Envision Retirement LLC

Christopher Carracedo is a CFP® professional with 12 years of industry experience, currently serving as an advisor at Envision Retirement LLC. His prior work includes positions with Cambridge Investment Research Advisors, Inc., Priority Financial Group, and LPL Financial LLC. Outside of advisory work, he is also an independent insurance agent specializing in disability insurance. Envision Retirement, LLC manages approximately $79.65 million on a discretionary basis for around 193 clients, including individual investors and pension plans. The firm employs a strategic asset allocation approach focused on no-load mutual funds and ETFs, offering discretionary investment management, comprehensive financial planning, and pension consulting services.

James Dabbs is a financial advisor at Envision Retirement LLC with 40 years of industry experience. His prior roles include positions at Cambridge Investment Research Advisors, LPL Financial, and founding Desert Horizons Financial, where he remains active. He is also a licensed real estate agent and has worked as an independent insurance agent. Envision Retirement LLC manages discretionary assets for individual investors, including high-net-worth clients, as well as pension and profit-sharing plans. The firm employs a strategic asset allocation approach, primarily investing in no-load mutual funds and ETFs, and provides comprehensive financial planning and pension consulting services.

Janaye Carracedo is a CFA® charterholder with five years of industry experience. She has worked at Envision Retirement LLC since 2022 and previously spent eight years at BMO Private Bank. Envision Retirement, LLC manages discretionary portfolios for individual investors, including high-net-worth clients, as well as pension and profit-sharing plans. The firm employs a strategic asset allocation approach with an emphasis on tax-efficient portfolio management and offers financial planning and pension consulting services.