CARTER ADVISORY SERVICES - Key Persons
Job Titles:
- Carter Financial Management in 2019 As Executive Assistant
- Executive Assistant / Carter Financial Management
- Executive Assistant, Carter Financial Management / Professional
Amy joined Carter Financial Management in 2019 as Executive Assistant to Bill Carter. She has been in financial services for more than 20 years, and supports team members with scheduling, communications, continuing education and licensing in addition to serving as administrator for the Carter Financial Management Scholarship Program for college-bound students.
Prior to joining CFM, Amy was a licensed Associate Financial Representative with Northwestern Mutual, servicing client insurance and investment needs. She previously worked as a Relationship Manager with Envestnet, Inc., serving as a liaison between advisors and financial custodians.
Education
Amy attended the University of North Texas, where she obtained her Bachelor of Business Administration. She majored in marketing, with concentrations in finance and business management.
Personal
Amy lives in McKinney, Texas and has been married to her husband, Rick, for over 30 years. She loves spending time with her two grown daughters, their husbands, and her two granddaughters. She enjoys decorating, gardening, sailing and walking their two chocolate labs.
Becky joined Carter Financial Management originally in 1985 and returned in 2017 as President. She has been a CFP® professional for over 30 years and has focused her career on helping companies build successful, customer-focused businesses. She has special expertise in financial planning, insurance and mortgage strategies for the retirement marketplace.
A respected leader with a broad functional background in marketing, product development, sales management and operational efficiency, Becky most enjoys building the special relationships that allow her to be a valued partner to her clients and associates. She has been a featured speaker at industry events and is a strong advocate for creative thought in addressing the goals and needs of an aging population. Prior to rejoining CFM, Becky served in leadership roles with companies including GE, MetLife, Genworth, and Longbridge Financial.
Bill Carter founded Carter Financial Management in 1976. The firm has grown to include a full suite of experienced financial planning professionals managing over $1 billion in assets. Dedicated to client service and professional excellence, Bill puts his deep knowledge of tax, investment and estate planning to work in helping clients define and reach their financial and life goals.
In addition to building his company into a financial planning thought leader, Bill has been instrumental in defining the practice and national professional standards of personal financial planning. He has served as Chairman of the Certified Financial Planner Board of Standards (CFPB), the International Association of Financial Planning (IAFP), and the Foundation for Financial Planning (FFP).
Bill has been quoted in publications including The New York Times, Money Magazine, USA Today, The Wall Street Journal and The Dallas Morning News, among others. He has also been interviewed on numerous television and radio programs.
Bob joined Carter Financial Management in 1988 after a 20-year career in executive financial management. He and his son, Joel C. Berg, CFP®, work together specializing in the needs of the corporate executives, business owners and individuals planning for or living in retirement.
Bob is currently serving as a member of the Dallas Diocese Education Endowment Trust and is Chairman of its Investment Committee. He is a retired board member of The Catholic Foundation of Dallas. Bob served as past president and chairman of the board for the Dallas/Fort Worth Chapter of the International Association for Financial Planning (IAFP), at the time the largest association of financial planners in the country. He has also served on the board of the Dallas Chapter of The Institute for Certified Financial Planners.
As a strong supporter of financial literacy, Bob has presented continuing education workshops including Asset Allocation and Portfolio Management, The Basics of Financial Planning and Small Business Planning.
Job Titles:
- Member of the Carter Financial Management Team
Chris began his career as a financial advisor at Edward Jones. He has also spent time at a local Fidelity Investments branch and an independent wealth management firm, where he earned the CFP® certification. He currently assists the Financial Planners of Carter Advisory Services as they develop reviews of clients' formal financial plans.
Education
Chris attended Oklahoma State University, where he received a Bachelor of Business Administration in both Management and Marketing.
Personal
Chris grew up in Keller, Texas and currently lives in Dallas. In his free time, he enjoys exercising, baseball, and spending time with friends and family.
Job Titles:
- Database Administrator / Carter Financial Management
- Database Administrator, Carter Financial Management / Professional
Chris manages the information technology and data stores for Carter Financial Management's locations. His responsibilities include maintaining server and workstation functionality, phone system support, maintaining communication links to satellite offices, video conferencing, researching new technologies and keeping software up-to-date. He is also chairman of the CFM Technology and Contingency Plan Committee.
Education
Chris holds an MBA from Keller School of Management and graduated summa cum laude from DeVry University with a degree in telecommunications management.
Personal
In his personal time, Chris enjoys mountain biking and spending time with his children. He is involved in his local community and church and is also a soccer coach for the Youth Cross Roads Christian Sports League.
Job Titles:
- Associate Financial Planner, Carter Financial Management / Professional
- Certified Financial Planner
Cullen is a Certified Financial Planner™ professional that assists Bill Carter and Tyler Russell in providing clients with ongoing financial planning and wealth management solutions. Cullen understands that financial planning is a fluid process, centered around a client's life goals and values. His goal for client relationships is to ensure confidence by educating clients about their finances.
Before joining CFM, Cullen worked as a Financial Planning Analyst at Ameriprise Financial Services LLC where he gained experience working with clients and understanding their unique needs.
Education
Cullen graduated Summa Cum Laude from Texas A&M University in College Station, Texas. He holds a Bachelor of Science in Agricultural Economics, with a focus in Finance. While at A&M, he completed the Financial Planning Program minor, allowing him to sit for the CFP ® exam upon graduation.
Job Titles:
- Member of the Carter Financial Management Team
- Registered Associate / Carter Financial Management
- Registered Associate, Carter Financial Management / Professional
Daryl supports Kathy Muldoon's team and has 25 years of experience in the financial services industry. As a seasoned specialist, he has worked primarily with key executives and high net worth individuals. Daryl has extensive experience with trading, new accounts, compliance, money movement, IRA Rollovers, new client onboarding and helping cultivate client relationships. He assists with daily client interaction and any supporting activities to ensure excellent customer service is provided.
Education
Daryl graduated from Paris Junior College in Paris, TX with an emphasis in Business Administration. He then attended Austin College in Sherman, TX with concentrations in Business Administration and Economics. He holds the Series 7 and Series 63 licenses.
Personal
Daryl lives in downtown Dallas and enjoys reading, playing basketball and tennis, and vacationing in Colorado.
Job Titles:
- CERTIFIED FINANCIAL PLANNER
- Member of Young Men 's Service League
After 15 years in sales, marketing, finance, and staff accounting with Nestle and Nuvista, she pursued her own dream and made the leap to financial planning at Carter Financial Management. Deborah's general business acumen, results-oriented approach, and commitment to excellence helps to ensure that her clients' needs are well met.
Deborah, a CERTIFIED FINANCIAL PLANNER™ professional, guides clients in all stages of the financial planning process to make well-informed decisions, identify overlooked opportunities, and reduce risk and emotional bias that can derail a life well planned.
Deborah is an active member of Young Men's Service League, a non-profit organization that initiates and encourages young men and their mothers to pursue philanthropic involvement in their community. She is also a member of La Fiesta de las Seis Banderas and is frequently involved in supporting school activities.
Ellenore Knight Baker encourages her clients to achieve their financial and life goals in a risk-mitigating manner. As a trusted and experienced financial planner, she understands that families can face jurisdictional challenges. Her clients come from many locales and include CEOs of small and large businesses, as well as executive women in many fields.
Ellenore started her career as a floor trader for Goldman Sachs on the New York Options Exchange, the New York Mercantile Exchange and the International Petroleum Exchange where she created hedging strategies for domestic and international clients using commodities, financial futures, and options.
Job Titles:
- Certified Financial Planner
Tyler is a Certified Financial Planner™ practitioner and a Retirement Income Certified Planner TM. He serves clients by bringing expertise and a non-biased perspective to their complex financial lives. He believes separating emotions from financial decisions can increase the likelihood of reaching financial goals. Beyond the creation and implementation of the client's financial plan, investment portfolios and insurance recommendations, Tyler provides expertise regarding charitable intentions, retirement income sources, and tax-efficient planning strategies. He also performs research on investments, investment strategies, and US and global economics.
His fresh financial planning perspective makes him a resource for financial publications including The Wall Street Journal.
Tyler began his investments career at Fidelity Investments. He currently serves on the CFM Management Team and co-chairs Carter Education Partners, which hosts an annual investment conference and seminars for clients.
As President of Carter Advisory Services, JoAnne is responsible for the design and integration of each facet of our multi-disciplinary financial plans, while also providing guidance to clients in the pursuit of their financial and life goals.
With over 30 years of experience in financial planning, banking, and public accounting, JoAnne joined Carter Advisory Services in 1993 after successful careers at Ernst & Young and Bank of America. Her technical expertise is invaluable to the clients of Carter Advisory Services.
