Joshua T. McCarthy

Financial Adviser

Josh 2021

Josh began his career in financial services in 2012. He joined ROI in 2018 bringing with him years of experience working with individuals, families, small business owners, & trusts to help them achieve their financial and insurance needs. The team approach and collaborative effort offered by ROI Financial Group complements Josh’s comprehensive approach towards his clientele. Josh follows a process of listening to what it is his clients want to accomplish, analyzing the best ways to achieve those goals, implementing a strategy, and continuing to monitor progress. His practice is strictly referral based & he believes that doing the right thing for his clients leads to strong, long-lasting relationships.

As a Financial Advisor, Josh offers his clientele custom solutions to their financial needs by implementing managed account strategies, mutual fund/individual equity strategies, & fixed/variable annuity solutions. He also creates custom plans for life insurance, disability insurance, & long term care insurance. Josh has a particular focus on guidance regarding retirement accounts of both public & private sector employees. This guidance applies to retirement accounts such as 401(k), Thrift Savings Plan (TSP), Deferred Compensation 457(b) plans, and 403(b).

Josh currently holds the FINRA Series 6, Series 7, Series 63, & Series 65 licenses, as well as the Life, Accident, & Health Insurance license.

Born & raised in Buffalo, NY Josh is a graduate of St. Joseph’s Collegiate Institute and Canisius College. His interests include golf, hockey, squash, travel, & spending time with his wife Becca, & their amazing daughters Ella Grace, and Chloe Elizabeth.

ROI Office
Disclosure

Marc Rosenthal is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CA (CA Insurance License #4135101), CT, FL, GA, IL, KS, MA, MD, ME, NJ, NV, NY, OH, PA, RI, SC, TN, TX, UT, and WV. No insurance business may be conducted outside the states referenced.

Marc Rosenthal is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 7 Limestone Dr, Williamsville, NY, 14221, 716-568-4800. In this regard, this communication is strictly intended for individuals residing in the states of AL, AZ, CA, CO, CT, FL, GA, IL, KS, MA, MD, ME, MT, NC, NJ, NV, NY, OH, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, and WV. No offers may be made or accepted from any resident outside the specific states referenced.

Marc Rosenthal is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AL, AZ, CA, CO, CT, FL, GA, IL, KS, MA, MD, ME, MT, NC, NJ, NV, NY, OH, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, and WV. As such, these services are strictly intended for individuals residing in the states referenced.

Marc Rosenthal is a Member Agent of The Nautilus Group®, a service of New York Life Insurance Company.

The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

ROI FINANCIAL GROUP is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither ROI FINANCIAL GROUP nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

*Beginning 1/1/15, an IRA participant is allowed only one indirect rollover in any 12-month period across all IRAs that he or she owns. An indirect rollover is a participant-initiated distribution in which the participant receives the proceeds and subsequently rolls those proceeds into another (or the same) IRA within 60 days. Individuals can continue to make unlimited trustee-to-trustee transfers (transfers directly between IRAs) as well as unlimited conversions from traditional IRAs to Roth IRAs. Clients should consult their tax advisor prior to affecting a rollover. When considering rolling over the proceeds of your retirement plan to another tax-qualified option, such as an IRA, please note that you may have the option of leaving the funds in your existing plan or transferring them into a new employer’s plan. You may wish to consult with your new employer, if any, to learn more about the options available to you under your plan and any applicable fees and expenses. You may owe taxes if you withdraw funds from the plan. Please consult a tax advisor before withdrawing funds.