McCarley & Cook Financial Planners

McCarley & Cook provides financial planning and discretionary investment management to individuals, families, and small businesses, delivering both ongoing wealth management engagements and stand‑alone financial planning. The firm manages client assets through accounts held at independent custodians and does not accept physical custody of client funds.

The firm’s investment approach departs from typical model portfolios by applying a modified liability‑driven investing (LDI) framework: a dedicated portfolio for income (cash‑matching individual bonds or CDs held to maturity) designed to cover projected “lifestyle gaps,” alongside a dedicated growth portfolio of low‑cost institutional funds. For clients still in accumulation, McCarley & Cook also uses Modern Portfolio Theory and diversified equity allocations, reflecting the firm’s view of market efficiency.

Noteworthy for a two‑advisor firm, McCarley & Cook manages roughly $169 million in discretionary assets internally after discontinuing the use of an unaffiliated independent manager, and its team includes professionals holding CFP and CFA credentials. The firm participates in Schwab Advisor Services for custody and execution, and is deemed to have constructive custody only in limited circumstances (e.g., fee debits or standing letters of authorization).