Carriere Financial Planning LLC

Carriere Financial Planning LLC serves individuals (including high-net-worth individuals) and business entities, offering investment planning and portfolio management as well as financial planning, insurance review, retirement, tax, estate, and college‑savings advice. The firm provides both discretionary and non‑discretionary management and prepares an Investment Policy Statement tailored to each client's goals, time horizon, and documented risk tolerance.

The firm follows a primarily passive, long‑term buy‑and‑hold approach informed by fundamental analysis, implementing strategies across mutual funds, ETFs (including precious‑metals and real‑estate ETFs), fixed income, equities, non‑U.S. securities and annuities. It uses a quantified risk‑profiling platform (Nitrogen/Riskalyze) to assign a Risk Number for portfolio alignment and employs institutional model portfolios from providers such as BlackRock and First Trust, with the option to build custom portfolios when models do not fit client objectives.

Distinctive for a solo adviser firm with roughly $3.3 million in assets, the firm includes financial planning at no additional charge for clients with $250,000 under management and offers participant account management for defined‑contribution plan participant accounts through a third‑party platform (recently implemented 401go) to manage held‑away retirement allocations without taking custody. The brochure also discloses that the advisor provides 1099‑contracted planning services to another financial firm, a relationship the firm identifies as a potential conflict of interest and addresses through disclosure and suitability screening.