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.
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Here's a breakdown of how the federal government spends your tax money.
Revising Estate Strategy Assumptions
Estate tax exemptions rules appear to be stabilizing, prompting many to reconsider conventional estate strategies.
9 Facts About Retirement
Regardless of how you approach retirement, there are some things about it that might surprise you.
Creating an inventory of your possessions can save you time, money and aggravation in the event you someday suffer losses.
This worksheet can help you estimate the costs of a four-year college program.
One or the other? Perhaps both traditional and Roth IRAs can play a part in your retirement plans.
There are things about Social Security that might surprise you.
An increasing number have been developed to help individuals with their personal finances.
Tips on insuring your teen driver.
Assess whether you are running “in the black” or “in the red” each month.
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.
Assess how many days you'll work to pay your federal tax liability.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.
Principles that can help create a portfolio designed to pursue investment goals.
There are some smart strategies that may help you pursue your investment objectives
There are a number of ways to withdraw money from a qualified retirement plan.
Investment tools and strategies that can enable you to pursue your retirement goals.
The chances of needing long-term care, its cost, and strategies for covering that cost.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Around the country, attitudes about retirement are shifting.
If you died, what would happen to your email archives, social profiles and online accounts?
Investors seeking world investments can choose between global and international funds. What's the difference?
A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.
Here is a quick history of the Federal Reserve and an overview of what it does.
Here’s a crash course on saving for college.