Timothy J. McDonald CPA CFP

Timothy J. McDonald, as the principal and holder of the Series 65 license, is responsible for investment decisions. In a practice of this size and structure, portfolio construction and manager selection would sit directly with him rather than with a separate investment committee or outsourced CIO.

The CPA license signals authority on tax matters, while the CFP designation covers estate planning, retirement, and insurance needs. Combined, they let McDonald deliver what is marketed as integrated planning — an offering that standalone financial advisors must subcontract to outside CPAs, and that pure accounting firms cannot legally deliver as fee-based advice without a Series 65 or equivalent.

The practice is structured as a multi-client RIA, not as a single-family office. There is no indication in the public record that McDonald manages capital for a single founding-family entity, and the CFP designation is typical of practitioners serving multiple households rather than a dedicated family-office mandate.

A verifiable Form ADV could not be located in the SEC's Investment Adviser Public Disclosure database under the name 'Timothy J. McDonald' at the time of this review. This may indicate operation under a different legal entity name, an exempt reporting structure, or state-level registration not easily surfaced through name search alone.

No published materials describe the firm's asset allocation models. Based on the CFP/Series 65 profile and the absence of alternative-asset marketing, the practice likely constructs portfolios from publicly traded ETFs, mutual funds, and individual securities using standard Modern Portfolio Theory frameworks, rather than private equity or hedge fund access.