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What We Do

Even the smartest, most productive, most informed people can't do it all. We understand that managing wealth and planning for your financial future can be complex and overwhelming.

At Carlton & Company Financial, we embrace a holistic wealth management approach that encompasses both personalized investment management and ongoing financial planning. Our approach goes beyond investment management, as we work with you to understand your unique financial goals and develop a personalized plan to help you achieve them. Throughout the journey, we serve as your trusted advisor, providing ongoing financial guidance and acting as your sounding board along the way. 

<strong>Investment Management</strong>

Investment Management

  • Asset Allocation, Diversification and Rebalancing
  • Concentrated Stock Strategies, RSU and Stock Option Planning
  • Consultation on life changes that affect your assets
  • Portfolio Management
  • Access to Alternative Investments
  • Income Strategies & Cash Flow Planning
  • Money Manager Selection & Ongoing Monitoring
  • Performance Reporting & Market Commentaries
  • Secure Client Portal and Financial Dashboard
  • Sustainable & Socially Responsible Investment (SRI/ESG) Solutions
  • Tax Efficient Investing
  • Tax-Loss Harvesting

<span id="_mce_caret" data-mce-bogus="true"><strong>Financial Planning</strong></span><br data-mce-bogus="1">

Financial Planning

  • Goal Assessment & Prioritization
  • Portfolio Review (allocation, risk tolerance, objective, tax efficiency, cost, investments)
  • Financial Organization
  • Expenditure Review
  • Retirement Planning
  • Risk Management & Life Insurance Analysis
  • Incapacity Planning
  • Employment Package Analysis Review
  • Estate Planning Review & Coordination with Legal and Tax Advisors
  • Education Planning
  • Executive Compensation
  • Business Succession & Exit Planning
  • Adoption Planning
  • Charitable Giving Strategies
  • Inheritance Planning
  • Planning for Unique Circumstances
  • Real Estate Advice & Support

<span id="_mce_caret" data-mce-bogus="true"><strong>Retirement Planning</strong></span>

Retirement Planning

  • Identifying Scenarios & Goals
  • Financial Organization
  • Cash Flow Analysis & Spending Plan
  • Income Building and Withdrawal Strategies
  • Long-Term Care Assessment
  • Portfolio Review & Consolidation
  • Risk Management Analysis
  • Social Security Planning
  • Succession & Business Exit Planning
  • Beneficiary Review
  • Estate Planning Review

<span id="_mce_caret" data-mce-bogus="true"><strong>Planning For Those in Transition</strong></span><br data-mce-bogus="1">

Planning For Those in Transition

  • Cash Flow Analysis & Spending Plan
  • Divorce Planning
  • Educational approach to navigating one's changing environment
  • Estate Planning
  • Financial Organization
  • Guidance & Consultation for Widows

<strong>Risk Management &#38; Insurance Services</strong>

Risk Management & Insurance Services

  • Advanced Estate Planning Strategies
  • Business Owner Succession Planning
  • Long-Term Care Solutions
  • Policy Reviews
  • Term Insurance

<span id="_mce_caret" data-mce-bogus="true"><strong>Legacy Planning</strong></span><br data-mce-bogus="1">

Legacy Planning

  • Account Titling Review
  • Beneficiary Review
  • Estate Planning Review & Coordination with Legal and Tax Advisors
  • Family Financial Management
  • Insurance Review & Analysis
  • Wealth Transfer Strategies 

<span id="_mce_caret" data-mce-bogus="true"><strong>Business Planning</strong></span>

Business Planning

  • Coordination with Attorney, CPA, and Other Professionals (as needed)
  • Retirement Plan Selection
  • Succession Planning
  • Tax Planning Strategies

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