# MCS Family Wealth Advisors

MCS Family Wealth Advisors is a Bank / Wealth / Trust based in Bend, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Bend, United States
- **Region:** North America
- **Address:** 750 NW Charbonneau St. Suite 201, Bend, OR 97703, United States
- **Founded:** 1991
- **Assets under management:** Undisclosed
- **Website:** mcsfa.com
- **LinkedIn:** https://www.linkedin.com/company/mcs-financial-advisors

## Regulatory record

- **CRD number:** 106327
- **SEC file number:** 801-36692
- **Registration status:** APPROVED
- **Latest Form ADV filing:** 2026-02-06T06:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/106327

## About

Stalker established MCS Family Wealth Advisors in 1991, building the Oregon-based firm around a fee-only fiduciary model that explicitly bans commissions and referral fees. The firm's Form ADV outlines a transparent, tiered fee schedule starting at $19,000 on the first $2 million of advised assets and declining to a negotiable rate on balances above $10 million, a structure that aligns the firm's compensation directly with client interests rather than product distribution. The practice serves high-net-worth clients from offices in Bend and Eugene. MCS operates primarily as an investment adviser and financial planning provider, with stated capabilities in asset management, retirement planning, and multi-generational wealth counseling. The firm's published commentary emphasizes understanding each client's 'levers of wealth creation' and calibrating portfolio construction around personal special requirements — dependable cash flow is cited as a common constraint. The geographic footprint is anchored in the Pacific Northwest, though the firm notes it serves clients across the United States. Michael Stalker leads a team that the firm describes as possessing more than 55 years of collective experience. Beyond its Bend headquarters, MCS maintains a second office in Eugene, Oregon. The first quarter of 2026 saw the firm publish its regular quarterly newsletter and market commentary, a consistent operational rhythm that reflects an ongoing investment-communication calendar. MCS's structural distinction lies in its strict adherence to the fee-only RIA model at a sub-national scale — a fiduciary posture codified in a client-facing oath and its SEC registration — operating outside the bank-owned or brokerage-integrated wealth channels that dominate the high-net-worth market. This boutique independence, combined with an explicit promise to disclose and minimize conflicts of interest, positions the firm as a low-intermediary option for families prioritizing compensation alignment.

## Sectors

- Wealth Management
- Financial Planning
- Retirement Planning

## Offices

- 79 Centennial Loop, Eugene, OR 97401, United States

## People

- Michael Stalker — Founder and Principal

## Questions

### How is MCS Family Wealth Advisors compensated, and does it accept commissions?

MCS operates on a fee-only basis and explicitly pledges never to accept commissions or referral fees. Its published tiered fee schedule charges 1.00% on the first $2 million of advised assets, declining to negotiable rates for balances exceeding $10 million, with additional hourly planning fees ranging from $250 to $400. This originates from the firm's own Form ADV disclosures and public website statements.

### Who makes investment decisions at MCS Family Wealth Advisors?

Founder and principal Michael Stalker leads the firm, supported by a team that collectively holds more than 55 years of industry experience according to the firm's website. No additional named investment-committee members or CIOs are publicly identified beyond Stalker.

### What is the minimum engagement size for a new MCS client?

The firm's public fee schedule sets a minimum financial planning engagement of $5,000 for new clients. For ongoing asset management, the standard fee tier starts at $19,000 on the first $2 million of advised assets, implying a minimum portfolio size around $1.9 million to $2 million for the advertised rate schedule.

### What is MCS Family Wealth Advisors' approach to portfolio risk management?

The firm advocates portfolio stress testing as a core process, analyzing the behavioral characteristics of investments against a client's personal situation — including income source and special requirements such as dependable cash flow. This approach, described as 'both a science and an art,' was outlined by Michael Stalker in a 1996 commentary and remains a visible theme in the firm's current website content.

## Related profiles

- [McRock Capital](https://altss.com/profile/mcrock-capital)
- [McShane Partners](https://altss.com/profile/mcshane-partners)

---

Last updated: 2026-08-11T02:43:31.692Z

Canonical page: https://altss.com/profile/mcs-family-wealth-advisors

Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology