 2000 The fee for each calendar quarter shall be obtained by multiplying the market value of the assets of the Account as of the last day of the calendar quarter by one-fourth of the applicable annual fee rate(s) indicated below. For any calendar quarter in which Adviser manages the Account for less than a full calendar quarter, fees will be prorated for the percentage of the calendar quarter for which the Account is under management. Account Value Annual Fee On the first $500,000 1.00% On the next $2,000,000 0.75% On the next $2,000,000 0.50% On balances over $4,500,000 0.25%


Disclosures

All written content of this presentation is for informational purposes only and does not constitute a complete description of our investment services or performance. Materials presented in this presentation, or any referenced website, are believed to be from reliable sources and we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your investment advisor prior to implementation. Fee-only financial planning and investment advisory services are offered through McCarthy Asset Management, Inc., a Securities Exchange Commissionregistered investment advisor located in Redwood Shores, California. Nothing in this presentation should imply that past results are an indication of future performance. For a full discussion of our firm’s services and fees, you may obtain a copy of our firm’s Disclosure Brochure (Form ADV Part 2) by contacting our office at (650) 610-9540 ©2011 McCarthy Asset Management, Inc. All rights reserved.


Disclosures Registered Investment Advisor REFERS TO A person or business regulated by the SEC that provides investing advice or counsel to an investor. All investment advisers managing over $25 million must register with the SEC the actions of all registered investment advisers are governed by the Investment Advisors Act of 1940. Importantly, it is a criminal offense for investment advisers to provide false or misleading information, and to buy or sell his/her own securities to or from a client. Registration helps the SEC enforce these provisions. RIA registration does not imply a certain level of skill or training. Tax Advisory and Tax preparation Services are offered through a separate, but affiliated firm Stephen P McCarthy, CPA. Past Performance is not necessarily indicative of future results.. Therefore no current or prospective client should assume that future performance of any specific investment strategy, including the investments or the investment strategies recommended or undertaken by MAM, made reference to directly or indirectly by MAM on this presentation, MAM website or indirectly via a link to an affiliated third party website will be profitable or equal the corresponding indicated performance levels. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client's investment portfolio. Historical performance results for investment indexes and portfolio benchmarks generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an advisory management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. MAM Composite, shown on the performance page is the composite of all accounts, managed by MAM with the exclusion of “ Very Conservative” portfolios, which MAM introduced in April of 2009. These portfolios represent approximately 3% of MAM’s total assets under management. For a full discussion of our firm’s services and fees, you may obtain a copy of our firm’s Disclosure Brochure (Form ADV Part 2) by contacting our office at (650) 610-9540


Notes __________________________ __________________________ __________________________ __________________________ __________________________ __________________________ __________________________ __________________________ __________________________ __________________________ __________________________ __________________________ __________________________ __________________________


McCarthy Asset Management, Inc. Three Lagoon Drive, Suite 155 Redwood Shores, CA 94065 (650) 610 9540

http://www.mamportfolios.com

Investment Advisory Financial Planning Income Tax Services* *Income tax services are provided through the separate, but affiliated firm Stephen P. McCarthy, CPA Š 2011 McCarthy Asset Management, Inc., (8/25/2011)


MAM Presentation  

McCarthy Asset Management Presentation and firm Overview

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