Our Story
Over 20 years ago, dissatisfied by the financial planning landscape of that time, David Carter, founder of Carter Capital Management, left a major Wall Street firm to start this venture with a vision and a conviction that there must be a better way to serve and help clients navigate their way toward retirement and financial independence.This was a time when the financial services industry was facing significant turmoil and struggling to change from archaic high-fee, biased commissioned-based advice and conflicting investment banking relationships to more transparent and objective relationships with their clients. In many ways, over twenty years later, the struggle continues.
His vision was highly uncertain for the financial planning landscape of that time. Armed only with conviction, he set off to build a firm built of four fundamental changes to the financial planning relationship, all of which conflicted with the customary financial planning relationship of that time.
Over 20 years later, our firm persists providing independent and
objective financial advice, fee-only tranparency, fiduciary care and
a focus on low-cost investing. What was once a question, has now been
answered and we look forward to leading the industry in the future
with the same conviction we started with.
Who We Are
Carter Capital Management is a independent financial planning and investment management firm based out of Houston, Texas. We provide our services in the fiduciary capacity on a Fee-Only compensation basis. Independent means we have no affiliation with the custodian who safeguards our clients' assets. We believe this separation between the advisor and the custodian nurtures greater objectivity and assures the highest level of security for our clients' assets. We provide the advice and management and the custodian provides the custodial protection.David Carter founded Carter Capital Management in 2003 and brings over 25 years of experience providing financial planning and investment management services.
He is and has been a CERTIFIED FINANCIAL PLANNER™ for over 20 years, attained his Bachelors in business from the University of Texas in Austin and an MBA
from the Bauer School of Business at the University of Houston.
What We Do
Carter Capital Management provides comprehensive financial planning services and investment management. Our services include:Over 25 years, we've built a proven process to guide our clients and navigate the everchanging and complex financial world we live in today. Our 4-step process is a dynamic cycle, meaning its built to change as your life changes.
Our investment philosophy centers around the well-established premise that markets are generally
efficient and that cost is a major contributor to the returns for many investors today.
With this principle in mind, we build and manage customized portfolios for each client using
modern portfolio theory and a combination of low-cost tax-efficient index funds, mutual funds,
individual stocks and bonds.
We are not a short-term trading firm and we do not believe that timing the market is a successful
long-term approach to investment management. We buy and hold high quality for the long-term and
rebalance and reallocate as the financial markets change and as our clients' lives change.