Carter Financial, LLC

A Fiduciary, Fee-Only Wealth Management Firm

Noteworthy

Charitable Initiative

This year Carter Financial, LLC is partnering with Just in Time for Foster Youth for a holiday charitable drive. The mission of Just in Time for Foster Youth is to help youth ages 18-26 transition out of the foster care system to self-sufficiency and well-being. Foster youth are placed in a system because of circumstances beyond their control and often leave it feeling unsure, unprepared and disconnected. Just in Time for Foster Youth’s My First Home program (https://jitfosteryouth.org/mfh-household-donations/) transforms empty apartments into safe, stable and supportive places to live by providing new and gently-used home goods provided by donors. This helps the youth take a fundamental first step toward building a secure future.

Fill the Warehouse

Just in Time for Foster Youth maintains a warehouse of these household items and they are badly in need of items to stock their shelves, especially with the holidays coming up. Would you be willing to join us in helping these at-risk youth transition into their first home? Helping is easy: review the list of items needed here (https://www.signupgenius.com/go/30E0D48A9AC28A6F85-just), sign up to provide one or more of the items listed so we know what to expect and donate the items in one of two ways:

  • Drop them off at our offices any time before Thanksgiving. We will make sure they get to the warehouse in time for holiday distribution. No wrapping needed!
  • If getting to our offices is not possible, please feel free to go on Amazon and order one or more of the items and ask that they be delivered to our office address.

Thank you so much for your consideration. This will be a great blessing to these youth as they transition to an uncertain future.


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.