McNamara Financial Services, Inc.

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Client assets under management

$792,787,985

Clients

928

32% high-net worth

Advisors

of 11 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

232

Very High

Average account size

$854,297

About

McNamara Financial Services provides discretionary and non-discretionary investment management, financial planning, and retirement-plan advisory services to individuals, high‑net‑worth clients, trusts, endowments, businesses and other entities. The firm constructs diversified portfolios primarily using low‑cost mutual funds and ETFs, and may also incorporate individual stocks, bonds, REITs or private fund placements and offers reporting on outside accounts via limited power of attorney arrangements.

The firm’s investment process emphasizes Modern Portfolio Theory and strategic asset allocation with a tactical component, with a long‑term orientation and periodic rebalancing tailored to each client’s goals and risk tolerance. It uses institutional custody and third‑party technology and reporting tools to support portfolio monitoring and client reporting and to facilitate operational scale.

McNamara manages roughly $798 million for about 928 clients with a four‑advisor team, which results in a client‑per‑advisor load that is uncommon among similar team firms and suggests reliance on standardized processes and technology to serve a larger client base. The firm also maintains a history of public outreach — including regularly produced radio programs and seminars — an atypical ongoing communication and education channel relative to many peers.

Client services

Financial planning Portfolio management

Expertise

Wealth management Real estate investing Private / alternative investments

Fee options

Fixed

Reporting services fee of $45 per account annually, billed quarterly; fixed fees possible for retirement plan advisory services

Percentage

$0 - $250,000: 1.05% $250,001 - $1,000,000: 0.90% to 0.70% $1,000,001+: 0.35%

Project-based

Financial planning services at $500 per hour

Other

Account minimum: $500,000 Minimum fee: Minimum financial planning fee of $2,500 based on minimum 5 hours at $500/hour Fee-only: Investment advisory fees ranging from 0.25% to 1.05% on assets under management, financial planning hourly fees, fixed fees for retirement plan advisory services

Main office location

McNamara Financial Services, Inc.

1020 Plain Street, Suite 200

Marshfield MA 02050, United States

Number of offices

Most active in

Arizona · California · Connecticut · Florida · Maine · Massachusetts · New Hampshire · New York · North Carolina · Pennsylvania · Rhode Island · South Carolina · Texas

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook Website 781-834-2010

Advisors at this firm

Justin M

CFP®, Series 63

Marshfield, MA

McNamara Financial Services, Inc.

Justin McNamara is a CFP® with 20 years of industry experience and has been with McNamara Financial Services, Inc. since 2010. He holds the Series 63 designation and serves as Vice President and owner of the firm. McNamara Financial Services, Inc. is a four-advisor team based in Chelmsford, MA, providing investment advisory and financial planning to individuals, high-net-worth clients, trusts, businesses, and retirement plans. The firm employs a Modern Portfolio Theory-based investment approach with strategic asset allocation and tactical adjustments, offering services that include portfolio management, financial planning, and retirement-plan consulting.

Wealth management Real estate investing Private / alternative investments

Michael M

CFP®, Series 63

Marshfield, MA

McNamara Financial Services, Inc.

Michael McNamara is a CFP® with 43 years of industry experience and has served as president and owner of McNamara Financial Services, Inc. since 2010. The firm operates as a four-advisor team based in Marshfield, MA. He is also a trustee for family-related trusts. McNamara Financial Services provides investment advisory and financial planning to individuals, high-net-worth clients, trusts, businesses, retirement plans, and other legal entities. The firm’s investment approach is based on Modern Portfolio Theory and strategic asset allocation with tactical adjustments, utilizing low-cost mutual funds, ETFs, and other investment vehicles.

Wealth management Real estate investing Private / alternative investments

Alyssa R

CFP®, Series 63, Series 65

Marshfield, MA

McNamara Financial Services, Inc.

Alyssa Reed is a CFP® professional with 19 years of industry experience, currently serving as an advisor at McNamara Financial Services, Inc. since 2010. She holds Series 63 and Series 65 licenses and works within a four-advisor team based in Marshfield, MA. McNamara Financial Services provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, businesses, retirement plans, and other legal entities. The firm employs a Modern Portfolio Theory-based investment approach, combining strategic asset allocation with tactical adjustments, and manages approximately $680 million for about 919 clients.

Wealth management Real estate investing Private / alternative investments

Erik S

CFP®, Series 63

Marshfield, MA

McNamara Financial Services, Inc.

Erik Saarinen is a CFP® with 11 years of industry experience, currently serving at McNamara Financial Services, Inc. He previously worked at Eaton Vance Distributors, Inc. and Columbia Management Investment Distributors, Inc. McNamara Financial Services provides investment advisory and financial planning to individuals, high-net-worth clients, trusts, businesses, and retirement plans. The firm’s investment approach combines Modern Portfolio Theory with strategic asset allocation and tactical adjustments, utilizing low-cost mutual funds, ETFs, and other securities to meet client objectives.

Wealth management Real estate investing Private / alternative investments

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