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Alexey BulankovCFP®, EA, ChFC

I have over 15 years investment experience and top industry credentials.

Redwood Shores, CA
Financial Advisor, Director of Business Development, McCarthy Asset Management, Inc.
Fee Structures: Asset-based, Fee-only, Hourly
Typical minimum client assets: $500k

This describes how advisors are compensated for their work. Learn more in our Guide to Advisor Compensation
Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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  • 2 people found this answer helpful

    What level of oversight should I have on my investments, if they are in a retirement account and/or managed by a professional?

    Personal Finance, Investing

    The level of oversight should be commensurate with your comfort level.  If you feel

    more »

    The level of oversight should be commensurate with your comfort level.  If you feel compelled to check your managed investments more often than monthly or quarterly how comfortable are you with the investment professional to whom you delegated your accounts?  That said, whatever frequency you select, it should be consistent. Neglect is not a good investment strategy. Checking your accounts regularly helps keep you focused on the desired long-term outcome, your progress towards it and keeps the relationship with your advisor vibrant. 

    Was this answer helpful?

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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    • 204 views
  • 2 people found this answer helpful

    What is the benefit of working with a financial advisor?

    Personal Finance

    The internet has made information readily accessible. Your advisor is no longer “an insider” privy

    more »

    The internet has made information readily accessible. Your advisor is no longer “an insider” privy to any “hot tips” or ideas which are not already public.

    However the sheer amount information is hard to digest and sort. Advisor’s experience and knowledge of your background should serve as a filter, separating noise from signal and distilling only the timeliest information which is useful and relevant to you personally.

    You should work with advisor for the same reason you buy your coffee at a coffee shop, instead f growing, harvesting and roasting the coffee beans yourself. Your time is valuable and is better spent doing your work or with your family, letting a specialist do his job ( a concept economists call a “comparative advantage”). As long as advisors’ fee do not exceed the value he or she consistently provides, paying them to handle your affairs competently should not be a hard decision.


     

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    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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    • 382 views
  • 2 people found this answer helpful

    Will rolling over my 401k into an IRA result in higher investment returns?

    Retirement Savings, Investing, Retirement, 401(k), Traditional IRA, Roth IRA

    Not any more than moving your wallet from you left pocket to your right pocket will increase the amount

    more »

    Not any more than moving your wallet from you left pocket to your right pocket will increase the amount of money in it.

    However,  having access to more investment instruments, professional advice, and paying closer attention to what is going on inside that account all have a good chance of improving your returns.

    In my professional experience, rolling 401(k) funds into an IRA and integrating it into the overall plan benefits most investors over the long haul.


    Was this answer helpful?

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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    • 1523 views
  • 1 person found this answer helpful

    What are the benefits of having professional financial advice?

    Personal Finance

    The critical difference lies in the distinction of information vs. advice. In the information age the information is

    more »

    The critical difference lies in the distinction of information vs. advice. In the information age the information is readily available from multiple sources. A financial advisor's job is to distill the wealth of information through the filter of his or her experience to present you with advice that is actionable, relevant, saves you time and makes you money in the long haul. 

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    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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    • 1102 views
  • 1 person found this answer helpful

    How should I think about hiring a financial advisor?

    Personal Finance

    Selecting a financial advisor is not unlike selecting any other professional that you trust: a doctor,

    more »

    Selecting a financial advisor is not unlike selecting any other professional that you trust: a doctor, an attorney, an accountant or a tailor. Make sure that the advisor has the expertise in the area of finance for which you are hiring him (her). Money is a very personal and emotional subject, so make sure you are comfortable with the advisor and speak the same language. This should be a person with whom you should be comfortable. Time is of the utmost importance- your communication with the advisor as well as his(her) process should be efficient and communicated timely and clearly. Always understand what you pay for and why.


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    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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    • 310 views
  • 1 person found this answer helpful

    What's the difference between passive v. active investing? How do I decide which one is right for me?

    Investing, Mutual Funds

    The debate of "active vs. passive" is ongoing and is as old as an investment profession itself, with

    more »

    The debate of "active vs. passive" is ongoing and is as old as an investment profession itself, with some powerful academic backing on both sides. What it really comes down to is one thing: average.


    With a passive investment strategy you are almost assured to get the consistent average return (positive or negative).  In choosing between active vs. passive management, the investor should ask two questions of themselves: 

    • Do you believe that the expertise of an investment manager can get you a return better than average? 
    • Are you willing to fall below average if you are wrong? 

