Carter Financial provides financial planning, portfolio management for individuals and small businesses, education planning, estate planning, insurance, philanthropic planning, and tax planning.
Carter Financial reports 177 clients. They include 106 high-net-worth individuals and 71 individual clients. Of its assets, 100.0% ($282M across 489 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 40% | 5% |
| High-net-worth individuals | 60% | 94% |
| Corporations and other businesses | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 71 | $14.4M | 5.1% | $203K |
| High-net-worth individuals | 106 | $267M | 94.4% | $2.51M |
| Corporations and other businesses | Fewer than 5 | $1.34M | 0.5% | — |
| Total | 177 | $282M | 100% | — |
- Clients
- 71
- Regulatory AUM
- $14.4M
- AUM share
- 5.1%
- Avg. per client
- $203K
- Clients
- 106
- Regulatory AUM
- $267M
- AUM share
- 94.4%
- Avg. per client
- $2.51M
- Clients
- Fewer than 5
- Regulatory AUM
- $1.34M
- AUM share
- 0.5%
- Avg. per client
- —
Total
- Clients
- 177
- Regulatory AUM
- $282M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Carter Financial charges up to 1.20% a year for its Asset Management. The fee is billed in arrears, is negotiable and requires an account of at least $500,000. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning
- Financial planning is billed hourly at up to $350 an hour, or as a flat fee from $1,500 to $5,000.
Christina Hammann owns 75% or more of Carter Financial. The leadership team of Carter Financial includes Chief Compliance Officer Christina Hammann. It has 3 employees.
Leadership
- Christina HammannChief Compliance Officer
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
- Christina Michelle Hammann
- Heather Quintero
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- Owns 75% or more of Carter Financial, LLC
Christina Hammann
Control person · since August 2019
Carter Financial’s regulatory assets grew from $212M (March 2021) to $282M (July 2026); clients fell from 193 to 177 and employees were 3 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| July 2026 | $282M | 177 | 3 | 1 |
| March 2025 | $252M | 160 | 3 | 1 |
| May 2024 | $223M | 174 | 3 | 1 |
| March 2023 | $191M | 180 | 3 | 1 |
| March 2022 | $239M | 188 | 3 | 1 |
| March 2021 | $212M | 193 | 3 | 1 |
Besides its headquarters, Carter Financial has 0 offices, with 1 listed address in California.
California · 1 listed address
- 4225 Executive Square, Suite 1030, La JollaHQ
Contact and registration details
- Legal name
- Carter Financial, LLC
- Headquarters
- 4225 Executive Square, Suite 1030, La Jolla, CA 92037
- Website
- carterfinancialllc.com
- Phone
- 858-678-0579
- SEC file
- 801-117265
- Founded
- 2018
- Structure
- California LLC
- Fiscal year end
- December
Carter Financial uses Charles Schwab ($282M) as custodian for its separately managed accounts. Carter Financial has custody of $166M in client assets for 129 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Omaha, NE · $282M100%
At year end, Carter Financial’s separately managed accounts were mostly in funds (55%) and stocks (44%). Its reported 13F holdings for the quarter ended 30 June 2026 total $133M across 33 positions; the largest are Vanguard Index Fds (24.9%), Vanguard Index Fds (20.7%) and Capital Group Dividend Value (15.1%).
What the accounts hold
- Stocks44%
- Funds55%
- Cash1%
Reported 13F holdings
- $133M
- Reported 13F value
- 33
- Positions
- 90.8%
- In the 10 largest
- +16.0%
- Value vs. prior quarter
- Vanguard Index Fds · Growth ETF24.9%
- Vanguard Index Fds · Total Stk Mkt20.7%
- Capital Group Dividend Value · Shs Creat Unit15.1%
- First TR Exchange-traded FD · Fst Low Oppt Eft10.1%
- Vanguard Index Fds · Value ETF8.5%
- Vanguard Index Fds · Small CP ETF4.9%
- Vanguard Index Fds · Real Estate ETF2.1%
- Vanguard Index Fds · S&P 500 ETF Shs1.6%
- J P Morgan Exchange Traded F · Ultra Sht Muncpl1.5%
- J P Morgan Exchange Traded F · Municipal ETF1.2%
Together, the ten largest are 90.8% of reported value.
How many clients does Carter Financial have?
Carter Financial has 177 clients and manages $282 million for them, as of July 2026. They include 106 high-net-worth individuals and 71 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 8 July 2026
What services does Carter Financial offer?
Carter Financial provides financial planning, portfolio management for individuals and small businesses, education planning, estate planning, insurance, philanthropic planning, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Carter Financial charge?
Carter Financial charges up to 1.20% a year for its Asset Management. The fee is billed in arrears, is negotiable and requires an account of at least $500,000.
Which custodians does Carter Financial use?
Carter Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Omaha, NE), with $282M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 8 July 2026
How many financial advisors does Carter Financial have?
Carter Financial has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Carter Financial invest in?
At the end of its last fiscal year, Carter Financial’s separately managed accounts held 55% registered funds (mutual funds, ETFs, BDCs), 44% exchange-traded equities and 1% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Carter Financial have a minimum investment?
Yes, Carter Financial’s minimum account size for its Asset Management is $500K.
Who owns Carter Financial?
Carter Financial’s direct owner is Christina Hammann (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 8 July 2026
How does Carter Financial get paid?
Carter Financial is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Carter Financial registered with the SEC?
Yes, Carter Financial has been registered with the SEC as an investment adviser since 29 August 2019. Its CRD number is 298327 and its SEC file number is 801-117265.
Source: Form ADV Part 1A, Item 1, filed 8 July 2026; IAPD firm record
How do I contact Carter Financial?
Carter Financial’s main office is at 4225 Executive Square, Suite 1030, La Jolla, CA 92037. Its phone number is 858-678-0579. Its website is carterfinancialllc.com.