Kelly McGrath is a Retirement Wealth Advisor at IronOak Wealth, specializing in retirement plan design, executive benefit strategies, and fiduciary oversight for privately held businesses and professional practices. With over 19 years of experience in financial services, she brings a consultative, data-driven approach that helps business owners and executives align their retirement, tax, and compensation strategies for long-term success.
Kelly collaborates closely with plan sponsors, CPAs, and third-party administrators to build and maintain efficient qualified plan structures — from 401(k) and cash balance plans to non-qualified deferred compensation programs. Her work emphasizes clarity, compliance, and measurable value — ensuring each client’s retirement framework integrates seamlessly with their broader financial and business objectives.
Kelly began her career at Merrill Lynch before advancing into management and consulting roles with IMCOM-Europe and other institutional organizations. She holds a Bachelor of Arts in Business Administration from Saint Leo University and an MBA from the University of Maryland.
Core Areas of Focus
- Qualified and non-qualified retirement plan design and benchmarking
- Cash balance and defined benefit plan implementation
- Executive compensation and retention program development
- Fiduciary governance, fee analysis, and plan performance oversight
- Business owner retirement and succession coordination
- Participant education, engagement, and outcome optimization
