McCarthy & Cox Retirement & Estate Specialists

The firm restricts its advisory work to retirement income and estate transfer coordination. This means it handles IRA distribution sequencing, trust funding instructions, and spousal beneficiary elections rather than cash-flow budgeting or college savings plans. The narrow scope allows deeper technical engagement on required minimum distributions, tax-efficient withdrawal ordering, and portability elections, which generalist firms often outsource to external specialists.

The firm reviews existing estate documents to confirm that beneficiary designations, trust titles, and account registrations align with the client's stated intentions. McCarthy & Cox flags inconsistencies — such as a 401(k) naming a former spouse or a trust that was never funded — and works with the drafting attorney to resolve them. The firm does not draft legal documents itself but serves as the implementation arm for the estate plan.