An SEC-registered fiduciary investment adviser (CRD #127344). Thirty years of independent practice — serving individuals, families, and business owners navigating significant financial decisions.
Pressures
The Framework
Behind Every Decision.
Built Different.
On Purpose.
We are not a big-box advisory firm. We're an independent fiduciary with the tools, discipline, and conviction of an institutional manager — focused entirely on you.
The Fiduciary Difference
As an SEC-registered investment adviser, we are held to a fiduciary standard — a legal obligation to prioritize your interests in every recommendation we make. That standard does not bend. Material conflicts of interest are disclosed in our Form ADV, available upon request.
Institutional Process
Macro-first analysis, proprietary quality screening, and confluence-driven entries — the same disciplined framework used by the world's most sophisticated investors.
In It for the Long Term
In our experience, the decisions that matter most — a business exit, an inheritance, a retirement transition — unfold over years. We work that way too.
Not a Model Portfolio.
A Conviction.
Every Decision Starts with the Macro
We identify the current economic regime through our proprietary Market Pulse Regimes℠ framework — tracking Growth, Inflation, Liquidity, and Fed Policy — whether each is accelerating, decelerating, or shifting stance. All four inputs shape regime positioning. The regime determines what gets considered before we ever look at a single stock.
Systematic Daily Scanning
Daily automated analysis across 20 sectors. Each ticker scored on a Confluence model: RSI, distance from 50/200-day moving averages, price momentum, and volume. Oversold setups flagged — not automatic buys. Discipline before conviction.
Avoiding Losers Is Just As Important As Finding Winners
Every candidate runs through a proprietary multi-factor quality screen that computes a "disappointment probability" score. High score = filtered out. We remove losers before they enter the portfolio — not after they become a problem.
All Sectors. No Discrimination.
We deploy across every major sector — Technology, Financials, Healthcare, Energy, Materials, Industrials, Consumer, Communication, Real Estate, Defense, Precious Metals, Agriculture, and Nuclear/AI Power Infrastructure, Digital Assets. The regime determines which sectors get capital. We go where the macro sends us — with hard stops on every position.
The People
Behind the Process.
Every client relationship is personal. That starts with knowing exactly who you're working with.
Thirty years building personalized financial strategies across investments, tax, insurance, and estate planning. Thirty years serving clients across investments, tax, insurance, and estate planning.
11+ years as a Customer Account Manager. Now bringing the same dedication and precision to every client relationship at Carota Wealth Management. Your advocate from day one — and every day after.
Ready to Build
a Real Plan?
No templates. No static allocations. Just a disciplined, fiduciary advisor who takes your financial future as seriously as you do.
We welcome conversations with individuals who are simply asking whether their current arrangement still serves them. Due diligence is not a betrayal — it is sound judgment.