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Charting Your Course to Financial Well-Being


Compassionate Planning Backed by Experience

From wealth building to estate planning, our comprehensive services are designed to enrich our clients’ lives by helping them achieve financial freedom.

At Carmichael Financial, LLC, we’re dedicated to providing every client with the individualized attention needed to plan and work toward their financial goals.

It’s not enough to have decades of experience under our belts. It’s combining our 20-plus years in the industry with our passion for putting our clients first that drives our business. Our warm and welcoming associates are here to help you safeguard your financial future.

Who We Work Best With


The reality is, everyone can use a little guidance when it comes to their finances. But our professionals are well-equipped to handle the unique financial needs of those including:


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Your Financial Success Is Our Legacy


Clarifying, Simplifying and Creating Confidence


That’s what we’re all about. We measure our success in the confidence you feel by putting your financial future on track.

Our Vision

Every client should have a clear, cohesive and personalized financial plan. This plan should serve as a roadmap to navigate through life’s transitions while keeping clients on track. It is our goal to make every strategy well-designed, effectively communicated and periodically reviewed for adjustments.

Our Passion

As trusted advisors, we want to make a positive difference in the lives of our clients. Our core value is to always place our client’s needs and interests first. By doing this, we’ve committed to inspiring trust and loyalty in every client we serve.

Our Role

We are held to the fiduciary standard.

Code of Ethics

  • Act in a manner that reflects positivity on the financial planning profession and Certified Financial Planner® certification *
  • Act in the clients best interest
  • Exercise due care
  • Avoid or disclose and manage conflicts of interest
  • Maintain the confidentiality and protect the privacy of client information
  • Act in a manner that reflects positivity on the financial planning profession and Certified Financial Planner® certification *

We’re committed to using integrity in our planning process as we strive to put our client’s needs and interests first. It is our goal to simplify our clients’ lives by providing the financial confidence that comes from putting your financial future on track


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Meet Your Financial Professionals

Michael Carmichael, RFC Photo

Michael Carmichael, RFC

PRESIDENT
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Michael Carmichael, RFC

PRESIDENT


Mike Carmichael, RFC®, CRPS®, founded Carmichael Financial, LLC in 1999 and celebrates 20 years of passion for the Financial Industry, combined with dedication to his client’s future which is the foundation upon which he built the firm. Carmichael Financial, LLC is an independent full-serviced Financial Firm with locations in New Jersey, Arizona and Utah. The firm offers planning services for individuals, families, business owners and executives in the areas of investments, risk management, tax strategies, retirement, long term care and estate and business succession planning.

Mike earned his bachelor’s degree from Northern Arizona University and obtained several designations through the College of Financial Planning, such as Registered Financial Consultant (RFC) and Chartered Retirement Plans Specialist (CRPS) designations. He has had the privilege to lecture at several educational institutions including Utah State University, Stevens-Henager College and Community Colleges. Has served as a member of the Cache County Estate Planning Board.

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Holly Warner Photo

Holly Warner

Operations Manager
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Holly Warner

Operations Manager


In 2012, Holly Warner started in the Utah branch as an administrative assistant. Beginning in 2013, she took over business development responsibilities for all three branch offices. Her main roles include managing all office administrative functions, client meeting preparation and client support. Holly is currently studying for her Series 6 and CRPC

Jessica Mendoza  Photo

Jessica Mendoza

ASSISTANT TO OPERATIONS MANAGER
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Jessica Mendoza

ASSISTANT TO OPERATIONS MANAGER

Jessica Mendoza joined Carmichael Financial, LLC in 2018 as an assistant to the operations manager. Jessica hold an associate degree in Business Management from the University of Phoenix and will provide a high level of customer service and support for existing and new prospective clients. Working out of the Arizona branch office.

Jackie DiMonaco Photo

Jackie DiMonaco

ADMINISTRATIVE MANAGER
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Jackie DiMonaco

ADMINISTRATIVE MANAGER


Jackie joined Carmichael Financial, LLC in 2016 as an administrative assistant. Jackie’s main role includes preparing documents for new and existing investments as well as account updates. She currently works out of the New Jersey branch office.

Brenda Adcock Photo

Brenda Adcock

Administrative Support
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Brenda Adcock

Administrative Support


Brenda Adcock joined Carmichael Financial, LLC in 2018 as administrative support. Her main role includes enhancing client relationships and managing client scheduling. She currently works out of the Arizona branch office.

