If you’re approaching retirement, you’ve likely spent decades saving and investing with the goal of building a solid financial foundation. But now that retirement is within reach, it’s time to ask a critical question: Is your investment strategy built for this next chapter of life? For many people, the answer is no. The reason: a […]
Why Your Working Years Portfolio Could Sabotage Your Retirement Read More »
Being a father is one of life’s greatest responsibilities — and one of its most rewarding roles. From late-night feedings to college graduations, fatherhood is filled with moments that shape a family’s future. But there’s one responsibility that often gets short-changed in the hustle of everyday life: financial and retirement planning. In June, we pause
Why Good Financial and Retirement Planning Is Essential for Fathers Read More »
You’ve worked hard, saved diligently, and now retirement is on the horizon—or already here. The question you’re probably facing right now: How do I turn my hard-earned nest egg into a reliable stream of income? While there’s no one-size-fits-all solution, understanding the most common strategies can help you make informed, confident decisions. Let’s explore the
Turning Savings into Income: Choosing the Right Retirement Strategy Read More »
As the sun shines brighter and vacation season rolls in, summer is the perfect time to not only unwind but also re-evaluate your financial strategy. If you’re nearing retirement, the warmer months can bring clarity, motivation, and the opportunity to make smart adjustments that could enhance your retirement readiness. Here are five timely summer financial
Smart Summer Financial Tips for Investors Nearing Retirement Read More »
For decades, most investors have been taught to focus on growing their portfolios. Accumulate. Grow. Maximize. That works — until it doesn’t. As you near or enter retirement, the strategy that once helped you build wealth may now put it at risk. That’s why for most investors it makes sense, as retirement approaches, to make
7 Facts Investors Over 50 Need to Know About Investing for Income Read More »
If you’ve been told that the stock market is the only way to build wealth for retirement, you’re not alone. For decades, the conventional wisdom has been to invest in growth stocks, ride out the ups and downs, and eventually cash in your nest egg. But there’s a major flaw in that approach, especially when
Do You Need Stocks to Retire? Discover Stock-Free Ways to Generate Retirement Income Read More »
If you’ve been watching the headlines or your account statements lately, you’ve probably noticed that interest rates are higher than they’ve been in years. And if you’re retired or approaching retirement, that’s a big deal. But the real question is: Are you taking full advantage of it? Let’s dive into how today’s rate environment can
Make the Most of Today’s Interest Rates — Before They Change Again Read More »
Most people have a target age for when they’d like to retire, but many worry they may have to work longer to better ensure their financial security. Usually, people worry they haven’t saved enough yet, but that’s only one important factor to consider when deciding the right time to retire. And so, the question becomes:
How to Make Sure You Can Retire When You Want To Read More »
If you’re within 10 years of retirement — or already there — you’ve likely been keeping a close eye on the economy. The market’s recent volatility, sparked by President Trump’s announcement of sweeping tariffs, may feel like déjà vu from a few years back. But this time, the stakes could be even higher, especially if
Are Tariffs a Threat to Your Retirement Plans? Read More »
When it comes to investing for retirement, bonds and bond mutual funds are often considered stable, income-generating options. But while they may seem similar, they function very differently and can have a significant impact on your financial future. Bonds: A Reliable Income Stream A bond is essentially a loan you provide to a corporation or
Bonds and Bond Mutual Funds: What’s the Difference? Read More »
Carter Financial Group is a full-service financial firm dedicated to helping those in the Texas area meet their long-term financial goals. Our team of financial advisors and wealth managers are experienced in helping clients preserve their savings, so they can use it as a source of steady income in retirement.
1509 W Wall Street, Suite #114
Midland, Texas, 79701
Mandee Carter Stearns, President of Carter Financial Group, has been working alongside her father, Dee Carter, running the day-to-day business and learning the ropes of their family business since 2017.
Mandee received her BS in Psychology in 2016 and started her career in the financial industry in 2010 when she started helping in the office. After acquiring her degree, she started working full-time in March 2017 as Dee’s business partner and main Associate Advisor helping clients navigate the intricacies of investing for retirement and overall successful financial planning.
In 2021 and 2023, she was named an Elite Producer with American Equity, amongst other accolades.
In Mandee’s spare time, she likes to go to the gym and spend time with her husband, friends, and family. She is an animal lover and rescuer. In fact, Mandee has 3 rescue dogs, a German shepherd and 2 mixed breeds that she adores! She still enjoys almost all things Psychology related and is constantly researching something. Mandee enjoys meeting new client prospects, speaking with her current clients, but most of all she loves helping people.