Wealth Management

Offering coordinated wealth management strategies.

At Carter Wealth Management Group, we focus our efforts on implementing prudent wealth management strategies based on your investment and life goals. We integrate strategies from various Wells Fargo Advisors affiliates, provide access to specialists and coordinate our recommendations with your other professional advisors.

Resources For Your Wealth Management Needs

As your financial advisor, we make sure that your entire team can act as one cohesive unit when addressing your complex wealth management strategies, such as creating tax-efficient legacy strategies, retirement planning strategies and gifting plans to your favorite charities. Wells Fargo Advisors is not a legal or tax advisor. However, we will be glad to work with you, your accountant, tax advisor and or lawyer to help you meet your financial goals.

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Financial Strategy Action Plan

The Financial Strategy Action Plan is the centerpiece for all review meetings. This document integrates all the various components that are key to a comprehensive 360-degree wealth plan.  Over time, this document serves as a centralized resource for our working relationship.

The Financial Strategy Action Plan details all of your family members, investment strategies, cash flow strategy, retirement strategy including employer retirement plans, IRAs, variable life insurance and annuities, Social Security & Medicare Planning, educational savings, estate strategy, insurance coverages, philanthropic strategies, and tax-related topics.

1 – Products and services offered by bank and non-bank affiliates of Wells Fargo & Company.

2 – Insurance Products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

3 - Alternative investments, such as hedge funds, funds of hedge funds, managed futures, private capital, real assets and real estate funds, are not appropriate for all investors. They are speculative, highly illiquid, and are designed for long-term investment, and not as trading vehicle. These funds carry specific investor qualifications which can include high income and net-worth requirements as well as relatively high investment minimums. The high expenses associated with alternative investments must be offset by trading profits and other income which may not be realized. Unlike mutual funds, alternative investments are not subject to some of the regulations designed to protect investors and are not required to provide the same level of disclosure as would be received from a mutual fund. They trade in diverse complex strategies that are affected in different ways and at different times by changing market conditions. Strategies may, at times, be out of market favor for considerable periods with adverse consequences for the fund and the investor. An investment in these funds involve the risks inherent in an investment in securities and can include losses associated with speculative investment practices, including hedging and leveraging through derivatives, such as futures, options, swaps, short selling, investments in non-U.S. securities, “junk” bonds and illiquid investments. The use of leverage in a portfolio varies by strategy. Leverage can significantly increase return potential but create greater risk of loss. At times, a fund may be unable to sell certain of its illiquid investments without a substantial drop in price, if at all. Other risks can include those associated with potential lack of diversification, restrictions on transferring interests, no available secondary market, complex tax structures, delays in tax reporting, valuation of securities and pricing. An investment in a fund of funds carries additional risks including asset-based fees and expenses at the fund level and indirect fees, expenses and asset-based compensation of investment funds in which these funds invest. An investor should review the private placement memorandum, subscription agreement and other related offering materials for complete information regarding terms, including all applicable fees, as well as the specific risks associated with a fund before investing.