Our Wealth Management Process

At Carter and Carter, our team’s comprehensive wealth management process is centered on understanding your unique personal situation and goals to create a plan that will allow us to work together to achieve what is most important to you.
We believe in a long-term investment philosophy that emphasizes portfolio diversification. This plays a key role in the potential investment success of our clients. We offer regular financial reviews of your investment’s performance, which creates opportunities to manage your wealth and minimize tax consequences.

Step 1: Discovery Meeting

Step 2: Investment Plan Meeting

Step 3: Mutual Commitment Meeting

Step 4: Follow-up Meeting

Step 5: Regular Process Meetings

We take care to find investments that fit into your personal risk profile, and we work to educate you about your holdings. We believe open communication is paramount in establishing mutual trust. Most importantly, we work for you, not for a specific institution.

Wealth Planning
Our thorough analysis of your circumstances, resources, needs and goals is the basis for our customized plans. We emphasize building and preserving financial independence, legacy planning and proactive tax-reduction strategies.

Investment Management
We use principles of tactical asset allocation to design customized portfolios that combine stocks, bonds, mutual funds, exchange-traded funds and alternative investments. This blend of assets is customized to your goals, time frame and investment objectives. We provide sophisticated investment guidance and well-informed, thoroughly researched recommendations. We continually monitor and adjust the components of each portfolio so asset allocations remain consistent with the stated objectives.

Retirement Planning
At Carter and Carter, we work with you to help anticipate and plan for scenarios you might not have considered. We focus on tax-efficient retirement-income planning and asset-preservation strategies.

Tax and Estate Planning
We work to coordinate the efforts of your accountant and your attorney by assisting in designing tax-efficient management and distribution strategies. Understanding your complete financial pictures, we work to educate them on how to best utilize their existing advisors to minimize tax burdens and provide for heirs.

Education Planning
One of the best things you can do for your children and grandchildren is giving the gift of higher education. We’ll help you set up a plan to most effectively fund an education for the next generation.

Risk Management and Insurance
Managing financial risk is the core of contingency planning. To help ensure that our clients are well-prepared for the unexpected – such as accidents, illness or disability – we evaluate existing risk management strategies and, as needed, suggest life, disability and long-term care insurance.