John McNertney, financial advisor San Francisco CA

John McNertney

CRD Number: 2289402
Current Firm: Polaris Wealth Advisory Group
Compensation Model: Fee Only

John McNertney, CFP®Director

 

John is a Director and a member of the Business Development Team with Polaris Greystone. John has extensive experience within the financial services industry, having worked at TD Ameritrade and Merrill Lynch prior to joining the Polaris Greystone team.  John meets directly with clients and prospective clients to communicate Polaris Greystone's investment strategies and review all financial planning needs.

 

John is a graduate of the University of Iowa, where he earned a BS degree with a major in psychology and minors in French and philosophy. He is also a Certified Financial Planner™ professional. John possesses an in-depth knowledge of the financial markets and prides himself on delivering a world-class experience to our clients.

 

When he is not helping clients, John is an avid family man, spending his free time with his wife and three children. He is a voracious reader and enjoys watching news programs and documentaries. 

 

Polaris Greystone Financial Group, LLC is an independently owned, Securities and Exchange Commission (SEC) Registered Investment Adviser.  We are a fee-only adviser and do not charge commissions for buying or selling stocks or bonds. Our services include: tactical portfolio management, private wealth management and financial planning… all provided with unparalleled individual attention focused on developing successful, long-term relationship.

CONTACT
Advisory Practice Details
Services Offered:
  • Tax planning
  • Charitable planning
  • Estate planning
  • Employer retirement plans
  • Social security and retirement income
  • Alternative investments (e.g., hedge funds, private equity)
  • Asset allocation (advice only, not execution)
  • Indexing / passive investing
  • Investment management
  • Security selection (advice only, not execution)
  • Socially responsible investing
  • Career change
  • College preparation
  • Divorce
  • Retirement planning
  • Sudden wealth
  • Concentrated / highly appreciated positions
  • Stock options / restricted stock
Customer Specialties:
  • Approaching retirement
  • Mid-career professionals
  • Retirees
  • Widow(er)s
  • Young professionals
Investment Strategy:

Polaris Greystone Financial Group, LLC is a top down, dynamic investment manager. In plain English this means that we begin our investment decisions by looking at the big picture. We look at world dynamics to see if there could be any impact to our markets. We then look to the United States, the health of our markets overall, which sectors of the market look the best, and finally which individual investments within each sector give us the best opportunity to grow your portfolio. If the broad-based markets look healthy, we will invest a higher percentage of your portfolio (based upon your risk tolerance) in stocks. If the health of the overall markets begins to deteriorate, we will begin lowering that percentage. As we get more confirmation that our research is correct, we move dynamically to take advantage of the circumstances (aggressively or defensively, depending on our readings).

 

Our Investment Philosophy is based upon four pillars of investing: technical analysis, macroeconomic conditions, fundamental research, and the sentiment of the market. We believe that each of these philosophies work well on their own, but when combined they provide us an advantage in understanding the overall health of the markets.

 

  • Technical Analysis – We use several hundred technical indicators to help us understand the broader market’s strength and momentum, and to further understand which segments of the market show the most promise of providing strong returns.

 

  • Macroeconomic Conditions – We use macroeconomic statistics to understand the overall economy and its effects on the capital markets.

 

  • Fundamental Research – We use fundamental research to analyze earnings potential and growth prospects of an investment and to further determine its intrinsic valuation.

 

  • Market Sentiment – We evaluate overall investor sentiment to gauge current opportunities or risks to the broad based markets.

One of the most important elements of investing is limiting losses. Even the very best investor may lose money due to an investment choice or a downturn in the overall market. Managing risk and controlling loss is what differentiates us from our peers and distinguishes us from the average investor.

Pricing Model:

Annual fees on total assets under management:

 

First $1 million:                   1.15%

$1 million - $2.5 million:      1.00%

$2.5 million to $5 million:      .90%

$5    million and greater:      .70%

Planning Process:

As your trusted Financial Adviser, our goal is to understand your entire financial circumstances. We have established a three-step process for investors interested in exploring the possibility of working with us.

 

  • Discovery Meeting

The Discovery Meeting is our “get to know you” meeting. We ask a series of questions in order to understand who you are, where you are, and where you’d like to be in the future. Our discussion touches on anything that impacts your financial life. This meeting sets the foundation for building an initial financial plan for you.

  • Investment Plan Meeting

We take the information that you’ve provided to us in the Discovery Meeting and create a customized financial plan. This is done free of cost or obligation of working with Polaris Greystone. The Investment Plan Meeting is where we present our findings. We will tell you what we feel you are doing correctly, and what could be improved upon. The plan clarifies the probabilities of accomplishing your financial goals.

  • Mutual Commitment Meeting

If you see value in the services we provide to our clients, you would move forward to formalize the relationship. This is done in our Mutual Commitment Meeting. We answer any remaining questions you might have about your financial plan, and sign paperwork to hire Polaris Greystone to assist you in accomplishing your long-term financial goals.

Professional Designations and Affiliations
Company Name Location Dates Years
Polaris Wealth Advisers, LLC San Francisco, CA Jun 2011 - Current 9
Polaris Greystone Financial Group, LLC San Rafael, CA Jun 2011 - Current 9
Polaris Equity Management, Inc. San Francisco, CA Aug 1998 - Current 22
Exam Code Name Passed Date
S63 Uniform Securities State Law Examination Jun 1994
S65 NASAA Investment Advisors Law Examination Jun 1994
Contact Info for John T. McNertney
Phone Number: 415-263-5600
Registered State(s):
  • CA
By the Numbers
  • Total Assets Under Management
    1,516
    MILLIONS
  • Total Number of Accounts
    3,157
    ACCOUNTS
  • Average Account Value
    $480,291
Types of Clients
Registered States
Advisors affiliated with a RIA are permitted to work with up to five clients in nearly-all states* without explicit registration. The map below shows states where this firm has explicit registration only.

AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY

Firm Disclaimer:

Services offered through Polaris Greystone Financial Group, LLC, a Registered Investment Adviser. This message and any attachments contain information which may be confidential and/or privileged and is intended for use only by the addressee(s) named on this transmission. If you are not the intended recipient, or the employee or agent responsible for delivering the message to the intended recipient, you are notified that any review, copying, distribution or use of this transmission is strictly prohibited. If you have received this transmission in error, please (i) notify the sender immediately by e-mail or by telephone and (ii) destroy all copies of this message. 

 

Please note that trading instructions through email, fax or voicemail will not be taken. Your identity and timely retrieval of instructions cannot be guaranteed.

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