• Home
  • Wealth Management

Portfolio Management

By being independent, CarterDillonUmbaugh is not obligated to sell the products of any specific firm. Portfolio management is never limited to just one company or mutual fund group. We have the freedom to find the investment products, or use an investment strategy, that is the best fit for each client. CarterDillonUmbaugh has access to nationally recognized third-party money managers or provides our own hands-on, in-house, customized management of your assets.

 


“Wealth is not about having a lot of money; it’s about having a lot of options.”- Chris Rock


Investment Advisory Services

Our Wealth Management team will guide you through each step of the investment process. We will help identify your financial goals, assess your tolerance for risk and provide asset allocation and investment management based on these results. The advisory process includes monitoring your investments and making adjustments as needed based on economic conditions and the evolution of your personal financial goals.

 


“Money does not make you happy but it quiets the nerves.” - Sean O'Casey


Financial Planning

Financial planning is an on-going process integrating the needs, goals, and assets of an individual or group with their tolerance for risk, their tax liabilities, and time frame. And because all of these can change at any given time, the plan needs to be monitored and reviewed on a consistent basis. Whether a personal retirement plan, or a cash flow plan for a small business, CarterDillonUmbaugh will customize a plan based on your individual needs.

 


“Planning is bringing the future into the present so that you can do something about it now.” - Alan Lakein


Retirement Income Planning

Twenty or thirty years ago retirement planing was a much more straight forward process. Back then more people had the luxury of guaranteed income through workplace pensions, and Social Security made up nearly 2/3 of their retirement income. Today planning for retirement is a complex issue. When is the right time to retire? How much money will you need in retirement? How will inflation impact your finances down the road? What is the best age to start Social Security? How much of an impact will stock market volatility have on your retirement? How long will your nest egg last? How much a legacy will you be able leave for heirs and loved ones? These are questions CarterDillonUmbaugh LLC can help you answer as part of our retriement income planning service.

 


"Money won’t bring you happiness; and happiness won’t bring you money." - Groucho Marx


IRAs/401(k) Rollovers

Contributions to Traditional IRAs can be an effective tool for growing your retirement nest egg and for reducing your taxable income. Changed jobs? Your 401(k) or similar retirement plan from a former employer can be rolled over to your own IRA. Roth IRAs do not provide any immediate tax breaks, but under current tax laws will allow you to take distributions tax free in retirement. The Wealth Management team at CarterDillonUmbaugh can help you decide if a rollover or an IRA makes sense for you, and provide investment management and allocation.

 


"If inflation continues to soar, you’re going to have to work like a dog just to live like one." - George Gobel


Small Business Retirement Plans/401(k)s

401(k)s; SIMPLE IRAs, and SEPs are the retirement plans most commonly used by small businesses. CarterDillonUmbaugh will evaluate your needs and goals and find the plan best suited for your organization. Our level of service does not stop there. We will enroll employees, monitor their accounts and be available on site to review their investments with them.

 


“I'd like to live as a poor man with lots of money.” - Pablo Picasso


Alternative Investments & Insurance

Typical stocks and bonds or mutual funds are not always the only answer for every investor. Depending on the needs and qualifications of the client, CarterDillonUmbaugh can provide alternative investments such as real estate; business development companies or commodity related securities. We also serve as an independent insurance agent providing life, disability, and long-term care insurance. (note: alternative investments and insurance may not be available to all investors)

 


“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” - Ayn Rand


Insurance & Annuities

A comprehensive financial strategy is often benefited by the inclusion of protection offered by life insurance and annuities. Life insurance can be used to protect loved ones in the event of your passing or be utilized as part of estate planning tool to efficiently create a legacy for future generations. Annuities may provide tax deferral and living or death benefits, depending on the needs of the investor. CarterDillonUmbaugh works with multiple insurance carriers to find insurance and annuity products that are the most suitable for your individual application.

 


“Not everything that can be counted counts, and not everything that counts can be counted.”—Albert Einstein