Michael McCarthy
Financial Consulate · Hunt Valley, Maryland
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.
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Facts
| Firm | Financial Consulate |
|---|---|
| Based in | Hunt Valley, Maryland |
| Fee model (firm's Form ADV) | Percentage of assets · Hourly · Fixed fees |
| Assets under management | $1.10B across 3,375 accounts |
| Credentials | CFP · PFS |
| SEC registration | Investment adviser representative in FL, MD, PA, TX · CRD 5835406 |
| Firm size | 25 employees |
| Disclosures | None reported |
| Website | www.financialphysical.com |
How Michael's firm compares
- Financial Consulate's average account is about $325,000, from its Form ADV (assets managed divided by 3,375 accounts).
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Questions about Michael
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : 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 : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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