Monica Ann McCarthy

Monica Ann McCarthy CFA

99 Bow Street
Suite 300 East
Portsmouth NH 03801
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603 812-0124

Monica McCarthy, CFA, CPWA®, CDFA®, is a Principal and Senior Wealth Management Professional with experience in investments, portfolio management, and financial planning strategies.  For over thirty years, Monica has helped clients plan for and invest in their financial security.  For nearly a decade, she ran investment advisers affiliated with prominent Boston law firms working closely with family law and estate planning attorneys to provide wealth management strategies for high-net-worth individuals. She was also President and CEO of an independent wealth management firm, Seascape Capital Management, LLC, for over twenty years.

Monica helps clients work through the complex financial ramifications of divorce during a highly emotional time.  To help clients more, Monica pursued and earned the Certified Divorce Financial Analyst® designation to ensure effective and comprehensive services.

Monica’s goal is to steer clients toward financial security through objective analysis, informed decisions, and close collaboration with their legal counsel.  With her experience, she works to remove the confusion from a daunting situation by helping clients see precisely how different settlement options will look in the real world once they are on their own, facing life's challenges as individuals.

Monica’s experience working closely with attorneys and high net worth individuals helps clients avoid irreversible financial mistakes and confidently move on with their lives.  She founded Northeast Divorce Settlement Consultants, LLC in 2012 which was acquired by F.L.Putnam Investment Management Company in July 2026.  Working through the divorce consulting practice at F.L.Putnam Investment Management Company, clients are provided advice to make informed choices that can lead to positive change in their lives. 

Monica guides high-net-worth individuals through the financial complexities of divorce, providing the in-depth analysis and financial experience to:

*Collaborate with your attorney to identify and uncover relevant financial data for your divorce negotiation.

*Assess tax implications and the financial effect of dividing complicated marital assets.

*Examine various financial settlement options so you can see their real-life impact.

*Analyze lifestyle essentials that can influence spousal support.

*Provide data to strengthen your attorney’s case toward an equitable financial settlement.

*Guide clients to financial wellbeing now and post-divorce.

Monica is a CFA® Charter Holder (Chartered Financial Analyst®) and holds the following professional designations: CDFA® (Certified Divorce Financial Analyst), and CPWA® (Certified Private Wealth Advisor®).  Monica also earned an MBA with a concentration in Taxation from the University of South Carolina and graduated with a BA from the University of Virginia in Economics.