Carter Financial, LLC

A Fiduciary, Fee-Only Wealth Management Firm

What We’re Working On

For all of the human and economic misery that the coronavirus has caused, there are some silver-lining financial planning strategies to take advantage of. Here’s what we are working on now for clients:

Required Minimum Distributions (RMDs): RMDs are waived for 2020 as part of the Cares Act legislation. Clients who can forgo their required distributions from a cash flow standpoint should consider skipping their 2020 RMDs.

Relatively low taxes for 2020: 2020 may turn out to be a tax-friendly year to take advantage of:

  • Marginal income tax rates are still relatively low due to the Tax Cut and Jobs Act of 2018
  • Capital gains distributions from mutual funds will be much lower this year.
  • Higher tax rates in the future will be one of the most likely consequences of the exploding government debt taken on to battle the economic effects of the coronavirus.

Tax Loss Harvesting: Triggering capital losses in taxable accounts and immediately reinvesting the proceeds in similar securities to maintain the overall portfolio balance retains a portfolio’s recovery potential while banking tax savings for the future

Roth conversions: Consider strategically converting some IRA funds to a Roth IRA in 2020 to take advantage of the relatively low income tax rates.


Welcome to
Carter Financial, LLC

Carter Financial, LLC is an independent, fee-only Registered Investment Advisor (RIA) located in La Jolla, CA.

Financial Independence

What will last longer – you or your money? We prepare a personalized multi- decade plan to prepare you for the realities of a retirement landscape that has shifted dramatically.

Investment Philosophy

During inevitable market upheavals, do you feel the confidence that comes from having an investment portfolio that is designed to address all economic scenarios? Because there is no cookie-cutter investment portfolio that is right for everyone, we craft disciplined, targeted strategies aimed at providing potential for growth ahead of inflation over the long term, while working to provide the income you need to live over the short term.

Risk Management

Do you have any financial blind spots? We take a 360 degree look at your financial situation to identify anything that may financially harm you, your family or your businesses.

Wealth management built for you.

Understanding Today's Financial Environment

At Carter Financial, we serve as our client’s personal CFO, advising on all matters where finances and life intersect. For more than 30 years, our business has focused on continually researching and understanding the dynamics of financing a multi-decade retirement. After taking you through an immersive discovery process, we help you define everything you are trying to accomplish in your financial life. We then map your current financial situation to your short and long-term objectives. We quarterback your financial life by coordinating with CPAs, estate attorneys and other professionals to ensure you have an integrated financial plan.
The mission of Carter Financial is to be the most trusted financial advisor in the San Diego area.