John N. Carmody D.D.S. CFP, Inc.

The firm provides personalized, fee-only financial planning and discretionary investment management to individual investors and to pension and profit‑sharing plans. Advice commonly covers cash flow, tax and retirement planning as well as investment selection, and the firm does not accept commissions or sell financial products.

Portfolios are managed with a strategic asset‑allocation, core‑and‑satellite approach that favors passively managed index funds and ETFs as core holdings while adding active funds selectively; trades are executed under a limited power of attorney while custodianship remains with the client. The firm offers both ongoing advisory relationships and stand‑alone planning engagements, with periodic account reviews and written reports.

What distinguishes the firm from many solo independent advisers is its active work with pension and profit‑sharing plans—a service that is relatively uncommon for firms of this size—and its small, focused client base (roughly $31.2 million in assets for 23 clients as of December 2024). The firm is structured as a long‑standing, single‑owner practice with a background outside traditional finance (a prior dental practice), and it maintains practices such as not voting client proxies by default and operating under a documented information‑security and business‑continuity program.