Bradenton, FL Office

Carr Financial Group provides investment advisory and financial planning services to individuals, high‑net‑worth clients, trusts, estates, charitable organizations, corporations and retirement plans. The firm offers wealth management, retirement plan consulting, and a separately negotiated family office practice (Lucey Advisory Group), and reports approximately $744 million in discretionary assets under management across a small team of advisors.

The firm’s portfolio approach emphasizes strategic asset allocation implemented primarily through diversified mutual funds and ETFs, with selective use of individual securities, REITs, options, and independent managers when appropriate. Accounts are generally managed on a discretionary basis, monitored on an ongoing basis, and the firm typically recommends Charles Schwab for custody while disclosing receipt of related custodial and practice‑support benefits.

Distinctive disclosures include a detailed family office service offering—covering bill paying, payroll coordination, vendor and contract review, and liaison services with CPAs and attorneys—treated under a separate fee arrangement. The brochure also notes that some investment adviser representatives are licensed insurance agents who may receive separate insurance compensation (including fixed and equity‑indexed annuities) and describes related conflicts such as those arising from rollover recommendations and certain custody arrangements.