1. Who is Carlton Financial Group?
Carlton Financial Group is a family owned, financial planning and fee based investment management firm, structured to either handle all of your financial needs. Our background was rooted in life insurance, wealth transfer and estate planning where we developed several propriety strategies and processes which have served our clients extremely well in all market conditions.
2. What does Carlton Financial Group sell?
Our services include but are not limited to providing sound financial planning advice regarding investments, retirement, pensions, income planning, budgeting, insurance, educational planning, estate planning and general financial matters.
3. Do you derive any commission from selling investment products?
No. We do not accept commissions regarding any investments or managed accounts. We believe this fee structure better aligns us to assist you with your financial goals. We charge simple and flat fee.
4. Do you derive any income from selling insurance products?
Yes. All insurance products are commission based and with our background, we are extremely well positioned to position insurance based products correctly into your overall financial plan. Our belief is that insurance should be purchased, not sold. Since there are so many different insurance products available, we believe our fiduciary oversight positions us in the best possibly way to assist you with these matters. Insurance products are the only instruments where we accept commissions.
5. What is the difference between “fee only” and “fee based”?
Fee only advisors derive their income from a percentage of assets managed or a flat fee. Fee based advisors are able to work with a more broad offering of financial products.
6. Who do we serve?
While we serve a variety of clients, both individuals and businesses of all sizes as well as pre retirees and retirees.
7. Does your firm hold my money or ever have custody?
Never. We do not accept custody nor the ability to make trades within your account. We utilize a third-party custodian called Folio Institutional to hold your funds. We chose Folio Institutional due to their unique low cost fee structure, security, compliance standards and ability to integrate with several management platforms.
8. Do we guarantee investment performance?
No.
9. Do we provide institutional and professional money management?
Yes. Once we create decide to implement a plan, we provide on going maintenance and advise.
10. What geographical areas do we serve?
Since we are located in Middle Tennessee, this is where the core concentration of our clients reside. We have several hundred clients all across Alabama, Kentucky, Florida, North Carolina and South Carolina.