Bill Carter, CFP®, CLU®, ChFC®

CEO, Carter Financial Management

Professional

Bill Carter founded Carter Financial Management in 1976. The firm has grown to include a full suite of experienced financial planning professionals managing over $1 billion in assets. Dedicated to client service and professional excellence, Bill puts his deep knowledge of tax, investment and estate planning to work in helping clients define and reach their financial and life goals.

In addition to building his company into a financial planning thought leader, Bill has been instrumental in defining the practice and national professional standards of personal financial planning. He has served as Chairman of the Certified Financial Planner Board of Standards (CFPB), the International Association of Financial Planning (IAFP), and the Foundation for Financial Planning (FFP).

Bill has been quoted in publications including The New York Times, Money Magazine, USA Today, The Wall Street Journal and The Dallas Morning News, among others. He has also been interviewed on numerous television and radio programs.

Service

One of CFM’s core values is a commitment to serving clients, peers and the community. As a dedicated and active Texas A&M alumnus, Bill leads by example. Carter (’69) is a past president of the Association of Former Students and past chairman of the Board of Trustees of the Texas A&M Foundation. He has also served on the boards of Aggie organizations including A&M’s Private Enterprise Research Center, The Press Advancement Board, the President’s Council Executive Committee, and the 12th Man Foundation. In the Dallas area, Bill has served on the boards of Children’s Medical Center of Dallas, Baylor University Medical Center, and The Senior Source.

Awards

Carter Financial Management has been named to D Magazine’s list of Top Wealth Managers in Dallas every year since 2015 ¹. Bill was also been included on the 2021 Forbes Best-In-State Wealth Advisors list ². He was inducted into the Texas A&M University Cadet Hall of Honor in 2009 and was named Texas A&M University College of Agriculture and Life Sciences Outstanding Alumnus in 2011. He was also selected as a recipient of the highest honor bestowed upon a former student of Texas A&M University, the Distinguished Alumnus Award, for his professional achievement and service to the university.

Education

Bill earned a Bachelor of Science in Agricultural Economics from Texas A&M University, where he was student body president and a distinguished military graduate.

Personal

Bill and his wife, Fran, split their time between Dallas, College Station and the family homestead in Decatur, Texas. They enjoy the arts, traveling, fishing, supporting Texas A&M athletics, and spending time with their rescued dogs and cats.

^1. D Magazine Top Wealth Manager – D Magazine asked every wealth management firm and team in the Dallas-Fort Worth chapter of the Financial Planning Association, the Chartered Financial Analyst Institute, and the Investments & Wealth Institute to describe their practices. The final list was selected based on these criteria: top firms must have total assets under management for individual clients of at least $100 million; average assets under management per client of at least $1 million; a 95 percent client retention rate over the last two years; and no current disciplinary actions. Additionally, all firms must have been in existence for at least five years as of the application deadline (June 2021). They must also hold themselves out as fiduciaries for their clients and provide them with written disclosure. A panel of esteemed local wealth managers reviewed the final list. All numbers are current as of the application deadline. Out of the 58 that applied, 36 firms and teams were selected. Neither the firms nor their employees pay a fee to D Magazine in exchange for inclusion in the list. Inclusion on the list is no guarantee as to future investment success. The inclusion of a practice on the list should not be construed as an endorsement of the financial advisory practice by D Magazine. Raymond James is not affiliated with or D Magazine or any of the above-mentioned organizations.

^2.Data provided by SHOOK® Research, LLC. Data as of 6/30/21. Forbes Best-in-State Wealth Advisors ranking was developed by SHOOK Research and is based on in-person, virtual, and telephone due diligence meetings to measure best practices; also considered are: client retention, industry experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as: assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. SHOOK’s research and rankings provide opinions intended to help investors choose the right financial advisor and are not indicative of future performance or representative of any one client’s experience. Past performance is not an indication of future results. 34,925 nominations were received, and over 5000 advisors were selected in total. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking. For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for any of these awards/ratings. Raymond James is not affiliated with Forbes or Shook Research, LLC.

Bill Carter, CFP®, CLU®, ChFC®

CEO, Carter Financial Management

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