Company Investment Philosophy

The Company's investment philosophy is centered around academic research and straightforward common-sense which investors can understand. The company advocates an investment philosophy whose core principal is the commitment to goal-oriented investing, rather than to transaction-oriented investing.Since 2000, we have specialized in managing client portfolios using passive management strategies - a low cost, diversified, and tax-efficient approach using funds designed to track indexes or market sectors instead of trying to outperform them, which is difficult mainly due to added costs.

Why Are We Different?

Our firm has always believed that to have a positive investment experience, an investor does not need any special education, special knowledge, or special training. The most critical thing an investor needs is probably the most difficult thing to maintain - DISCIPLINE!

Discipline to transaction-oriented brokerages and the financial press are dirty words - the more disciplined an investor is, the less trading is being done, and of course, less trading and advertising revenue received. The most powerful investment strategy an investor can follow involves the simple act of compounded growth - earnings on earnings, or interest on interest. The exponential impact of compounded growth can be staggering, but unless investors adopt a long-term investment approach, they may be doomed to engage in short-term speculative investing. Unfortunately, the excessive fees paid to someone to manage your investments, the costs of the investment vehicles used, and the cost of ineffective strategies may reduce the available market returns that may make your goals harder to reach.

Here at Carr Wealth Management, we've helped clients since 2000 manage their investments with a unwavering dedication to long-term discipline. We help you reach your financial goals by providing access to a more efficient way of investing - lower fees, independence, tax knowledge, diversification, and a long-term disciplined approach.

Click To View Chart: Compounded Growth, How Fast Can Assets Grow?

Lower Fees

The adage that "you-get-what-you-pay-for" may be true when it comes to just about every commodity or service. However, when it comes to investing, it may not be necessarily true. In fact, in most cases, there is an inverse relationship between the total fees and expenses and the actual investment return. Investment costs include the fees/commissions of an adviser/broker, the administrative costs of the brokerage/bank, and the operating costs of the investments themselves. Any additional costs and taxes to your investment strategy each year can significantly reduce accumulated balances - the amount you actually keep.

Independence

Independence assures that objectivity is a priority at all times. Carr Wealth Management, LLC, has no affiliations or obligations to any proprietary-product-selling company. We take pride in adding tremendous client value with knowledge, not products.

Tax Knowledge

Tax consequences can play a significant role in your financial planning. The company's expertise tax planning and knowledge can help increase the likelihood of reaching your goals whether you are in the accumulation stage of the investment process, or you have begun receiving distributions during your retirement phase, or you have begun planning for the transfer of assets to heirs.

Tax preparation services are not offered by Carr Wealth Management, LLC, or affiliated advisers.

Investment products offered through Carr Wealth Management, LLC are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

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