Calton & Associates, Inc.

Calton & Associates serves individual investors, retirement plans, trusts, estates and other retail clients, providing portfolio management, fee-based financial planning, retirement plan consulting, and access to third‑party money managers. The firm also offers commissionable brokerage and insurance products through its dual registration as both a registered investment adviser and a broker‑dealer, and its IARs often operate in multiple capacities when working with clients.

Investment recommendations are tailored by each IAR based on client goals, risk tolerance, time horizon and liquidity needs, with discretionary and non‑discretionary management options. Calton offers multiple program structures — including firm‑managed wrap programs (I‑MAP and P‑MAP), separate account platforms, and a T‑MAP program that places assets with approved third‑party money managers — and uses a range of analytic approaches from fundamental and technical analysis to covered‑call strategies.

Notable features in the brochure that differentiate Calton from many peers include its retail broker‑dealer and insurance operations that result in commission‑based product sales alongside AUM fees, its affiliation with PeakShares LLC (an ETF adviser), and its role as sponsor/manager of wrap programs. The firm’s regulatory history — including an SEC consent order tied to mutual‑fund share‑class selection and subsequent adoption of a policy crediting back 12b‑1 fees, as well as FINRA matters — is disclosed and may be relevant to prospective clients evaluating its governance and supervisory practices.