Discover original, perceptive content and invaluable advice on our blog, featuring thoughts and insight from our team of financial specialists. Explore how the power of income can transform your retirement journey.

Does Your Retirement Strategy Give You Financial Resilience?

Your financial retirement plan may work great if everything goes accordingly. But, if there’s one great certainty about life, it’s that nothing is certain. Stuff …

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Five Hidden Risks That Can Derail Your Retirement — and How to Avoid Them

Retirement should be a time to enjoy life without constant financial worry. Yet many retirees and those nearing retirement overlook risks that can quietly chip …

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What Retirees and Pre-Retirees Need to Know About Annuities in Today’s Market

June is National Annuity Awareness Month, an effort launched by the insurance industry to promote education about this complex and often misunderstood investment tool. Not …

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Why Your Working Years Portfolio Could Sabotage Your Retirement

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 …

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Why Good Financial and Retirement Planning Is Essential for Fathers

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 …

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Turning Savings into Income: Choosing the Right Retirement Strategy

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 …

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Smart Summer Financial Tips for Investors Nearing Retirement

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. …

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7 Facts Investors Over 50 Need to Know About Investing for Income

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 …

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Do You Need Stocks to Retire? Discover Stock-Free Ways to Generate Retirement Income

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 …

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Make the Most of Today’s Interest Rates — Before They Change Again

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 …

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How to Make Sure You Can Retire When You Want To

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 …

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Are Tariffs a Threat to Your Retirement Plans?

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 …

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Bonds and Bond Mutual Funds: What’s the Difference?

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 …

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How to Deal with Market Uncertainty When Building Your Retirement Income Strategy

If you’re nearing retirement, market uncertainty can stir up a lot of anxiety. The assets you need to start generating retirement income soon could swing …

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5 Tax Tips Retirees Should Know Before April 15

Tax Day — April 15 — is fast approaching. Whether you’ve already filed or are still pulling together your paperwork, this is more than just …

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How Investing for Income Helps Reduce Financial Risk

When it comes to retirement income planning, it’s important to have a strategy with the right priorities. Once you’re nearing retirement age, one of your …

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The True Cost of Underestimating Your Retirement Expenses

Retirement is often painted as a time of relaxation, travel, and newfound freedom – and ideally it should be. However, many retirees face an unexpected …

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You Don’t Need Luck for a Secure Retirement

St. Patrick’s Day is all about celebrating good fortune, but when it comes to retirement, relying on plain luck just isn’t a plan — it’s …

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How to Protect Your Retirement from Market Volatility

Market volatility is inevitable. After all, the markets are driven not by economic fundamentals, but by emotion. When investors are optimistic, the markets can soar. …

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Tackling Tariffs: What Everyday Investors Need to Know

By David J. Scranton, Founder and CEO of Sound Income Group Trade wars, tariffs, and economic negotiations—these words can send the stock market into a …

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Paying Your Bills in Retirement: Smart Strategies for Everyday Investors

As we celebrate Pay Your Bills Week from February 2 to February 8, it’s the perfect time to reflect on the financial challenges many retirees …

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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.

All written content on this site is for informational purposes only. Opinions expressed herein are solely those of Carter Financial Group and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification, and rebalancing do not ensure a profit or help protect against loss in declining markets. All information and ideas should be discussed in detail with your individual advisor prior to implementation. The presence of this website, and the material contained within, shall in no way be construed or interpreted as a solicitation or recommendation for the purchase or sale of any security or investment strategy. In addition, the presence of this website should not be interpreted as a solicitation for Investment Advisory Services to any residents of states where otherwise legally permitted to conduct business. Fee-based financial planning and Investment Advisory Services are offered by Sound Income Strategies, LLC, an SEC Registered Investment Advisory firm. Insurance products are offered through our Affiliate Sound Income Academy LLC.  Carter Financial Group and Sound Income Strategies, LLC are not associated entities. Carter Financial Group is a franchisee of Retirement Income Source®. Retirement Income Source® LLC, Sound Income Strategies LLC, and Sound Income Academy are associated entities. © 2025 Carter Financial
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About Mandee

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.