Carter Asset Management

read moreWhile offering expertise in the management of investments, this effort is an extension of the personal financial planning process. Until the client and the advisor know well-defined financial goals and objectives, we do not believe the right investment efforts can be undertaken. Personal financial planning is an ongoing and comprehensive process that seeks to maximize the utilization of financial resources, while giving appropriate emphasis to individual uniquenesses and stage in life. Our fee-only services support these professional efforts that emphasize the client's best interest.

read moreAn appropriately allocated and diversified portfolio of quality investments focused on the long-term is the hallmark of our investment management stategy. With each client, we help determine and formally document within the Investment Policy Statement the agreed upon portfolio allocation. The allocation between equites i.e. We invest in the global economic marketplace in a disciplined manner that includes companies of all sizes, industries, sectors, and geographic regions. We also believe it is important to diversify the decision makers within the portfolio, which is accomplished by using multiple mutual fund families to take advantage of their particular focus or specialty.

read moreManaging cash and appropriately financing assets are an important part of comprehensive financial planning. One of the things we do well is assisting our clients to find "margin" within their monthly budget that will help them to maximize the utilization of their available resources. This effort may be to enhance their accumulation and investment efforts, reducing their tax liability, growing their emergency savings, or setting aside funds for particular future goal. There is good debt and bad debt.

read moreWe believe you can know reasonably well, today, the amount you will need to have to enjoy the type of retirement you desire, how much you need to be setting aside and investing every month to reach that goal, and whether or not you are on track for achieving it. Retirement planning is a dynamic and comprehensive process that must be undertaken to ensure you are able to successfully obtain your retirement goals. It is our view that the only successful way to plan for retirement is to grow your own personal endowment, with which you are able to generate the income you need during your retirement years.

read moreSimply having estate documents may not mean that your estate planning goals are being accomplished. By getting to know our clients and their specific goals, we help to ensure those goals are accomplished in the manner most appropriate for them, while giving consideration to taxes, family dynamics, charitable intent, and other relevant factors. An important element of adequate estate planning is maintaining flexibility to accomplish the goals for your estate and avoid estate transfer taxes to the greatest extent possible.