As the Founder & Chief Executive Officer of Financial Guidance Group, Carl takes his role as a fiduciary fee-only Advisor seriously by providing unbiased wealth planning and investment management advice. Helping people attain and manage their financial goals is Carl’s passion and mission. Navigating the complexities of the financial markets can be a daunting task to most people. That’s why having a knowledgeable professional on your side who has no industry or product affiliations will assure you of getting objective financial advice. Carl helps his clients avoid major financial mistakes by simplifying and organizing their financial lives and providing them peace of mind through the professional management of their finances.
Carl has more than 40 years of experience in the wealth planning and investment management field. He has been a fee-only planner since 1995, one of the first in the Tampa Bay area. He believes there are inherent conflicts of interest when a planner stands to gain financially from the products he recommends. Caveat emptor(buyer beware) Advisors calling themselves fee-based can receive fees paid by you, commissions, or revenue sharing arrangements on the products they sell.
Carl has received numerous prestigious industry designations. They include: CERTIFIED FINANCIAL PLANNER™ (CFP®) professional, from the College for Financial Planning in Denver, Colorado; Accredited Investment Fiduciary® (AIF®), from the Center for Fiduciary Studies, Joseph M. Katz Graduate School of Business, University of Pittsburgh; and is a NAPFA-Registered Financial Advisor™ awarded by the National Association of Personal Financial Advisors (NAPFA™), the nation’s premier organization of comprehensive fee-only planners. Earning those designations required meeting stringent education, examination, and experience requirements. Keeping the designations demands adhering to a strict code of ethics and maintaining a vigorous program of ongoing continuing education. NAPFA™ requires their members to receive double the number of continuing education credits than required by the CFP Board of Standards. He is also a graduate of St. Petersburg College with an A.A. degree in business.
Other financial professionals rely on Carl’s knowledge and experience. He has served as an expert witness in financial mediations and has acted as an industry arbitrator for the Financial Industry Regulatory Authority (FINRA). He also works closely with several local certified public accounting firms, providing financial advice and investment management expertise to their clientele.
Carl and his family are life-long residents of the Tampa Bay area. When he is not working, Carl enjoys spending time with his wife of 45 years, Cindy, their grandchildren Aubrey Mae, Adelie Kate, Jakob Axel, Jaxen Isaak & Alice Adele.