Carlton Financial Services Inc.

Welcome to Our Web Site

OUR MISSION

Our mission is to assist our clients with the creation and implementation of a financial plan that helps them achieve their financial, spiritual and life goals.

YOUR NEEDS FIRST

When you're faced with important financial decisions that impact your future, you need sound financial advice from a source you can trust.  You need a relationship with a firm that promises to always put your needs first.  You need someone who understands what's most important to you.

When you work with Carlton Financial Service, Inc., you benefit by having access to comprehensive advice from a highly qualified and experienced financial professional.  For over 18 years, Rick Carlton has helped his clients implement financial solutions to address life's most important events such as saving for a comfortable and satisfying retirement, managing money during retirement to last for a lifetime, funding your children or grandchildren's college education, protecting your loved ones in case of death, disability or a long term illness, and any other life-goals you hope to achieve.

We'll get to know you, and learn about your goals and aspirations; and we'll tailor our advice specifically to those needs.  Because we're independent, we're able to offer you choices from a variety of financial products best suited to your goals.  Our independence allows us to focus on accomplishing YOUR goals, always ensuring the actions we take are in YOUR best interest.
Market Watch

January 28, 2012 @ 02:03 AM

Dow Jones Industrials 12,660.46- 74.17
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10 Year Treasury Note 1.90- 0.03

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Newsletters

Insurance for Two Could Benefit Your Heirs

Survivorship life insurance offers a way to help a couple's heirs pay estate taxes, probate costs, and other final expenses — and could be especially important after 2012 when the federal estate tax is scheduled to be significantly higher. Even if the estate tax doesn't apply to an estate, the insurance proceeds could benefit heirs or a favorite charity.

When Key Players Can't Work

If a company is a two-owner business or its success relies on a few key players, key-person life or disability insurance could possibly offset the risk that the premature disability or death of a major contributor could ruin its future prospects.

Settling on a Salary

As a company's profit situation improves, business owners may be in a position to decide whether to take home a larger salary or use more of the proceeds to invest for the future. This article discusses the possibility of choosing a business-owner salary that allows for other benefits, such as building the business, saving more for retirement, and adding employee benefits.

Using Living Benefits for Retirement Income

Many Americans are finding it difficult to predict how much they can save by retirement. Because traditional pensions are available to just one out of three workers today, a potential way of creating a guaranteed income stream in retirement is to purchase the guaranteed living benefits that are available with some variable annuities.

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Calculators

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

Net Worth

A balance sheet summarizes your assets and liabilities and reveals your net worth.

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

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