Investment Management
A bank will evaluate each borrower separately before lending money. Venture capitalists or private equity investors evaluate each potential company before investing capital. As individual investors, we should take the same approach to capital invested on our behalf. Another trait these professional lenders and investors have is avoiding short-term actions counter to the original strategy of weathering market declines to achieve planned objectives.
The uncertainty of investment returns and potential losses can outweigh all other factors we can control to reduce the risk and uncertainty. Our firm’s objective is to help clients feel comfortable with their investment strategies and feel secure about their planning for future family goals.
Anthony B. Carr, CPA, CFP®, MBA
Low-Cost/Fee Only
Independent Fiduciary
Personal Service
25 Years Of Managing Investments
Tax Expertise
Rollovers and Transfers
Rollovers & Transfers - Let Us Help!
Rollovers
A Rollover may be possible if you have left your employer for retirement or other reasons. We can help manage any employer retirement account that you would like to rollover into an IRA (deductible or non-deductible), including:
401K
403B
457B
ESOP
If keeping your account at your former employer is permitted, the following questions should be answered:
a) What total costs do you pay for your account in your former employer's retirement plan? These costs include investment (retail funds) costs, management costs, transaction costs, and any other fees that are being charged directly or indirectly to you.
b) Does the current asset allocation in your retirement plan reflect your unique financial situation?
c) Do you have access to a source of financial knowledge that can help you make better-informed decisions in your retirement?
Transfers (Consolidate)
Whether due to changing employers or choosing different investment opportunities, it's not uncommon to have accumulated several investments by the time one retires. While having many types of investments may be a positive accomplishment, examining whether there's a more efficient way to consolidate your investments to avoid a record-keeping nightmare and know where you are with overall asset allocations, costs, and risks may be beneficial. Some potential advantages to consolidating your retirement accounts with Carr Wealth Management, LLC, are:
Uniform your investment strategy by clearly identifying how your objectives and goals match your investments and risk tolerance.
Consolidate your accounts as much as possible, saving time and costs.
Take advantage of the lower costs provided by our competitive low-cost investment vehicles and fee-only cost structure.
Available Investments
Equities
Companies seek funds by issuing shares of stock that represent ownership. The stock investor is expecting corporations to sustain long-term earnings growth. Proper diversification among equities would include domestic, international, and emerging markets.
Bonds
Companies and Government Entities borrow money in the capital markets. The bond investor is essentially lending funds to these borrowers. The amount received as interest will depend on the issuer’s credit quality and the length of the debt (maturity).
REITS
Publicly owned real estate allows individual investors to gain broad diversification to the asset class of real estate without the major expenditure of capital - or any of the headaches of being a landlord which private ownership requires.
Alternative Investments
We offer various alternative public investments that may be appropriate depending on each investor’s financial situation. The diversification benefit, low expenses, and the risk/return tradeoff can be attractive with some investments such as commodities (including gold), fixed non-commissioned annuities, and other investments.
** Investments involve risks. The investment return and principal value of an investment may fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original value.
All offered investments are listed on nationally regulated public exchanges—NYSE, AMEX, and Nasdaq.
