About

Investment Philosophy

Because investment performance plays a pivotal role in attaining and preserving financial independence, we employ only time-tested principles to build resilient investment portfolios using a disciplined structure rooted in financial science with identifiable, evidence-based factors that we believe, over time, will lead to better performance.

The key principles we employ to manage client portfolios include:

  • We only invest client funds within the context of a long-term financial plan. We must know what your money is being invested FOR.
  • We invest with meaningful diversification utilizing broad asset allocation categories and pooled investment vehicles as core portfolio holdings.
  • Achieving inflation-beating returns relies heavily on a significant allocation to equity ownership of the greatest companies in the world. For nearly 100 years equities have outpaced inflation by a healthy margin
  • We exercise discipline by rebalancing portfolios to keep them in alignment with a client’s long-term goals.
  • We only utilize investment holdings that have an underlying intrinsic value. This eliminates speculative holdings that do not have an identifiable source of income or revenues to base valuation upon.
  • We minimize fees and taxes. The savings from using institutionally priced investment vehicles and making “tax-aware” investment decisions go right to the bottom line.

Visit Us

4225 Executive Square Suite 1030
La Jolla, CA 92037

Carter Financial, LLC

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(858) 678-0579

Carter Financial, LLC is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Carter Financial, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Carter Financial, LLC unless a client service agreement is in place.
Securities offered through Charles Schwab & Co., Inc. Member FINRA/SIPC.
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