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.
Assess Life Insurance Needs
How to help determine life insurance needs to provide for your family after you pass away.
Good Health is Good Business
Good employee health can be great for the company’s bottom line.
Systematic Withdrawals in Retirement
Taking regular, periodic withdrawals during retirement can be quite problematic.
Over time, different investments' performances can shift a portfolio’s intent and risk profile. Rebalancing may be critical.
When you’re married and have children, insurance needs will be different.
Having your identity stolen may result in financial loss plus the cost of trying to restore your good name.
Here are five facts about Social Security that are important to keep in mind.
Sound estate management includes creating financial and healthcare documents. Here's an inside look.
By understanding a few key concepts during a divorce, you may be able to avoid common pitfalls.
Use this calculator to estimate your income tax liability along with average and marginal tax rates.
Enter various payment options and determine how long it may take to pay off a credit card.
This questionnaire will help determine your tolerance for investment risk.
This calculator can help determine whether it makes sense to refinance your mortgage.
Use this calculator to assess the potential benefits of a home mortgage deduction.
This calculator demonstrates the power of compound interest.
How federal estate taxes work, plus estate management documents and tactics.
There are a number of ways to withdraw money from a qualified retirement plan.
Using smart management to get more of what you want and free up assets to invest.
There are some smart strategies that may help you pursue your investment objectives
The chances of needing long-term care, its cost, and strategies for covering that cost.
Investment tools and strategies that can enable you to pursue your retirement goals.
Agent Jane Bond is on the case, discovering how bonds diversify a portfolio.
The decision whether to buy or rent a home may have long-term implications.
Here’s a crash course on saving for college.
What are your options for investing in emerging markets?
Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?
A special needs trust helps care for a special needs child when you’re gone.