A Knowledgeable Partner

The team at Seascape Capital Management brings proven expertise to every client relationship—backed by industry credentials.

The Chartered Financial Analyst® (CFA®), held by Monica McCarthy and Andrew Litzerman, is a globally-recognized professional designation given by the CFA Institute. The CFA® Charterholder designation is considered to be the highest distinction in the investment management profession.  It measures and certifies the competence and integrity of financial analysts.  The charter gives a strong understanding of advanced investment analysis and real-world portfolio management skills.  CFA Charterholders have the dept of training, knowledge, commitment, and ability to measure the complexity of a client’s financial life and to find solutions to complex problems.

CFA Charterholders have dedicated, on average, 1,000+ hours of intense study to pass one of the most rigorous series of exams in the financial industry.  Fewer than one in five candidates successfully pass all three levels of the CFA Program.  CFA Charterholders also attest annually to a high started of ethics to measure up to the demands of a changing financial world. For more information visit https://www.cfainstitute.org/

CERTIFIED FINANCIAL PLANNER™ The CFP® designation, held by Chrissy Mason, denotes the successful completion of a certification process, administered by CFP Board, which identifies to the public those individuals who have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients.

Although many professionals may call themselves “financial planners,” CFP® professionals have completed extensive training and experience requirements and are held to rigorous ethical standards. They understand the complexities of the changing financial climate and are ethically committed to making recommendations in your best interest.  CFP® professionals must hold a bachelor’s degree, have completed a rigorous certification program at the university-level, and pass a comprehensive exam. CFP® professionals agree to adhere to the high standards of ethics and practice outlined in the CFP Board’s Standards of Professional Conduct.  For more information visit https://www.cfp.net/

Certified Private Wealth Advisor® (CPWA®), awarded by the Investments & Wealth Institute® and held by Monica McCarthy, is an advanced credential created specifically for wealth managers who serve high-net-worth individuals, focusing on the life cycle of wealth, accumulation, preservation, and distribution.  It is designed for seasoned professionals who seek the latest, most advanced knowledge and techniques to address the sophisticated needs of high-net-worth clients.  Unlike credentials that focus specifically on investing or financial planning, the CPWA® program takes a holistic and multidisciplinary approach.

Earning this certificate furthers Monica’s knowledge and ability in identifying and analyzing the unique challenges high-net-worth individuals face and how to develop specific strategies to minimize taxes, monetize and protect assets, maximize growth, and transfer wealth.

To earn certification, CPWA professionals must meet a five-year experience requirement, complete coursework in advanced wealth management strategies, and pass a comprehensive examination covering 11 core topics, including applied behavioral finance, charitable giving, estate planning, and wealth transfer. To maintain certification, CPWA professionals must meet ongoing continuing education requirements and adhere to Investments & Wealth Insitute’s Code of Professional Responsibility.  Visit www.investmentsandwealth.org for more information.

Certified Divorce Financial Analyst (CDFA®) designation, held by Monica McCarthy, prepares financial professionals to be an expert on the financial aspects of divorce.  For many clients, divorce is the largest financial transaction of their lives.  The role of a CDFA® professional is to address the special financial issues of divorce with data to help achieve equitable settlements. To earn a CDFA® designation, you must complete four courses modules, including a case study, and pass comprehensive exams along the way.  To retain the CFDA designation, you must also obtain 15 divorce-related hours of continuing education every two years. For more information, visit The Institute for Divorce Financial Analysts website: https://institutedfa.com/

Charted Market Technician® (CMT®) The Chartered Market Technician® designation, held by Andrew Litzerman, is awarded to those who demonstrate mastery of a core body of knowledge of investment risk in portfolio management.  The CMT® designation marks the highest education within the discipline and is the preeminent designation for practitioners of technical analysis worldwide.

To earn the CMT® designation, professionals must meet a three-year experience requirement, successfully pass three comprehensive examinations covering topics in quantitative financial research and trading, risk management, applied behavioral finance, and portfolio management. To maintain certification, CMT® professionals must meet ongoing continuing education requirements and adhere to the CFA Institute’s Code of Ethics and Standards of Professional Conduct.  For more information visit https://cmtassociation.org/

Certified Trust and Financial Advisor (CTFA) certification, held by Chrissy Mason, is offered by the American Bankers Association (ABA), which provides training and knowledge in taxes, investments, financial planning, trusts, and estates.  With the CTFA certification, financial professionals have demonstrated knowledge and expertise in general financial planning and complex estate and tax planning areas.

The CTFA certification is awarded only to those financial services professionals with a minimum of three years’ experience, who have completed approved training programs, and who have passed a rigorous examination.  CTFA professionals maintain their level of knowledge with ongoing education requirements.