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Company Philosophy
Our beliefs at Carolina Capital Consulting, Inc. can be best summed up by our commitment to the three C`s to financial independence:
- Capital Management
- Capital Appreciation
- Capital Preservation
Capital Management
We list this premise first because we believe everything flows through it. It denotes our commitment to high quality, comprehensive financial planning.
Most of the new clients we begin work with have completed piecemeal financial work in the past. They have some insurance, a few mutual funds scattered around, employer-provided benefits, perhaps a retirement plan (like a 401(k) or pension), a simple will, and a few vague goals. But, they have no idea if they are truly on the right track. Our job is to ensure that all aspects of a client`s finances are working toward definite goals.
Part of our job in "managing capital" is ensuring that our clients are better educated concerning their goals and overall financial picture. It is this covenant that has moved us to a "fee-only" financial planning firm. Working on a fee-only basis gives our clients access to solutions that would not be available under a commission-based compensation relationship.
Capital Appreciation
Our role is to not only manage our clients` finances, but also to maximize their current level of wealth in order to accomplish each client`s financial goals. We accomplish this in the following ways:
- We design, implement, and manage a personalized investment portfolio structured to match the client`s specific goals and risk tolerance with investment managers whose style of investing is appropriate for their time horizon. This is one of the benefits of a fee-based business such as ours.
- We also implement detailed tax strategies that reduce the effect of taxes on investments, increasing the growth of the assets at a faster rate, and thereby creating more wealth in the process.
Capital Preservation
While we strive to increase the growth of our clients` assets, we believe it is equally important to preserve the capital that our clients have worked so hard to create and build. We do this by:
- Building an investment portfolio that protects clients` existing level of wealth through sensible investment allocations.
- Implementing tax strategies that keep more of our clients` assets in their hands and less in Uncle Sam`s.
- Devising an estate plan (with the help of a qualified estate attorney) that preserves our clients` estates for their heirs.
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