John G. McCarthy III


Heritage Financial Consultants, LLC

John G. McCarthy III, a financial planner and partner in Heritage Financial Consultants, focuses primarily on financial planning and investment management programs for high net worth clients.

John has been a financial planner since 1993 when he joined Lincoln Financial Advisors. Within Lincoln Financial Advisors, John has been listed on the top 100 advisors list for many years now. Since 2010 he was listed in the top 40 of Lincoln’s Top Financial Advisors nationally.1 John has been featured in WORTH magazine for 2012-2014 (a premier financial publication) and recognized in 2017 as a top advisor by SmartCEO magazine.2

John is a member of the Resource Group (composed of top advisors within Lincoln Financial Advisors) and sits on the Investment Committee.3

Education and Certifications

  • BA in international studies from Washington College
  • Series 6, 7, 63 & 65 registered
  • Investment Advisor Representative
  • Life and Health insurance licensed
  • Million Dollar Roundtable (premier association of the worlds’ most successful insurance professionals) qualifier for the last 17 years.4

On a Personal Note

John was born and lived in Beirut, Lebanon, until the age of 4 when he moved to London, England. He attended high school at Shiplake College in Henley-on-Thames, England, and spent his time between London and Geneva, Switzerland, before coming to the United States to attend college.

Main Service Areas:

  • Investment Management Programs
  • Financial Planning
  • Estate Planning
  • Asset Management
  • Risk Management

California Insurance License #0D85649


1Based on sales as well as good standing with the firm and FINRA.

2SmartCEO identified the region’s best-run companies and invited the CEO and a member of the executive team to be interviewed on camera by SmartCEO’s editorial team. Each company’s video interview served as their application for inclusion in the Best-Run Book – A collection of stories and ideas from the region’s top companies.

3The Resource Group (TRG), an invitation-only, nationwide network of the top 200 planners within Lincoln Financial Advisors.

4To qualify for the Million Dollar Round Table, members must meet a certain level of premium, commission or income during the year. For details please visit