2. | introduction
We understand that money is not the most important
thing in life, but we believe that effectively managing
your total financial situation will help you take better
care of the things that are.
3. We help you take great care of your money by assisting in managing your total financial
situation. This allows you to take the best possible care of what’s most important in
recognition & accomplishments |
life – you, your family, and the causes you care about.
At McKinley Carter Wealth Services, understanding what is important to you allows us to
design and implement comprehensive wealth management strategies tailored specifically
to your situation. Through analysis, education, and guidance, we are able to serve as your
advocate and apply the rigorous fiduciary standards of care needed to protect your
recognition & accomplishments
McKinley Carter is in the top 10% of all independent registered investment advisors
in the country, according to industry data collected by Moss Adams, and has been
• Wealth Manager Magazine: “Top Wealth Managers”
• Medical Economics Magazine: “150 Best Financial Advisors for Doctors”
• Investment News: “Top 50 fee-only emerging registered investment advisors”
• Pittsburgh Magazine: “Best Wealth Managers in the Pittsburgh Area”
• Financial Advisor Magazine: One of the nation’s “Leading RIA Firms”
• Inc. Magazine: One of the “Fastest Growing Private Companies in America”
• Financial Advisor Magazine: One of the nation’s “Fastest Growing Firms”
Further information as to how these rankings were determined can be found on page 11.
4. McKinley Carter designs and implements
| comprehensive financial strategies
comprehensive financial strategies customized
to advance your personal goals and ambitions.
McKinley Carter’s staff not only has the financial expertise to provide specialized services
directly to you, but can also coordinate the actions of the other people involved in taking
care of your total financial situation.
Our clients require educated, experienced, and highly credentialed staff to handle
4 their financial needs. Our team includes individuals with some of the most respected
designations and credentials in the industry as well as experience in all major
Our team’s financial services credentials include:
• Certified Financial Planner
• Chartered Financial Analyst
• Chartered Retirement Planning Counselor
• Certified Mortgage Planning Specialist
• Certified Public Accountant
• Juris Doctor
Our team’s financial sector experience includes:
• Business leadership
• Finance and accounting
• Financial planning and education
• Investment management
• Mortgage banking
• Retirement plan design and administration
• Trust administration
5. comprehensive financial strategies |
McKinley Carter helps individuals and their families take
great care of their finances – as well as the businesses,
organizations, and communities they care deeply about.
6. | wealth management services
wealth management services
6 At McKinley Carter, wealth management means helping you make sure that you are doing
all you can to manage your financial life in a way that advances your personal goals and
ambitions. This requires the expertise to listen, learn, coordinate, and inspire the actions
needed to build the strongest possible financial future for you, your family, and the causes
you care deeply about.
Our first priority is to ensure that all of your investments, whether managed by McKinley
Carter or not, are part of a comprehensive investment strategy that complements the
other aspects of your financial life. Designed to minimize volatility while producing the
growth needed to achieve your personal goals, our strategic approach to investments
is grounded in rigorous, periodic assessments. These assessments explore your entire
financial situation and employ the sophisticated, yet flexible, investment tactics needed
to advance both your short and long-term objectives.
At McKinley Carter, we help clients assess how much of their lifestyle they may maintain
at different points in the future from their savings alone. These periodic assessments
help you understand what you need to do to be “on track” for a secure retirement, and
enable you to make informed and confident decisions about the various life choices that
can significantly impact your financial future.
7. wealth management services |
eSTATe PLAnnInG & TRuST SeRvICeS
One of the reasons our clients are compelled to build and protect their wealth is to
help future generations realize their personal aspirations. We help clients specify their 7
intergenerational goals and coordinate the people needed to handle complex estate-
related matters. We also facilitate communications between and within families in order
to prudently manage family assets in a manner that strengthens family harmony over
BAnKInG & DeBT SeRvICeS
McKinley Carter advisors can help secure the banking services you need, whether
this involves borrowing money, accessing cash when you need it, or handling
administrative matters such as paying bills and preparing tax returns.
For clients who already have loans, we evaluate ways to reduce interest and
administrative costs, while helping determine what costs and benefits can be
realized by pre-payment.
Most people need to consider the potential adverse impact of death, disability, liability,
and taxes on their accumulated financial holdings. Whether insuring against lost income
or long-term care expenses, facilitating smooth business transitions, avoiding paying
unnecessary taxes, or reducing the risk of property and casualty losses, we can help you
design the strategies to manage risk in today’s increasingly complex and litigious world.
