Carter Capital Management
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$72,951,000
Clients
36
78% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
36
HighAverage account size
$2,026,417
About
Carter Capital Management provides investment supervisory services and comprehensive financial planning to a mix of individual clients, high‑net‑worth households, trusts and estates, retirement accounts, corporate accounts, and pension and profit‑sharing plans. The firm operates as a fee‑only fiduciary and manages client assets on both discretionary and non‑discretionary bases.
The firm’s investment approach emphasizes long‑term, disciplined investing with a focus on diversification, cost efficiency, and alignment with each client’s stated goals and risk tolerance. Portfolios are primarily constructed with low‑cost index funds and ETFs, guided by written Investment Policy Statements, strategic asset allocation, and periodic rebalancing, with ongoing monitoring and reporting via a secure client portal.
Notably, Carter Capital Management serves institutional clients and offers pension‑related consulting in addition to individual wealth management, a capability that is uncommon among peer independent advisers. The firm maintains a fee‑only structure with direct custodian reporting, formal policies on fiduciary duty, insider‑trading restrictions, trade‑error remediation, and a Code of Ethics that govern both individual and institutional engagements.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
General retirement planning
College savings (529s, UTMA, etc.)
Tax-loss harvesting
Fee options
Fixed fees may be charged for financial planning services as part of the fee-only compensation model.
$0 - $500,000: 1.00% $500,000 - $1,000,000: 0.75% $1,000,000+: 0.50%
Fee-only: Asset-based fees or fixed fees paid directly by clients; no commissions or third-party compensation received.
Main office location
Carter Capital Management
Houston TX, United States
Number of offices
1
Most active in
Carter Capital Management has reported serving >5 clients in these states in the last 12 months.
Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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