Education
After earning a Bachelor of Science in Business Administration, majoring in accounting, from the University of Dayton, JoAnne earned a Master of Science in Management and Administrative Sciences, with a concentration in Finance, from the University of Texas at Dallas. Recognizing that health is an integral component of wealth, JoAnne also holds a master's degree in Acupuncture and Oriental Medicine and is a licensed acupuncturist, herbalist, and Doctor of Oriental Medicine.
Joel and his father, Bob Berg CFP®, team to offer their clients sound advice in areas such as business and personal insurance needs, retirement income planning, investment planning and personal financial planning. Their relationships with professionals in every area of personal and business finance allow them to provide a comprehensive range of sound professional advice.
Joel serves on the Carter Financial Management Team and co-chairs Carter Education Partners. Prior to CFM, Joel spent 13 years with GEICO insurance, where he trained and managed teams and worked directly with customers and vendors in all aspects of the company.
Jonathan is a straightforward, consultative planner with an ability to bring balance between the analytical and emotional aspects of his clients' finances. He is a trusted advisor to executives, professionals, and entrepreneurs. Jonathan joined Carter Financial Management in 2006 and serves on the Management Team. Prior to joining CFM, he worked at Southwest Securities as a financial advisor and assistant branch manager for the private Client Group office in Dallas.
Jonathan served as President & Chairman of the DFW Financial Planning Association following several years on the board in various capacities. He served on the Dallas Estate Planning Council's Board of Governors, the Dallas Regional Chamber of Commerce's Economic Policy Committee and the Dallas Regional Chamber Small Business Advisory Council. In the local community, Jonathan served on the board of the Low Birth Weight Development Center and supports the North Texas Food Bank, the Wounded Warrior Project and the American Red Cross among various other interests.
Joe assists the Financial Planners of Carter Advisory Services as they develop reviews of clients' formal financial plans - a key element of helping clients identify and achieve their financial goals.
Education
Joe received a Bachelor of Business Administration in Finance from The University of Wisconsin-Whitewater in December of 2015. He earned the CFP® designation in 2019.
Personal
In 2018, Joe moved from Madison, Wisconsin to Dallas, Texas. He enjoys golfing, traveling, and supporting Wisconsin athletics.
Kathy is a nationally recognized, award-winning Certified Financial Planner™ professional, with a focus on transition planning due to major life events. Her customized solutions reflect deep experience in legacy planning and wealth management strategies for high net worth individuals and their families. Kathy takes special interest in guiding recently widowed clients based on her own experience as an early widow with a young family. She is a Senior Partner with Carter Financial Management.
Kathy is a frequent contributor in the financial press.
A native of San Francisco, Kathy raised her family in Texas. She enjoys the arts, spending time with family and friends and relaxing on the Oregon coast.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements. Raymond James is not affiliated with the organizations listed.
1. D Magazine Top Wealth Manager - D Magazine asked every wealth management firm and team in the Dallas-Fort Worth chapter of the Financial Planning Association, the Chartered Financial Analyst Institute, and the Investments & Wealth Institute to describe their practices. The final list was selected based on these criteria: top firms must have total assets under management for individual clients of at least $100 million; average assets under management per client of at least $1 million; a 95 percent client retention rate over the last two years; and no current disciplinary actions. Additionally, all firms must have been in existence for at least five years as of the application deadline (June 2021). They must also hold themselves out as fiduciaries for their clients and provide them with written disclosure. A panel of esteemed local wealth managers reviewed the final list. All numbers are current as of the application deadline. Out of the 58 that applied, 36 firms and teams were selected. Neither the firms nor their employees pay a fee to D Magazine in exchange for inclusion in the list. Inclusion on the list is no guarantee as to future investment success. The inclusion of a practice on the list should not be construed as an endorsement of the financial advisory practice by D Magazine. Raymond James is not affiliated with or D Magazine or any of the above-mentioned organizations.
Job Titles:
- Carter Financial Management 's Receptionist
- Receptionist / Carter Financial Management
- Receptionist, Carter Financial Management / Professional
As Carter Financial Management's receptionist, Leslie's primary goal is to welcome and care for each guest in the Dallas office, where she creates a positive experience for all who enter.
In addition to receptionist duties, Leslie assists with planning and implementing company events, office design and décor, supply and inventory control, expense management and company calendar maintenance.
