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Our Services CFM provides financial planning services through Carter Advisory Services, and follows the professionally recognized six-step process for financial planning as defined by the College for Financial Planning. To offer prospective clients an overview of the company, we provide a one-hour meeting to introduce our services to you. Comprehensive Financial Planning Beginning with the client's current situation, planners assess assets, liabilities, cash flow, taxes, insurance in force and estate planning documentation. Specific goals and objectives are subsequently defined. This process reveals immediate steps needed to meet short-term financial objectives, and defines obstacles overcome for attainment of long-term goals, such as retirement and estate planning. The next step is the development of a written financial plan, followed by implementation of prioritized recommendations. Periodic reviews and updates are provided to ensure that current objectives are being reviewed in an ever-changing economic climate. Through our broker/dealer, Raymond James Financial Services, Inc. (RJFS), we provide a variety of portfolio management services for individuals, pension and profit sharing plans, retirement funds, foundations, endowments, and trusts. In addition to traditional investment accounts, we have several fee-based accounts that feature annual fees and low (or no) transactions costs. In addition, we offer an Elite Investment Account that combines a full-service investment account with a comprehensive cash management program. Some of the features include unlimited check writing, a VISA Gold debit/ATM card, cost basis and gain/loss information, loans, and access to account information via the Internet. Performance reporting is included for Elite accounts valued at $250,000 or greater. Brokerage Services and Investment Products Our investment services and products also are offered through our broker/dealer, RJFS. Our clients can choose from a wide range of investment products, such as mutual funds, stocks, bonds and real estate investment trust. In addition, RJFS has a nationally recognized equity research department featuring current stock recommendation and commentary on the market and the economy. Risk Management and Insurance Products We offer evaluations and products for life, disability and long term care insurance, fixed and variable annuities, and other insurance products. We will work in conjunction with your accountant and attorney to coordinate the financial plan with your tax and estate planning needs. We also assist with planning for wealth replacement, charitable gifting, business succession and employee benefits, as well as other specific topics. Trust services are now available in the State of Texas through our broker/dealer, Raymond James and Sound Trust Company. We are happy to report that they are among the first foreign fiduciaries to be approved under the new Texas state law. Throughout the year, we offer seminars to our clients that cover a wide range of educational topics, as well as current events that may affect your financial future. In addition, we hold our annual investment conference each fall. In its 27 years of success, our conference brings to you a diverse range of investment planning topics and issues. Click here for our seminar schedule
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