    If your  answer to either of those is a " no" ,  you are best served by "passive" or "index" investing. 

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    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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    • 353 views
  • 1 person found this answer helpful

    How do I gauge my risk appetite in my investment planning?

    Investing

    Most of us invest because we have to, not because we want to. While many enjoy watching the working

    more »

    Most of us invest because we have to, not because we want to. While many enjoy watching the working of capital markets, to most investing is  a mean to an end, not an end itself. The selection of right risk level comes down to two questions: 

     • How much risk must I take? (i.e. what rate of return do i need to generate to get my goals, and what is the risk of investing that way?)

     • How much risk can I take? (personal risk tolerance is as individual as pain tolerance and some people are naturally more resistant than others. Selecting too high of a risk tolerance can result in making a wrong decision when markets get extreme) 

    Your actual risk level should lie comfortably in-between those two thresholds. 


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    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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    • 189 views
  • 0 people found this answer helpful

    How do I know what is the right time for me and my husband to take social security retirement benefits?

    Retirement Savings, Social Security, Retirement

    If you need the money to meet your living expenses, the answer is “as soon as you’re eligible”

    more »

    If you need the money to meet your living expenses, the answer is “as soon as you’re eligible” .

    If you can afford to wait, the amount of your future benefit increases between 4.5% and 8% for each year you delay until age 70. Compare this to simply putting this money in a bank.

    You can use this handy calculator to determine specific number.  In addition there are a number of strategies, which allow you maximize your benefit, but which of the strategies to use depends in large on your individual circumstance.


    Was this answer helpful?

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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    • 192 views
  • 0 people found this answer helpful

    How can I tell if my financial advisor is working in my best interest?

    Personal Finance

    Financial Advisory is one of those rare fields where you should always ask the question " How do you

    more »

    Financial Advisory is one of those rare fields where you should always ask the question " How do you get paid?" 
    br>

    Who pays your advisor?

    p> If your advisor gets money from management of the company ( in form of salary,  bonuses or stock options) or from investment companies (in form of commissions, loads or perks), he might have an incentive other than growth of your account.


    Who else does your adviser answer to?  

    p>If he is working for a public company, there are shareholders who expect to see higher price of stock and higher earning price, so your advisory may have a incentive  to grow revenues at a faster pace ( collect more fees from you) to meet sales goals and management expectations. 

    Ideally, your adviser should be fee-only, where the only money he gets is the money you pay him based on asset level or hourly fee.  There are honest trustworthy advisers working throughout the industry, but some compensation arrangements ( such as fee only) remove most of conflict of interest and make it easier for an adviser to stay objective and impartial. 

    br>

    br>

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    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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    • 342 views
  • 0 people found this answer helpful

    Should I accept the Schwab financial consultant I've been offered?

    Personal Finance, Investing

    The answer really depends on the complexity of your needs and what you expect from your advisor.  The

    more »

    The answer really depends on the complexity of your needs and what you expect from your advisor.  The  firm has been pretty open about how they pay their people. Here is a link . If you are worried about what intecentive the adviser has to sell products to you, I recommend you read this. 

    Was this answer helpful?

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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About

McCarthy Asset Management, Inc. is a CPA-based wealth management boutique. We offer our clients Investment Management, Financial Planning and Tax Advisory Services. While our services are best suited for clients with $500,000 plus in investable assets, we may be willing to waive this minimum for the right type of relationship.

Details

Contact Info
View contact info »
Email
alexey@mamportfolios.com
Phone
650-610-9542
Web
I am available for web conferencing
Address
Three Lagoon Drive, Suite 155
Redwood ShoresCA 94065
Firm Website
Focus Areas
Personal Finance, Investing, Taxes
Client Specializations
Engineers/scientists, People near retirement, Sudden wealth
Education
BA, Economics, International Relations, San Francisco State University

Chartered Financial Consultant, Chartered Life Underwriter , The American College

AAMS, Accredited Asset Management Specialist, College for Financial Planning
Registrations
Individual CRD #4061360
Regulatory Records
Please visit FINRA's website to review Alexey's records
State Licenses
CA Insurance License #0D16362
While designations are not everything when selecting a financial advisor, they often indicate a certain level of knowledge related to a specific field and/or commitment to certain ethical and professional standards. Please see our detailed Guide to Financial Advisor Designations for more information.
Designations
CFP®, EA, AAMS, ChFC, CLU

*Financial Advisor Disclaimer: We try to keep information accurate and up to date, however we cannot make warranties regarding the accuracy of our information.

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