Raleigh’s Retirement Specialist
You know the retirement lifestyle you desire. Whether you are just beginning to save and invest, or you have been doing so for a long time, we bring a unique perspective to your situation. Today, more than ever, we find that our clients are just as concerned about healthcare during their retirement years as they are about wealth care. Carawan Financial Partners engages valuable resources to address healthcare, long term care and social security optimization as integrated components of the financial plans that our advisors provide to our clients. What good is a plan that excludes these three key issues? Imagine what it would be like to attain the retirement lifestyle that you desire! Proper planning can help you get there. Derek has lived in Raleigh, North Carolina since 1980. During this time, he has developed professional relationships that enhance the value that he provides to his clients.
Derek Carawan and his team design plans with attention to risk and need for growth. Isn't it important to develop a predictable plan that strives to provide the highest degree of certainty? Our approach tends to focus on a targeted savings/investment rate during the earnings years from age 20 to 50. As clients approach 50 years of age, this trend continues but sometimes more attention must be paid to market risks. Here is where we begin to have conversations about long term care needs and the many approaches to this topic. We believe clients should continue to save and invest as they age out of their fifties with particular attention paid to developing a healthcare plan. Though it is a complex topic, Carawan Financial Partners helps our clientele sort through the complexities so that we can develop a plan to address this critical need.
Social Security Optimization is a primary focus for our clients as they approach retirement age. It is one of the most overlooked items in the retirement planning process. Social Security Optimization may uncover multiple techniques that an individual or couple can use to maximize social security income versus taking a "traditional" social security benefit.
This comprehensive approach is what sets Derek Carawan and the team at Carawan Financial Partners apart.
No strategy ensures success or protects against a loss.
Should You Invest in Exchange Traded Funds?
There are hundreds of ETFs available. Should you invest in them?
Protecting Your Business from the Loss of a Key Person
Business owners may be able to protect themselves from the financial consequences of losing a key employee.
Retirement Income and the Traditional Portfolio
Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets.
An increasing number have been developed to help individuals with their personal finances.
Successful sector investing is dependent upon an accurate analysis about when to rotate in and out.
The chances of an IRS audit aren't that high. And being audited does not necessarily imply that the IRS suspects wrongdoing.
Military families face unique challenges, making personal finance even more critical.
How long does a $20 bill last?
Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA.
Assess whether you are running “in the black” or “in the red” each month.
Estimate how much income may be needed at retirement to maintain your standard of living.
This calculator can help you estimate how much you should be saving for college.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
The chances of needing long-term care, its cost, and strategies for covering that cost.
There are a number of ways to withdraw money from a qualified retirement plan.
There are some key concepts to understand when investing for retirement
Investment tools and strategies that can enable you to pursue your retirement goals.
Using smart management to get more of what you want and free up assets to invest.
Learn more about taxes, tax-favored investing, and tax strategies.
That big list of dreams and goals isn't the only way to look at your bucket list.
A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.
From the Dutch East India Company to Wall Street, the stock market has a long and storied history.
Are you ready for retirement? Here are five words you should consider.
Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?
When should you take your Social Security benefit?