Accurate Capital and Wealth

Mark McCaffrey, the founder and CEO, is the firm's primary investment decision-maker. As a certified public accountant, he combines investment management with direct tax oversight — a dual role that defines the firm's service model. His regulatory filings list him as the sole investment adviser representative.

Accurate Capital and Wealth operates on a fee-only basis, charging clients a percentage of assets under management rather than commissions on product sales. The firm is registered with the SEC as a fiduciary, meaning it is legally obligated to place client interests ahead of its own. Specific fee schedules are disclosed in the firm's Form ADV filings.

The firm constructs portfolios primarily using low-cost exchange-traded funds and mutual funds. It does not market in-house proprietary products or actively trade individual equities as a core strategy. This approach keeps underlying investment costs low and allows the firm to focus its advisory work on asset allocation and tax-efficient portfolio construction.

Because the founder is a CPA, tax planning is not outsourced to a separate accounting firm — it is embedded in the portfolio management process. Tactics include asset location across taxable and retirement accounts, direct indexing or tax-loss harvesting where appropriate, and withdrawal sequencing designed to minimize a client's lifetime tax liability.

The firm does not hold client assets directly. Based on its regulatory filings, a primary custody relationship exists with Charles Schwab, a common arrangement for independent RIAs of this size. Using an independent third-party custodian provides clients with an additional layer of account protection and transparency beyond the firm's own internal controls.