For over 30 years, Carter Financial Management (CFM) has provided outstanding financial planning services to its clients, and prides itself on unique customer service, a vast knowledge of the industry and an outstanding team of planners.

1976 marked the beginning of CFM, and founder Bill Carter, CFP, CLU, ChFC, has subsequently been nationally recognized for his pioneering work in the financial planning field. He has been both president and chairman of the International Association for Financial Planning, the industry’s largest professional association, and also has served the CFP Board of Standards as a past chairman and president. He frequently serves as a national resource for the profession’s leadership, organizations, and regulatory agencies.

In 1979, Kathy Muldoon joined CFM and was named Vice President in 1985. Money magazine has named her one of 200 outstanding financial planners in the United States. She continues to be in frequent demand, both as a nationally renowned planner and as a professional resource.

In 1980, a second company was formed. A registered investment advisory firm, Carter Advisory Services, Inc. (CAS), was established with a highly skilled technical staff. To date, CAS has written more than 1,350 financial plans. CAS is considered an industry model and is often called upon to advise other planners to establish or modify their own registered investment advisory firms.

Planners for CFM represent a wide spectrum of advanced educational and professional backgrounds. There are 17 CFPs, a ChFC, two CLUs and two MBAs. CFM has branch offices in Houston, Chicago, and Austin. The concept of shared expertise and the development of areas of specialization is the bedrock for the firm’s knowledge base.

CFM provides financial planning services through Carter Advisory Services and observes the professionally recognized 6-step process for financial planning as defined by the Registry of CFP Practitioners. Beginning with the client’s current situation, planners assess assets, liabilities, cash flow, taxes, insurance in force, and estate planning documentation. Subsequently, specific goals and objectives are defined. This process reveals immediate steps needed to meet short-term financial objectives, and defines obstacles to be attained to reach long-term goals.

The next step is the development of a written financial plan, followed by implementation of prioritized recommendations. Annual and quarterly reviews are provided in this process. These reviews help ensure that the clients’ objectives are being reviewed, and if necessary, modified, in the ever-changing economic climate.

Our mission is to be the most outstanding financial planning firm in the profession. Our goal is to conservatively and efficiently help our clients increase net worth and build financial security, resulting in “peace of mind.” Perhaps more simply stated, our objective is to help our clients accumulate enough assets that they do not outlive their income.

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