Broker Check
Carawan Financial partners

7000 Harps Mill Road
Suite 201
Raleigh, NC 27615
919.870.8181

Rightsizing for Retirement Social Security: By the Numbers Making Your Tax Bracket Work The Facts About Income Tax

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.



Helpful Content

The ABC’s of Auto Insurance

The ABC’s of Auto Insurance

What kind of auto insurance should you have? Do you know?

Should You Choose a Fixed or Variable?

Should You Choose a Fixed or Variable?

When selecting a mortgage, one of the most critical choices is between a fixed or variable interest-rate mortgage.

Assess Life Insurance Needs

Assess Life Insurance Needs

How to help determine life insurance needs to provide for your family after you pass away.

 

Test Your Life Insurance Knowledge

How much do you know about one of the most important tools you have to help protect your and your family’s financial future?

A Decision Not Made Is Still a Decision

Investors who put off important investment decisions may face potential consequence to their future financial security.

Insurance Needs Assessment: When You're Newly Married

Marriage changes everything, including your insurance needs.

Four Great, Unexpected Places to Raise a Family

Here are 4 great, and sometimes unexpected, places to raise a family.

Making Sense of U.S. Household Net Worth

A look inside the U.S. government's statistics on household net worth.

Variable Universal Life Insurance

Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested.

View all articles arrow

Self-Employed Retirement Plans

Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.

Assess Your Life Insurance Needs

This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.

Comparing Investments

This calculator compares the net gain of a taxable investment versus a tax-favored one.

Social Security Taxes

Estimate how much of your Social Security benefit may be considered taxable.

Can I Refinance My Mortgage?

This calculator can help determine whether it makes sense to refinance your mortgage.

Roth 401(k) vs. Traditional 401(k)

This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).

View all calculators arrow

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

View all presentations arrow

The Junk Drawer Approach to Investing

It's easy to let investments accumulate like old receipts in a junk drawer.

The Cost of Procrastination

Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.

Your Personal Recovery

As the economy gathers momentum, many are waiting for their personal finances to gather momentum, too.

What Our Kids Can Teach us About Saving Money

Would you guess that Millennials are effectively saving for retirement? Well, they are.

Should I Invest In REITs?

Are Real Estate Investment Trusts right for your portfolio?

Charitable Giving: Smart from the Heart

Do you have causes that you want to support with donations? Here are three tips.

View all videos arrow