8. | wealth management services
CAReeR & BuSIneSS COnSuLTInG
The most important asset for many of our clients is their career, which often involves
owning a business. McKinley Carter can help you assess which aspects of your career
or business may benefit from more attention, and evaluate how market forces might
impact your ability to make money in the future. Also, we help evaluate how best
to invest your time, energy, and resources to balance work and personal priorities.
We also help business owners design and administer employee benefit plans
to reduce taxes and help their employees save for retirement.
9. institutional investment & consulting services |
We provide institutional investment and consulting services
to small businesses, endowments, and non-profits to help
them design more effective retirement plans and manage
their strategic financial concerns.
institutional investment &
ReTIReMenT PLAn SeRvICeS
We provide a dedicated team and a comprehensive range of services to meet your
business’ retirement plan needs. We know plan design, vendor selection, and investment
monitoring can be confusing. Some plans might appear to be inexpensive on the surface,
but closer examination can reveal complicated and sometimes misleading fee structures
that may not be in your best interest.
The experienced retirement plan team at McKinley Carter brings value through objective
advice, and seeks the lowest total plan costs possible. We can help you identify your
fiduciary responsibilities, analyze and reduce plan expenses, and optimize investment
options for your employees. Together, we will build a qualified fiduciary advisor relationship
that develops management training and provides employee education tools for
administering the plans provided by your organization.
As an employer, you often struggle to find talented individuals. Once you’ve built your
workforce, retaining employees is paramount to your continued success, and offering
financial education can be a valuable benefit.
Many employees expect personal financial guidance from their employers as they
receive their plan information. We know navigating the potential investment options
can be confusing, and our workplace education team can help by designing and
delivering a relevant program to ensure investment objectives are met.
10. | institutional investment & consulting services
InSTITuTIOnAL InveSTMenT MAnAGeMenT
By developing and customizing a clearly defined program, we can assist your finance
committee or trustees in fulfilling their fiduciary responsibilities.
Our approach involves a straightforward, four-step process:
1. Identify your organization’s investment goals
2. Develop a comprehensive asset allocation strategy
3. Recommend appropriate investment managers
4. Monitor, evaluate, and report your portfolio’s overall performance
Most importantly, we provide an unbiased approach that may not be available through
a direct relationship with any single money manager, bank, or trust department, helping
your organization sustain its mission and ensure financial independence.
11. We believe that conducting our business with the highest ethical standards – honesty,
integrity, and professionalism – is the foundation for lifelong relationships with our clients.
independent, proactive, objective |
We accomplish these standards by being:
independent: As an independent advisor, we have the autonomy to help you find the
best possible financial services and products to care for your wealth.
proactive: Our reviews and continuous communication are focused on helping you
and others take the actions needed to protect and enhance your financial well-being.
objective: Our fees are fully disclosed and discussed in advance. Legally obligated
to put your interests first, we are not biased by commissions or other transaction-based 11
forms of compensation.
Wealth Manager Magazine: Rankings based on growth in company. Must not charge commissions, or have registered
2008, average three-year growth, AuM per staff, and AuM representative employees at the firm.
Pittsburgh Magazine: Listings based on survey responses
Medical Economics Magazine: Ratings based on research ranking wealth managers for customer service, integrity,
by Medical economics Magazine. The criteria used include: knowledge/expertise, communication, value for fee charged,
knowledge and experience, geographic location, fee meeting of financial objectives, post-sale-service, quality
arrangements, minimum portfolio requirements, and federal of recommendations and overall satisfaction. each wealth
disciplinary history. The rating does not necessarily reflect manager was reviewed for disciplinary reports. The resulting
any individual client’s actual experience. list represents those wealth managers in the Pittsburgh
area that scored highest in client satisfaction.
Investment News: Rankings based on between $100 and
$500 million in discretionary AuM, greater than 30% growth Financial Advisor Magazine: Rankings based on discretionary
in discretionary AuM, greater than 50% of their business and nondiscretionary AuM reported on form ADv.
must serve the retail marketplace. Must provide financial
planning services, portfolio management for individuals, Inc. Magazine: Rankings based on four full calendar
and conduct due diligence on third party advisers. Must not years of sales, being u.S.-based, privately held, for
be doing business as a broker/dealer, bank or insurance profit, and independent.
12. toll free 866.306.2400
McKinley Carter is an SeC-registered investment advisor. For information
pertaining to McKinley Carter’s fees and services, please contact McKinley
Carter for a copy of our disclosure statement as set forth on our Form ADv.
For information pertaining to our registration status, refer to the
Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov).