Carter Financial, LLC

A Fiduciary Wealth Management Firm

For many years, Carter Financial, LLC has had a robust business continuity plan in place that is designed to allow us to continue operations in the event of natural disasters, employee contingencies and other emergencies. Now, in the interest of employee safety and the State of California’s stay-at-home order for nearly all Californians in response to the COVID-19 virus situation, we are putting that plan into action.

As of today, Carter Financial, LLC has moved to a fully remote work environment. Despite this change, we are fully operational and prepared to meet the ongoing needs of clients, including the ability to access client accounts, make transactions and distribute funds. We take our data security seriously and our remote access policy ensures that when client files and data are accessed remotely, they are as secure as when they are accessed from our offices.

Our phone lines will be answered and monitored during normal business hours from Monday through Friday and our associates have full email and client file access during remote operations. In lieu of scheduled in-person meetings we are equipped for virtual client meetings including phone conference calls and video-conferencing.

This is an unprecedented time for all of us. We appreciate your confidence in Carter Financial, LLC’s ability to provide for your needs. We hope that you and your loved ones will continue to be safe and healthy. If you have any questions or concerns please let us know.

Sincerely,
Steve Carter


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.