Carter Financial, LLC

A Fiduciary, Fee-Only Wealth Management Firm

Noteworthy

Cyber Defense

Trends like remote work, Internet of Things (IoT), bring-your-own-device (BYOD) and cloud initiatives have given hackers new ways to infiltrate organizations by exponentially expanding the attack surface. At the same time, technologies like artificial intelligence (AI) and machine learning (ML) give hackers new tools to distribute malware and reach bigger and more diverse audiences. Some steps that technology leaders can take to keep cybercriminals at bay (all of which are employed by Carter Financial, LLC) include:

  • Keep antivirus software updated. Antivirus software is the first line of defense against malware and rapidly changing viruses.
  • Enable a firewall. A firewall is necessary to block unauthorized access to a network.
  • Set up a VPN (virtual private network). Connecting via a VPN is essential to keeping your network traffic encrypted.
  • Activate multi-factor authentication. It is the best way to stop hackers from breaking into sensitive accounts.
  • Routine vulnerability scanning. Use routine penetration testing and vulnerability scanning to identify flaws before cybercriminals do.
  • Employee education. Be on the lookout for phishing, which is when hackers attempt to lure you into revealing information by pretending to be a legitimate organization. Our IT firm constantly sends “fake” phishing e-mails to employees to keep us vigilant against this threat.

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.