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The fee is billed in advance and is negotiable.","source":"CARTER FINANCIAL GROUP ADV PART 2A, filed 5 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Carter Financial Group use?","answer":"Carter Financial Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $317M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 5 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Carter Financial Group have?","answer":"Carter Financial Group has 6 investment adviser representatives registered with state securities authorities, out of 9 employees, and 6 perform investment advisory functions. 2 employees are registered representatives of a broker-dealer and 6 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Carter Financial Group invest in?","answer":"At the end of its last fiscal year, Carter Financial Group’s separately managed accounts held 65% registered funds (mutual funds, ETFs, BDCs), 27% exchange-traded equities, 5% cash and equivalents, 3% other and 1% investment grade corporate bonds. 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