Leslie retired from Benchmark Electronics after twenty-one years as the accounts payable manager for several domestic and foreign divisions. She was also liaison to the corporate, legal, HR and IT teams. Her duties involved managing and training staff, travel coordination and monthly general ledger accounts.
Personal
Leslie moved from the Houston area to North Dallas to be closer to family, including two of three daughters, a son-in-law, and grandchildren. She enjoys being outdoors for gardening, fishing, and walking and loves baseball, football, crafting, and sewing.
Job Titles:
- Senior Imaging Coordinator / Carter Financial Management
- Senior Imaging Coordinator, Carter Financial Management / Professional
Linda's responsibilities include overseeing the conversion of all digital files and maintaining client files and investment information.
Education
Linda is a graduate of Stephen F. Austin State University.
Job Titles:
- Branch Associate / Carter Financial Management
Job Titles:
- Certified Financial Planner
Lori is a Certified Financial Planner™ practitioner and conducts daily compliance oversight for the firm, supporting our branch managers and ensuring that intermediate and long-term compliance standards are followed. Her career began in 1996 in client service, and she has since deepened her knowledge of key financial planning strategies and tax laws that impact those strategies. She is focused on helping guide clients in areas including cash flow, retirement distribution, tax, estate, life and long-term care insurance planning.
Lori assists clients in monitoring their financial goals and providing the strategic research to help drive appropriate financial decisions. She is passionate about the importance of implementing a thorough estate plan and has deep-seeded experience working with divorce cases and the issues that impact minor children.
Patty is an award-winning financial planner, serving as a "financial coach" to clients who have experienced significant life changes, such as the loss of a spouse, retirement, or divorce. As a former educator, she brings a passion for teaching and communication simplicity to the practice.
Working with her clients and their other professional advisors, Patty helps individuals draw on their values to form investment goals and priorities, cash flow objectives, and important estate decisions. She then assists with the assessment, planning, implementation, and monitoring of financial targets to help turn goals into realities.
Patty is a summa cum laude graduate from the University of Tulsa with a bachelor's degree in math and science education.
Patty is an active member of the Richardson, Texas community where she and her husband Bill raised their 3 children. She enjoys travel and precious moments with her grandchildren.
Job Titles:
- Certified Financial Planner
Aaron is a Certified Financial Planner™ professional that delivers financial planning and wealth management strategies to high-net-worth families, executives and business owners.
With over 14 years of industry experience, Aaron works closely with clients, often across multiple generations, to navigate all things financial. By creating a customized approach based on client goals, he coordinates a wide range of financial planning strategies to build and manage wealth while respecting each family's unique identity and values. Additionally, as a 4th generation ranch owner, he has niche experience with the intricacies of managing personal agribusinesses and rural properties.
Before joining CFM, Aaron was the director of research at Messenger Advisors, LLC; a start-up investment management firm focused on building and managing discretionary turnkey model portfolios. Prior to joining Messenger, Aaron spent five years with U.S. Trust in the Private Wealth Management Group, where he gained strong trust-related expertise while providing integrated investment advice, core equity strategy portfolios and wealth management services to ultra-high net worth families and trusts.
Education
Aaron completed the Financial Planning Certificate Program at Southern Methodist University. He earned a Bachelor of Science in Political Science with a minor in Business from Texas Tech University.
Personal
Aaron and his wife, Lauren, stay busy with their two young sons and pets. He enjoys family time, fitness, traveling and exploring the outdoors.
Job Titles:
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Job Titles:
- Member of the D / FW Financial Planning Association
In serving her clients, Sue offers expertise in securities research, portfolio management and asset allocation as well as the sincere desire to be a trusted advisor, which she accomplishes by listening carefully and helping to ensure planning needs are consistently addressed.
Prior to joining Carter Financial Management, Sue was a vice president in the Private Client Group of Southwest Securities, a regional NYSE member-firm that acquired Spellman Capital Corporation, the boutique FINRA broker-dealer and registered investment advisory she founded in 1982.
Sue is a member of the D/FW Financial Planning Association. She has been quoted by national financial columnist Scott Burns and has provided investment guidance to both clients and women's organizations.
Job Titles:
- Branch Associate
- Branch Associate RJFS
Vicki is responsible for bookkeeping and other administrative duties for Carter Advisory Services. Other CAS duties include contract processing, Client Vault maintenance, and CAS financial reporting. Vicki provides support to her CAS team members, document management, and day to day operations.