Joshua T. McCarthy, ChFC®

Financial Advisor

Josh began his career as a Financial Advisor in 2012 and joined ROI Financial Group in 2018. He brought with him a strong foundation of experience working with individuals, families, small business owners, and trusts to help them navigate their financial and insurance needs. The collaborative, team-based approach at ROI Financial Group complements Josh’s own commitment to delivering comprehensive and personalized guidance.

Josh follows a thoughtful and structured process: he listens carefully to understand each client’s goals, analyzes the best strategies to achieve them, implements tailored solutions, and consistently monitors progress. His practice is built entirely through referrals, a testament to the long-lasting relationships and trust he’s earned by always putting his clients’ best interests first.

As a Financial Advisor, Josh offers customized solutions using managed account strategies, mutual funds, individual equities, and both fixed and variable annuities. He also creates personalized insurance plans including life, disability, and long-term care coverage. 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), Deferred Compensation 457(b) plans, Thrift Savings Plan (TSP), and 403(b).

Josh earned his Chartered Financial Consultant (ChFC®) designation in 2024 and holds FINRA Series 6, 7, 63, and 65 licenses, along with Life, Accident, and Health Insurance licenses.

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