Our Financial Planning Philosophy
Financial advice is nothing without integrity. Our philosophy provides the foundation for all of the work that we carry out, and means that we strive to provide the best service to our clients.
Our priority is you: At Charles Carroll Financial Partners we believe that every client is unique. We are committed to providing personalized financial planning on your path towards Financial Independence.
We will work with you to establish financial goals, and a then help craft a plan to achieve them.
Intelligent investing: When we are asked to manage client assets we use individual stocks and individual bonds as our primary investment securities. Why? Individual stocks and bonds do not carry the management fees that are found in mutual funds. Over time these management fees can reduce the total return for clients. It is our responsibility to provide clients with cost effective investments that employ more of their hard earned capital and therefore potentially improve their overall return.
Our investment management model uses two primary financial factors in determining our investment buy list.
We will filter a universe of thousands of equities to find those equities that have been able to consistently improve earnings per share, and cash flow per share, over many consecutive years.
We then employ an intrinsic value model to further define those securities that meet our criteria for investment.
We utilize ETFs sparingly. Our experience leads us to treat ETFs with caution as their high liquidity can be a major impediment to understanding fair value for the investment. Their frequent use by major investment funds can potentially cause extreme price volatility that could lead to poor investment performance.
Communication is key: We’re committed to delivering a full financial plan to all of our investment management clients. The Financial Plan sets expectations of value and targeted time frames so that expectations are set and dialog can be held surrounding actual results versus goals.
Our client Web Portal allows for quick access to your account information so that you can always keep track of your finances.
Expert advice: Principals Mark Charles Hayes and Carroll W. Hayes bring their experience in the financial and legal professions to the table with every client of the firm.
Let us be your trusted financial advisors
Contact us today at (855) 585-3600.