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Photo of Monica M. Garver, CPA, CFP®, AIFA®, CDFA®

Monica M. Garver, CPA, CFP®, AIFA®, CDFA®

Director of Retirement Plan Services and Financial Strategist

Monica serves as the firm's director of Retirement Plan Services, working with the executive team to oversee all retirement plan services/components and their delivery to our Retirement Plan clients. Additionally, Monica works as a financial strategist in the Johnstown office where she provides her wealth management clients with unbiased advice that seeks to help them reach their life goals. She also serves on McKinley Carter's Investment Services Council (ISC), which oversees the design, communication and implementation of our comprehensive investment programs, as well as the firm's Tax and Legacy Planning Specialized Practice Group.

Licensing and Education

  • Accredited Investment Fiduciary (AIF®)
  • Accredited Investment Fiduciary Auditor (AIFA®)
  • Certified Divorce Financial Analyst (CDFA®)
  • Certified Public Accountant (CPA)
  • Bachelor of Science in Accounting Duquesne University

Accomplishments and Honors

With over 35 years of experience in financial planning and investment management, Monica is a National Registered Financial Advisor of the National Association of Personal Financial Advisors (NAPFA). In 2020, she was selected as an AIF® Item Writer, which means she is a contributor to the Accredited Investment Fiduciary certification program based on merit. Monica is also a recipient of Pittsburgh Magazine’s “Five Star Wealth Manager Award.”

Community Involvement

Monica has been on several boards within the community; she is a former treasurer to the Johnstown Symphony Orchestra.

Selected Resources

Monica’s Articles
ESG Upload to Insights

Department of Labor takes a 180 Degree Turn on ESG Investing

Review a summary of key updates from the Department of Labor as it regards Environmental, Social, and Corporate Governance (ESG) investing.

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Loan Interest Rates

What is an appropriate interest rate for plan loans?

Digging a little deeper into the ERISA and IRS requirements that DC plan loans reflect a “reasonable rate of interest”.

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Deemed Loans Image

When Does a Participant Loan Become a Deemed Distribution?

A recent IRS Issue Snapshot affirms a retirement plan participant loan is a legally enforceable agreement and terms of the loan agreement must comply with Internal Revenue Code (IRC Section 72(p)(2) and Treasury Regulation Section 1.72(p)-1). The terms of the loan agreement must be explicit in writing or deliverable electronically, and a loan in default is considered to be a deemed distribution. Learn more.

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A women smiling in an office, meeting with a client.

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