CARITAS FINANCIAL: Strength and Virtue
Caritas (Care-uh-tahz) is Latin for charity, kindness, and compassion for others
At Caritas Financial, our experienced professionals have helped hundreds of families for nearly two decades by providing clear, thoughtful retirement planning guidance. Through the years we have expanded our services to become a comprehensive financial services firm providing financial planning and private wealth management for individuals and families as well as institutional services for organizations such as endowments, foundations, and retirement plans.
Focused on You
Our work begins by helping you clarify and prioritize your objectives. This is accomplished after an in-depth conversation designed to give us insight as to what is important to you in life, both personally and financially. The decisions we arrive at together help us develop a personalized financial plan that supports your objectives, responsibilities, and ambitions.
Each Financial Consultant and Private Wealth Advisor at Caritas Financial works with a select number of clients to ensure we are accessible and responsive to your needs. Financial planning is a process, not a one-time event, so we provide ongoing communication and can respond to changes in your priorities or circumstances as necessary. We pride ourselves on connecting with clients and earning their trust, which is invaluable when developing and implementing strategies that are customized for your objectives.
Objective, Unbiased Advice
Whether you are getting “retirement-ready,” selling your business, organizing your finances, planning a legacy, or even starting a foundation, you can feel comfortable knowing you have a strong financial team to provide comprehensive recommendations. Our skilled team is comprised of financial professionals with distinguished industry designations, including CERTIFIED FINANCIAL PLANNERTM (CFP®), Chartered Financial Analyst (CFA®), Certified Investment Management Analyst (CIMA®), Chartered Alternative Investment Analyst (CAIA®), and Accredited Investment Fiduciary (AIF®) – all of whom have access to a broad spectrum of non-proprietary products and services. As an independent firm, we are honored to have the responsibility of delivering clear, unbiased and objective advice to our clients.
Immediate vs. Deferred Annuities
Looking forward to retirement? It's critical to understand the difference between immediate and deferred annuities.
Social Security Benefits: How Much Will I Receive
Calculating your potential Social Security benefit is a three-step process.
A Primer on Dividends
A company's profits can be reinvested or paid out to the company’s shareholders as “dividends."
Here's a breakdown of how the federal government spends your tax money.
The true cost of raising a child may be far more than you expect.
Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested.
Affluent investors face unique challenges when putting together an investment strategy. Make sure you keep these in mind.
The wise use of credit is a critical skill. These 10 questions will help you assess your skill level.
Understanding how capital gains are taxed may help you refine your investment strategies.
Estimate how much income may be needed at retirement to maintain your standard of living.
Use this calculator to assess the potential benefits of a home mortgage deduction.
This calculator helps estimate your federal estate tax liability.
Use this calculator to better see the potential impact of compound interest on an asset.
Determine if you are eligible to contribute to a traditional or Roth IRA.
Estimate the total cost in today's dollars of various mortgage alternatives.
The chances of needing long-term care, its cost, and strategies for covering that cost.
The importance of life insurance, how it works, and how much coverage you need.
There are a number of ways to withdraw money from a qualified retirement plan.
Investment tools and strategies that can enable you to pursue your retirement goals.
A presentation about managing money: using it, saving it, and even getting credit.
How federal estate taxes work, plus estate management documents and tactics.
A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate.
Lifestyle inflation can be the enemy of wealth building. What could happen if you invest instead?
The question used to be how low can interest rates go. Now it's how long can rates remain at their historic low levels?
Estate conservation is too important to put off. Do you have a smart exit strategy?
There’s an alarming difference between perception and reality for current and future retirees.
Learn how to harness the power of compound interest for your investments.