Welcome to Carlton Financial Inc.

Thank you for taking the time to visit our site. We are here to help you understand the opportunities and potential rewards that come from taking a proactive approach to your financial situation.

If you are like most people approaching or already enjoying retirement, you probably have concerns about your finances. The common concerns that I hear everyday, include the following:

• How to grow and preserve your money
• Generating an income you cannot outlive
• Passing your wealth to the next generation as tax efficiently as possible
• Protecting your assets from stock market downturns
• Protecting your assets against catastrophic illness or injury

Since we cannot accurately predict what will happen in the financial markets or the economy, when planning for retirement income, we cannot rely entirely upon the “ups and downs” of the financial markets for all of our income – they are too unpredictable.

We need to prepare for both bad, and good, economic conditions. The good news is that achieving retirement security in this insecure and unpredictable world is possible, but solving the puzzle can be complex.

Complex problems are solved by following a process that results in a plan. In everything in life that involves complexity, the key to managing complexity is following a process and a plan.

To solve your retirement puzzle, you need a plan that is based upon a logical process.

Our logical process begins with identifying your two types of income during retirement. We call them Essential Income and Extra Income. Essential Income is the income you need to remain comfortable for the entirety of your retirement horizon. Essential Income must be reliable, predictable, and steady. Extra income is the additional income you want for fun and family. Extra Income can be flexible and is your hedge against inflation. Two different types of income, requires two different strategies.

We can help you grow and protect your money, reduce your taxes, provide income and most important...give you peace of mind. We will show you how our strategies work and determine what percentage of your portfolio is suitable for each of these strategies.

You get a second opinion on your health; Why not get a second opinion on your wealth! We will teach our strategies at no cost or obligation to you with a free consultation. We want to empower you with information so that you can take control of your finances and make the best decision to suit your needs.