Cartera Investments
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$250,000
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Clients per advisor
0
Average account size
—
About
Cartera Investments is a state-registered investment adviser that provides investment management and financial planning to individual and high-net-worth clients. The firm manages client assets on an individualized basis and offers both discretionary and non-discretionary arrangements, with its reported assets under management not managed on a discretionary basis as of March 1, 2024.
The firm’s investment approach emphasizes asset allocation and a view that markets are broadly efficient, implementing diversified portfolios chiefly through mutual funds, ETFs, fixed income securities and occasional individual equities or REITs. Cartera uses fundamental analysis, periodic rebalancing, and at least quarterly account reviews, and for non-discretionary accounts executes transactions only after obtaining client approval.
Distinctive features relative to many peers include its primary reliance on non-discretionary relationships and its willingness to work with individual, including pre‑retirement, clients who may fall below typical account minimums. The firm operates on a fee‑only basis with flat-fee arrangements for non-discretionary accounts, does not take custody of client assets, and forwards proxy materials to clients rather than voting them.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
College savings (529s, UTMA, etc.)
Options & derivatives strategies
Fee options
Financial planning fees up to $2,400 per year, invoiced quarterly ($600 per quarter)
Under $250,000+: Flat fee of $2400 annually for non-discretionary accounts under $250,000 (no percentage) $250,000 - $500,000: Base fee $2,400 plus 0.75% on amount over $250,000 annually $500,000 - $1,000,000: Base fee $4,275 plus 0.65% on amount over $500,000 annually $1,000,000 - $1,500,000: Base fee $7,525 plus 0.5% on amount over $1,000,000 annually $1,500,000+: Flat fee maximum $10,000 annually
Account minimum: $200,000 Minimum fee: $2,400 annually for non-discretionary accounts under $250,000 Fee-only: Fee-only investment advisor; no commissions received
Main office location
Cartera Investments
Media PA, United States
Number of offices
1
Most active in
Cartera Investments has reported serving >5 clients in these states in the last 12 months.
Pennsylvania
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:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")