Carr Wealth Management LLC

Carr Wealth Management LLC provides discretionary investment management and financial planning to individual clients, with an emphasis on those in or approaching retirement; the firm reports roughly $20.6 million in assets under management across about 66 clients. It operates on a fee‑only basis and does not sell commissioned insurance or annuity products.

The firm’s investment process uses Modern Portfolio Theory to construct portfolios aligned with documented objectives, time horizons, and risk tolerances, and it typically manages accounts on a discretionary basis with written investment policy statements. Financial planning and consulting are offered separately on an hourly or fixed‑fee basis, and the adviser coordinates with outside professionals engaged directly by clients when needed.

Notable features include a principal with both CPA and CFP credentials, a solo advisory model that nonetheless maintains multiple office addresses, and no stated account minimums. The firm participates in a TD Ameritrade Institutional program and receives related economic benefits (including soft‑dollar research), generally does not vote client proxies (clients receive proxy materials directly), and may waive or adjust planning fees when clients choose to implement recommendations through the adviser.