John N. Carmody D.D.S. CFP, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm is a small, fee-only independent advisory practice that provides personalized financial planning and investment management to individuals as well as pension and profit‑sharing plans. Services include comprehensive financial planning (cash flow, tax, retirement and education planning), ongoing asset management, and limited-scope hourly engagements.
Its investment approach emphasizes strategic asset allocation using a core‑and‑satellite framework, with passively managed index funds and ETFs as the core and selectively added active funds where opportunities exist; portfolios are globally diversified and implemented mainly through no‑load mutual funds, ETFs, and discount brokers. The firm typically manages assets on a discretionary basis under a limited power of attorney only after client discussions and documents objectives in written investment policy statements, with quarterly reviews and performance reporting.
Noteworthy distinctions include the provision of pension and profit‑sharing plan consulting, a service that is uncommon among similar solo independent advisers, and a very small client base—about 20 clients with roughly $28.9 million in assets under management—which may reflect more individualized engagement. The firm operates strictly on a fee-only basis (no commissions or product sales) and leaves custody and proxy voting to clients, while using custodial relationships and occasional custodial credits to support its operations.
Client services
Expertise
Fee options
Financial plans billed 50% in advance with balance due upon delivery
$150/hour for financial planning and limited scope engagements
Fee-only: Financial planning and limited scope engagements at $150/hour
Main office
Seattle WA
Advisors at this office
1
Most active in
Washington
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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