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Mcfarland Associates

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Client assets under management

$82,241,799

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Clients

44

41% high-net worth

Advisors

2

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

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Clients per advisor

22

Low

Average account size

$1,869,132

About

McFarland Associates provides comprehensive financial and estate planning and investment advisory services to individuals (including high‑net‑worth clients), as well as trusts, estates, corporations, and retirement plans. Typical services include goal and cash‑flow analysis, tax and estate‑structure planning, insurance and retirement plan assistance, and implementation support through consultations and written plans.

The firm follows a Modern Portfolio Theory framework implemented mainly through broadly diversified mutual fund allocations and ongoing planning, and it offers both full‑service and hourly planning engagements. McFarland generally operates on a non‑discretionary basis—clients approve allocation changes and trades—and can supervise third‑party investment managers under separate agreements when clients prefer delegated day‑to‑day management.

Noteworthy for its peer group, McFarland manages the large majority of its assets on a non‑discretionary basis (roughly $83 million reported in non‑discretionary AUM), which differs from the more common discretionary models among similar firms. The firm also oversees third‑party advisory relationships (including use of an independent administrator), does not participate in wrap programs, and does not accept performance‑based fees.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

General estate planning guidance Retirement income strategy Long-term care insurance Annuities Tax strategies for small businesses

Occupation focus

Founder/Business Owner Retired

Fee options

Percentage

$0+: Higher of 1.00% of annual cash flow or 0.10% (one tenth of 1%) of client’s assets for financial planning service fees $0+: If placing, reviewing, tracking investments not recommended by McFarland: initial fee is greater of 0.5% of investment value or $600 per investment; ongoing fee is greater of 0.5% of investment value or $400 per investment, billed quarterly in arrears $0+: Supervision fee for third-party investment advisor (Focus Partners): up to 1.5% annually of client assets under management, paid quarterly in advance (in addition to McFarland’s financial planning fees) $0+: Administrative and reporting fees to Focus Partners up to 0.6% annually of client assets under management, paid quarterly in advance

Project-based

Advisor: $600/hour; Analyst: $300/hour; Administrative: $150/hour

Other

Minimum fee: Minimum initial financial plan preparation fee of $5,000; Minimum ongoing quarterly fee of $625 for ongoing Comprehensive Financial Planning Service Fee-only: Fees charged as described above; no commissions received

Main office location

Mcfarland Associates

80 Garden Court, Suite 230

Monterey CA 93940, United States

Number of offices

1

Most active in

More info

California

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Website (831) 761-8231

Advisors at this firm

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user avatar

Aaron S

CFP®, Series 63, Series 65

Monterey, CA

Mcfarland Associates

Aaron Schwartz is a CFP® with 16 years of industry experience and is currently with McFarland Associates in Monterey, CA. He previously worked at NPB Financial Group, LLC from 2009 to 2017 before continuing his career at McFarland Associates. Outside of his advisory role, Schwartz is a certified flight instructor and pilot. McFarland Associates provides comprehensive financial and estate planning and investment advisory services to individuals, trusts, estates, corporations, and retirement plans. The firm follows a Modern Portfolio Theory framework, primarily using broadly diversified mutual fund allocations, and generally operates on a non-discretionary basis with client approval for allocation changes and trades.

General estate planning guidance Retirement income strategy Long-term care insurance Annuities Tax strategies for small businesses Founder/Business Owner Retired
user avatar

Ann A

CFP®, Series 63

Wyomissing, PA

Mcfarland Associates

Ann Ainsworth is a CFP® with 34 years of industry experience, currently serving at McFarland Associates. She has been with the firm, operating under Landsworth Corporation, since 1981. McFarland Associates provides comprehensive financial and estate planning and investment advisory services to individuals, including high-net-worth clients, as well as trusts, estates, corporations, and retirement plans. The firm follows a Modern Portfolio Theory framework with broadly diversified mutual fund allocations and typically operates on a non-discretionary basis, while also offering supervision of third-party investment managers.

General estate planning guidance Retirement income strategy Long-term care insurance Annuities Tax strategies for small businesses Founder/Business Owner Retired
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