Description of Services and Fees Wealth Advisors, LLC d/b/a McCarthy Wealth & Tax Advisors is a registered investment adviser based in Springboro, Ohio. We are organized as a limited liability company, under the laws of the State of Ohio. We have been providing investment advisory services since 2005. Jeremiah F. McCarthy is our principal owner.
The following paragraphs describe our services and fees. Please refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to your individual needs. As used in this brochure, the words "we", "our" and "us" refer to McCarthy Wealth & Tax Advisors and the words "you", "your" and "client" refer to you as either a client or prospective client of our firm. Also, you may see the term Associated Person throughout this brochure. As used in this brochure, our Associated Persons are our firm's officers, employees, and all individuals providing investment advice on behalf of our firm.
Asset Allocation Services Through our custodian National Financial Services, an affiliate of Fidelity, we use Fidelity Managed Account Xchange (FMAX) to provide discretionary asset allocation services tailored to meet your financial needs and investment objectives, These services will include a review of your existing portfolio with asset allocation recommendations, evaluation/consultation on various investment strategies, periodic summaries of financial situation, research, and monitoring of certain investments within your portfolio, and on-going portfolio management services, among others.
You will be required you to grant our firm discretionary authority to manage your account. Discretionary authorization will allow us to determine the specific securities, and the amount of securities, to be purchased or sold for your account without your approval prior to each transaction and the reallocation of assets amount investment managers. Discretionary authority is typically granted by the investment advisory agreement you sign with our firm. We use the FMAX platform to choose various investments and/or investment managers that will use one or more of their model portfolios

to manage your account. We will regularly monitor the performance of your accounts managed by investment managers(s) and may hire and fire any investment manager without your prior approval. In providing account management services, we do not accept client restrictions on the specific securities or the types of securities that may be held in your account. IRA Rollover Recommendations For purposes of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02") where applicable, we are providing the following acknowledgment to you. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule's provisions, we must:
•Meet a professional standard of care when making investment recommendations (give prudent advice);
•Never put our financial interests ahead of yours when making recommendations (give loyal advice);
•Avoid misleading statements about conflicts of interest, fees, and investments; 4
•Follow policies and procedures designed to ensure that we give advice that is in your best interest;
•Charge no more than is reasonable for our services; and
•Give you basic information about conflicts of interest. We benefit financially from the rollover of your assets from a retirement account to an account that we manage or provide investment advice, because the assets increase our assets under management and, in turn, our advisory fees. As a fiduciary, we only recommend a rollover when we believe it is in your best interest.
Types of Investments We offer advice on a wide range of investments, Assets Under Management As of March 17, 2024, we provide continuous management services for $133,226,460 in client assets on a discretionary basis.