McGrath WealthCare, LLC

McGrath WealthCare advises individuals, including high‑net‑worth clients, providing ongoing portfolio management on a co‑advisory basis and creating individualized Investment Policy Statements; it generally implements portfolios using mutual funds and ETFs and directs clients to third‑party managers such as Matson Money, First Ascent, and Betterment. The firm charges percentage‑of‑AUM advisory fees collected in arrears, does not accept custody of client assets, and does not exercise investment discretion.

The firm’s investment process combines fundamental analysis and modern portfolio theory to build long‑term portfolios aligned with documented risk tolerance and time horizon, and client accounts are reviewed at least quarterly by the managing member. Implementation and reporting are handled through recommended custodians and third‑party platforms (including Charles Schwab and E‑Trade), with client statements provided by the custodians.

McGrath WealthCare discloses an affiliation with a law practice—its principal is an attorney who may offer legal advice to clients—which the brochure identifies as a separate business activity and a potential conflict the firm addresses in disclosures. The firm also reports an uncommon scale for its registration profile, with roughly 212 clients and $161 million in assets under advisement while operating via a co‑advisory model rather than managing client assets directly.