Fee-only adviser · La Jolla, CA
Carter Financial, LLC
Carter Financial, LLC is a fee-only investment adviser registered with the U.S. Securities and Exchange Commission, with its main office in La Jolla, California. On its latest Form ADV, filed July 8, 2026, it reports $282M in regulatory assets under management, 177 individual clients and 3 employees who give investment advice. It reports no commission compensation, is not registered as a broker-dealer and does not act as an insurance agent.
Key facts from Form ADV
| Registration | SEC-registered |
|---|---|
| Firm CRD number | 298327 · SEC file 801-117265 |
| Office | 4225 Executive Square Suite 1030 La Jolla, CA 92037 |
| Phone | (858) 678-0579 |
| Website | www.carterfinancialllc.com |
| Regulatory assets under management | $282M |
| Individual clients | 71 non-high-net-worth, 106 high-net-worth |
| Financial planning clients | 0 |
| How it charges | Percentage of assets, Fixed fee |
| Services | Financial planning, Portfolio management |
| Employees | 3 |
| Disciplinary disclosures | None reported |
| Latest Form ADV filing | July 8, 2026 |
Source: the firm’s Form ADV Part 1A as published by the SEC’s Investment Adviser Public Disclosure database, data as of November 6, 2026. Figures are self-reported by the firm.
What this means for you
- It offers hourly or fixed-fee arrangements, so you may be able to pay for a plan without handing over your investments.
- It also charges a percentage of assets managed for ongoing investment management.
- Most of its individual clients are high-net-worth, which on Form ADV means they meet the SEC’s qualified-client or qualified-purchaser test: broadly, more than $1 million managed by the adviser or a net worth above $2 million, with the thresholds indexed for inflation.
- It provides financial planning services, not only portfolio management.
- It reports no disciplinary history on Form ADV.
Before you hire any adviser
Read the firm’s Form ADV Part 2 brochure on its SEC record: it sets out fees, minimums, conflicts of interest and who will manage your money. Ask whether the firm acts as a fiduciary for all of your accounts, how it is paid in total, and who holds your assets. Our guide to choosing a financial adviser lists the questions to ask.
Other fee-only advisers in La Jolla
- Worthpointe $1.1B
- Castle Coast Wealth, LLC $424M
- Canter Wealth $386M
- Financial Alternatives, Inc. $615M
- Nerad + Deppe Wealth Management $176M
- Coastwise Capital Group, LLC $212M
See all 23 fee-only advisers in La Jolla →
Nearby
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- Del Mar 6 firms
- Solana Beach 4 firms
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- Cardiff by the Sea 2 firms
- Cardiff-By-The-Sea 1 firm
- Rancho Santa Fe 7 firms
- Encinitas 10 firms
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