Ryan McCarthy, CPA, CFP®
Where Financial Planning, Investment Management, and Tax Expertise Come Together
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Serving Clients Nationwide
Where Financial Planning, Investment Management, and Tax Expertise Come Together
Areas of Focus
- Financial Life Planning
- High Net Worth
- Investment Management
- Retirement Planning
- Social Security Optimization
- Taxes
About Ryan McCarthy, CPA, CFP®
I help successful professionals, retirees, business owners, and families make smarter financial decisions through integrated financial planning, investment management, and tax expertise.As a CPA, CFP® professional, and Wealth Advisor with McCarthy Asset Management, I believe the best financial advice considers the entire picture. Investment decisions affect taxes. Tax decisions affect retirement. Retirement decisions affect long-term wealth and legacy goals. Too often, these areas are addressed separately, creating unnecessary complexity and missed opportunities. My goal is to help clients bring these pieces together into a coordinated strategy that supports the outcomes they want to achieve.
Before joining McCarthy Asset Management, I worked at PwC, one of the world's largest professional services firms, where I advised high-net-worth individuals and families on complex tax matters. That experience provided valuable insight into how thoughtful tax planning can improve long-term financial outcomes and reinforced my belief that wealth management should extend well beyond investment selection alone.
Today, I work closely with clients to develop personalized strategies for financial planning, investment management, retirement planning, tax planning, charitable giving, and wealth preservation. Whether someone is preparing for retirement, managing significant assets, navigating a major life transition, or seeking greater clarity around their financial future, I strive to provide practical advice, thoughtful guidance, and a steady hand through every stage of life.
As part of a family-owned advisory firm founded in 1999, I have the privilege of building on a long tradition of serving clients with independence, integrity, and a commitment to putting their interests first. Working alongside my father, who founded the firm more than 25 years ago, has reinforced the importance of long-term relationships, trust, and personalized advice. Many of our client relationships span decades and multiple generations, and I view it as a privilege to help families navigate some of their most important financial decisions.
My philosophy is simple: good financial decisions are rarely made in isolation.
The most successful outcomes often come from coordinating investments, taxes, retirement planning, and long-term goals within a comprehensive strategy. Rather than focusing on short-term market movements, I help clients stay disciplined, make informed decisions, and focus on the factors they can control. I believe financial planning should simplify complexity, reduce uncertainty, and give people greater confidence in their financial future.
The most rewarding part of my work is helping clients feel organized, informed, and empowered as they pursue the goals that matter most to them.
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
- Certified Public Accountant (CPA)
Primary Location
3 Lagoon Drive, Suite 155, Redwood Shores CA 94065
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Only
- Percentage of Assets Managed
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule an introductory conversation. We'll get to know each other and I'll listen to understand your unique circumstances so we can determine the best way to proceed. I look forward to speaking with you.Offers Investment Management
Yes
Offers Tax Preparation
Yes
About McCarthy Asset Management, Inc.
McCarthy Asset Management helps successful professionals, retirees, and business owners with $1 million or more in investable assets make smarter financial decisions through integrated financial planning, investment management, and tax guidance.Working with a financial advisor should be enjoyable, collaborative, and focused on helping you achieve what matters most. Since 1999, McCarthy Asset Management has helped clients navigate important financial decisions with confidence through personalized advice, long-term relationships, and a commitment to putting clients first.
We are an independent, fee-only fiduciary wealth management firm serving clients throughout the San Francisco Bay Area and across the country. Our clients are often seeking more than investment management alone—they want a trusted advisor who can help coordinate every aspect of their financial life.
What makes our firm different is our integrated approach to tax-aware wealth management. As CFP® professionals and CPAs, we believe your investments, taxes, retirement plans, and long-term financial goals should work together—not be managed in separate silos. By bringing these disciplines together, we help clients better understand their options, identify opportunities, and make informed decisions that can improve long-term outcomes.
Our clients rely on us for guidance in areas such as:
• Comprehensive financial planning
• Investment management
• Tax planning and tax preparation
• Retirement income planning
• Charitable giving strategies
• Estate planning coordination
• Business owner planning
• Major life and financial transitions
As an independent fiduciary firm, we are committed to always acting in our clients' best interests. We build diversified investment portfolios tailored to each client's goals, risk tolerance, time horizon, and cash flow needs. While markets inevitably experience periods of uncertainty, we help clients stay focused on the factors they can control and avoid emotional decisions that may undermine long-term success.
For more than 25 years, we have helped clients make informed financial decisions through changing markets, evolving tax laws, and important life transitions. Today, as a family-owned firm serving multiple generations of clients, we continue to build on that tradition by combining experienced guidance with a modern, comprehensive approach to wealth management.
Most importantly, we believe great financial advice is about more than investments. It's about building lasting relationships, understanding what matters most to you, and serving as a trusted partner throughout every stage of life.
If you're looking for a financial advisor who can help you coordinate your investments, taxes, and financial plan under one roof, we invite you to learn more about McCarthy Asset Management. Visit our website, schedule an introductory call, or contact us directly to discuss your goals and how we may be able to help.
We promise to be a partner you can trust for intelligent advice, exceptional service, and long-term value.
Education
University of Southern California, Bachelor of Business Administration (B.B.A.), Marshall School of Business and Leventhal School of Accounting
Hobbies and Interests
- Basketball
- Bowling
- Family
- Football
- Golf
- Soccer
- Sports
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Business Owners
- Corporate Executives
- Dual Income Family
- Entrepreneurs
- Families
- Gen X
- Intergenerational Families
- Living in Retirement
- Parents
- Technology Professionals
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