# Michael McCarthy

> Michael McCarthy is a fee-only financial advisor at Financial Consulate in Hunt Valley, Maryland, who holds the CFP and PFS credentials. Financial Consulate reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/michael-mccarthy/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Financial Consulate
- **Based in:** Hunt Valley, Maryland
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $1.10B across 3,375 accounts
- **Credentials:** CFP, PFS
- **CRD:** 5835406 (https://adviserinfo.sec.gov/individual/summary/5835406)
- **SEC registration:** Investment adviser representative in FL, MD, PA, TX
- **Firm size:** 25 employees
- **Disclosures:** None reported
- **Website:** https://www.financialphysical.com

## Frequently asked questions

### Is Michael McCarthy a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Michael holds no broker registration, and Financial Consulate reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Michael charge for financial advice?

Michael's firm, Financial Consulate, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Michael McCarthy based?

Michael McCarthy is based in Hunt Valley, Maryland.

### What credentials does Michael McCarthy hold?

Michael McCarthy holds the CFP and PFS credentials.

### Is Michael McCarthy registered with the SEC?

Yes. Michael McCarthy is registered as an investment adviser representative in FL, MD, PA and TX (CRD 5835406), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Financial Consulate manage?

Financial Consulate reports $1.10B across 3,375 accounts in assets under management.

### How do I contact Michael McCarthy?

Through Michael's website, www.financialphysical.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5835406): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.