Liz Carmichael Photo

Liz Carmichael

HUMAN RESOURCES ADMINISTRATOR
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Liz Carmichael

HUMAN RESOURCES ADMINISTRATOR

Liz Carmichael as the title of Human Resources Administrator. Her main role includes 401k Administration and Human Resource to Carmichael Financial, LLC . She currently works out of the Arizona branch office.

Here’s How We’ll Plan for Your Financial Future


Are You Ready to Take Control? We’ll Lead the Way.


Whether you’re the owner of a small business or climbing the corporate ladder, our advisors have designed a process to help set, implement and achieve your personal and financial goals.

We’ll ensure your level of comfortability is met by offering transparent solutions centered around trust and understanding.


The Carmichael Financial Process



Step 1:

Introduction

Before we begin planning, we’ll start by getting to know one another. Help us understand your unique financial needs and goals so we can better prepare our strategies.


Based on our introductory meeting, we’ll research an appropriate set of options for you. During this time we’ll take into account your current financial situation and any goals or expectations outlined previously.

Step 2:

Discovery


Step 3:

Solutions

After we’re confident in the options we’ve found for you, we’ll develop a personalized financial plan designed to help you stay on track and reach your goals.


Once you’re comfortable with the plan we’ve developed, we’ll set your strategy into motion.

Step 4:

Implementation


Step 5:

Ongoing Reviews

We’ll regularly review and update your plan to ensure you’re on track to meet your goals. In addition, we’ll coordinate with your legal and tax advisors as needed.


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Comprehensive Services to Help Fulfill Your Financial Goals


We offer several core services through Voya Financial Advisors including:

 

Retirement Planning

 

Estate Planning

 

Tax Strategies Planning*

  • Income tax fundamentals and calculations
  • Characteristics and income taxation of business entities
  • Income taxation of trusts and estates
  • Cost Basis Reporting & Tracking
  • Tax consequences of the disposition of property
  • Tax reduction/management techniques
  • Passive activity and at-risk rules
  • Tax implications of special circumstances
  • Charitable contributions and deductions
 

Investment Planning

 

Insurance Planning*


*Neither Voya Financial Advisors nor its representatives offer tax or legal advice. Please consult with your tax and legal advisors regarding your individual situation



Why Choose Our Fee-Only Firm?



We’re a Investment Advisory Firm


We Always Act In Our Client’s Best Interest


We’re an Independent Firm


We Offer Our Client’s Choice With No Conflict of Interest


We’re Fee-Based Advisors


Our Fees Are Transparent & Competitive


We’re Experienced


Our Average Advisor Has Over 14 Years’ Experience



Sound good? Let’s Get Started Today


Transparency Is the Key to Trust


As a fee-based firm, we want to be honest in what we offer. That’s why we’re open and transparent when it comes to our services and what we charge.


Our Fees



Base Services

Core Services

Advanced Services 


Financial Plan

Minimum Investment Assets

Base
$250
$125$50,000
Core$1,000$250$500,000
Advanced$2,000$500$1,000,000



Base Services Development fee has no reduction – The Core and Advanced Services Fee has the *Plan development fee reduced by $500 with client authorization to utilize eMoney or Fiserv electronic account date submission

The financial planning fees (fees) described above may increase or decrease depending upon the complexity Of your individualized financial plan or the assets upon Which your financial plan is based. Financial plans are sold pursuant to a Financial Planning Agreement (FPA) between Voya Financial Advisors, Inc. (VFA) and you, the client, pursuant to the terms and conditions contained therein. Please consult the fee listed on the FPA for the fee applicable to your financial plan. In the event Of a discrepancy between the fees listed above and the fee listed on your FPA, the fee listed on your FPA will control.

Resources



Financial Freedom Begins with Education



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Live For Today, Plan For Tomorrow

With locations in New Jersey, Utah and Arizona, we’re ready to help families and individuals like you all over the country put their financial futures on track. Give us a call or send us a message below to get started today!


New Jersey Location

21 Tennent Ave. Englishtown,
NJ 07726

Phone: (732) 792-0698
Fax: (435) 787-2485

Utah Location

142 E Water Street Logan,
UT 84321

Phone: (435) 787-2484
Fax: (435) 787-2485

Arizona Location

3146 N Swan Rd Tucson,
AZ 85712

Phone: (520) 314-3295
Fax: (435) 787-2485

Access Your Accounts & Performance


Important Documents


The following forms allow you to fill in the necessary information from your computer.

These forms contain personal information and therefore must be encrypted/password protected to email back to us. Upon completion, please mail or email (encrypted) a copy to our office in preparation for your upcoming meeting.

Introduction
Meeting





Solutions
Meeting



General
Meeting Forms


Risk Tolerance Questionnaire