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Cheryl Mccarthy

Gradient Investments, LLC
23 Years of Experience
New Port Richey, FL
1 DisclosureSells Insurance
View SEC Summary
View SEC Summary

Cheryl Mccarthy is a registered investment advisor at Gradient Investments, LLC, based in New Port Richey, FL, with 23 years of industry experience. Cheryl operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Investment Management, Retirement Planning. Their firm serves 26,806 clients with $8.8B in assets under management.

Gradient Investments, LLC
Compensation
Fee-Only (% of Portfolio)Fixed/Hourly
Firm Size
29 advisors
Number of Clients
26,806 clients
Average Client Portfolio
$330K average
Assets Under Management
$8.8B

Fee Structure

Minimum Investment:$500
Investment management only (planning not offered)
Portfolio-Based Fees (Flat)
Portfolio ValueAnnual Fee
Any2.15%

Fees vary by portfolio strategy, ranging from 1.00% for Preservation up to 2.15% for Custom Indexing - Strategic. Fees are negotiable based on the overall relationship.

Fee Estimator
Your Portfolio Value
$500K
$0$500K$1M$5M$20M
Estimated Annual Fee
—
View Full SEC Brochure

Location

2144 Seven Springs Blvd., New Port Richey, FL, 34655

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History

Regulatory History (1)
What are disclosures? Advisors must report customer complaints, regulatory actions, and certain legal or financial events to the SEC. Not all disclosures are serious—many are settled disputes or minor violations. Learn how to evaluate them.
Regulatory
December 2016
Final
View Full SEC ReportHow to Read Disclosures
Other Business ActivitiesSells Insurance

Cheryl operates as a sole proprietor under the name Common Cents Tax and Financial Services, offering fixed insurance and physical gold & silver sales, and CommonCents Tax and Accounting Services, Inc, providing accounting and tax services. She also works as a sub-contractor providing legal services. The insurance and gold/silver sales take a few hours per week, while the other businesses take about a third of her time.

Employment History
Current Registrations
Gradient Investments, LLC
October 2024 - Present · 2 yrs
Commoncents Wealth Advisors, LLC
January 2014 - Present · 12 yrs 9 mos
Previous Registrations
Gradient Securities, LLCBroker
August 2013 - December 2018 · 5 yrs 4 mos
Ssn Advisory, INC.
March 2011 - August 2013 · 2 yrs 5 mos
Securities Service Network, INC.Broker
January 2011 - August 2013 · 2 yrs 7 mos
Asset & Financial Planning, LTD
January 2007 - January 2011 · 4 yrs
Prime Capital Services, INC.Broker
January 2007 - January 2011 · 4 yrs
Ing Financial Partners, INC
May 2006 - February 2007 · 9 mos
Ing Financial Partners, INC.Broker
February 2004 - February 2007 · 3 yrs
Gunnallen Financial, INCBroker
October 2002 - May 2003 · 7 mos
1st Discount Brokerage, INC.Broker
July 2002 - September 2002 · 2 mos
American General Financial Advisors, INC.Broker
May 2001 - June 2001 · 1 mo
The Variable Annuity Marketing CompanyBroker
May 2001 - June 2001 · 1 mo
State Registrations4 states
FLNCTNTX
Advisor

You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.

Exams
No exam information available for this advisor.
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