Michael McCarthy, CFP®, ChFC® is an accomplished Edward Jones financial advisor serving the St Johns area with advanced expertise in comprehensive financial planning and specialized life circumstances. His dual credentials as both a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) demonstrate his extensive knowledge and commitment to providing professional guidance across all areas of financial planning.

As a CFP® and ChFC® professional, Michael specializes in retirement income strategies that help clients transition successfully from accumulation to distribution phases of their financial lives. He develops comprehensive withdrawal strategies that balance current income needs with long-term capital preservation, ensuring that retirement savings last throughout clients' lifetimes. His expertise includes Social Security optimization, pension maximization techniques, tax-efficient withdrawal sequencing, and coordination of multiple retirement income sources.

Michael's portfolio review services provide clients with detailed analyses of their investment holdings to ensure optimal performance and alignment with their financial goals. These comprehensive reviews examine asset allocation, diversification, fee structures, risk levels, and tax efficiency to identify opportunities for improvement. Michael's analytical approach helps clients understand their investment strategy and make informed decisions about portfolio adjustments when market conditions or personal circumstances change.

One of Michael's specialized areas is divorce finances, where he provides crucial guidance to individuals navigating the financial complexities of divorce proceedings. He helps clients understand the financial implications of property division, alimony considerations, retirement account splitting, and post-divorce financial planning. Michael's expertise in this area includes analyzing settlement proposals, understanding tax implications, and developing financial strategies for rebuilding after divorce.

Michael's comprehensive financial planning services address all aspects of his clients' financial lives, including investment planning, tax strategies, insurance planning, and estate planning coordination. He works with clients to develop written financial plans that provide clear roadmaps for achieving their financial objectives, whether they're dealing with career transitions, family changes, or approaching major life milestones.

Estate planning coordination is an important component of Michael's practice, where he works with clients and their estate planning professionals to ensure that financial strategies align with estate planning objectives. His knowledge of wealth transfer techniques, trust strategies, and beneficiary planning allows him to provide guidance that helps clients achieve their legacy goals while optimizing tax efficiency.

Located in St Johns, Michael's office serves clients throughout St Johns County and the greater Northeast Florida region. His understanding of complex financial situations and life transitions makes him particularly valuable for clients facing challenging financial decisions or major life changes that require specialized expertise and compassionate guidance.