Caratel offers services in several integrated areas.  All work is original.  Boilerplate solutions are never used.
Holding your mouse pointer over the bullet will provide you with some basic information on each area.

Estate planning addresses the handling of your assets while you are alive -- and after death -- to ensure that the maximum value is realized.  Estate Planning

Ensuring that you can achieve your financial goals and objectives not only while working but also after retirement -- however you define it.  Retirement Planning/Wealth Management

Maintaining the integrity and value of the business as it transitions from one generation to the next or even outside of the family.  Business Succession

Paying for your loved one's higher education should not place you in the poor house. Proper planning can help ensure sufficient resources are available when needed.  Education (College) Planning

The basis of any Financial Plan, it is imperative to understand where your are today in terms of assets, liabilities, income and expenses. Only with this understanding can we proceed with the other avenues of the planning process.  Cash Flow/Budgeting

All components of a Financial Plan have a tax impact. The impact on your taxes is reflected in the recommendations contained in the plan   Tax Planning

The best laid plans are subject to derailment from unforseen events. Insurance planning minimzes the financial impact of dealing with the unexpected. Other types of insurance are only considered from a cash flow perspective.  Insurance Planning (Life, Disability, Long-Term Care)

Number one on most people's mind, all Caratel clients receive an individualized portfolio that will allow their monies to obtain the maximum return at the lowest level of risk possible.  Portfolio Construction & Investment Selection

As time progresses you change as does the market. Caratel's individually written informative Quarterly Reports detail the performance of your portfolio compared to its original design. The report serves as the basis for any changes recommended.  Ongoing Portfolio Review and Monitoring

Caratel's ongoing and quarterly reporting help ensure that you remain on track to achieving your stated goals and objectives. However, over time those goals and objectives will likely be modified. Annual updates are comprehensive exams to evaluate these modifications and revise your existing plan and portfolio as necessary.   Annual Financial Plan and Portfolio Updates

More basic financial services with a personal touch including personal representation, bill paying, and account reconciliation.  Family Office Services

Every situation is unique and treated as such. This category allows Caratel to uses its significant resources and expertise to address your individual financial concerns.  Other

Caratel works with you, the client, to review your current financial situation as well as your goals, objectives and time horizon. Over the course of several meetings and conversations a financial plan is developed. This plan includes a review of your current situation as well as a number of specific recommendations to help ensure that your goals are achieved.

Next, we continue to work with you to implement the financial plan. Among other services offered, Caratel constructs an efficient investment portfolio that equates your risk/return criteria and the financial plan. We then monitor the performance of the portfolio, as well as the financial plan, to ensure you remain "on track."

When necessary, third party experts (e.g., accountants and attorneys) are consulted to aid in the implementation of the agreed upon strategy.

Long term relationships with all clients are desired. Caratel does not simply make recommendations; We continually work with you to answer any financial questions or concerns you may have. You are encouraged to communicate with Caratel whenever you feel the need.

Caratel offers a no-cost initial consultation so that you may obtain answers to your questions and learn how Caratel would handle your situation. At the conclusion of this meeting you will know exactly what services Caratel recommends and their cost.