Carter Financial, LLC fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed July 8, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$350/hr

“The maximum hourly fee to be charged will not exceed $350.”

Flat or project fee

$1,500⁠-⁠$5,000

“Flat fees range from $1,500 to $5,000.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Carter Financial, LLC bills

Payment and refund terms, quoted from the fee section of the brochure.

• “Fees to be assessed will be outlined in the advisory agreement to be signed by the client and are negotiable.”
• “Annualized fees are billed on a pro-rata basis monthly in arrears based on the value of the account(s) on the time-weighted daily average of the month.”
• “However, due to certain product limitations, our firm assesses fees to certain fixed and/or variable annuities quarterly in arrears based on the value of the relevant account on the last day of the quarter.”

How Carter Financial, LLC’s fees compare

• Its hourly rate of $350 is above the California median of $300. 58% of the 932 other California planners that publish an hourly rate charge less.
• 4 of the 7 other planners in La Jolla that publish an hourly rate charge less.
• Its flat or project fee of $1,500-$5,000 is below the California median of $5,000. 36% of the 796 other California planners that publish a flat or project fee charge less.
• 1 of the 5 other planners in La Jolla that publish a flat or project fee charge less.

About Carter Financial, LLC

• Firm size: 3 employees.
• Registered as an adviser: 2019 (7 years).

Firm details from Form ADV

How the firm is paid

Fixed or flat fees, percentage of assets under management

Charges a % of assets

Yes

Clients

177

Employees

3

Works with

Individuals and high net worth individuals

Services reported to regulators

Financial planning and portfolio management for individuals and small businesses

Assets managed

$282,293,248

Registered with

U.S. Securities and Exchange Commission

Disciplinary disclosures

None reported

SEC CRD number

298327

Website

linkedin.com/public-profile/in/steve-carter-8881649b (opens in new tab)

Phone

(858) 678-0579

Can advise clients in 3 states: California, Colorado, Texas

Other planners in La Jolla that publish fees

• Canter WealthLa Jolla$7,500⁠-⁠$20,000, $1,875/qtr
• Castle Coast Wealth, LLCLa Jolla$500/hr, $50,000/yr
• Coastwise Capital Group, LLCLa Jolla$250/hr
• Financial Alternatives, Inc.La Jolla$300/hr
• Hamilton Manor & AssociatesLa Jolla$250/hr, $200⁠-⁠$15,000
• Holland Strategic Wealth Advisors LLCLa Jolla$400/hr, Up to $5,000

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