Butler, TN Office

Carter Financial Group, Inc. is a five‑advisor team managing roughly $382 million for individuals, high‑net‑worth clients, trusts, corporations, and retirement plans. The firm offers discretionary and non‑discretionary investment management, standalone or ongoing financial planning, selection and oversight of third‑party sub‑advisers, and participant‑level retirement account management using held‑away account connections.

Portfolio implementation uses a set of ten proprietary model portfolios that span conservative to aggressive risk profiles and may include mutual funds, ETFs, individual securities, option strategies and digital assets; the firm employs quantitative optimization, technical and statistical analysis and third‑party research to develop recommendations. For trade execution and operations the firm commonly relies on third‑party platforms — including a sub‑adviser platform and an order‑management tool for retirement plan participants — and conducts portfolio reviews at least quarterly.

The brochure discloses several features that distinguish the firm from many team peers: certain advisory personnel are also registered representatives of a broker‑dealer and hold insurance producer licenses and may receive commission compensation for securities and insurance sales, and the firm identifies a sub‑adviser platform fee waiver that could create an incentive to maintain assets with that sub‑adviser. The firm also makes a cash management product available through a third‑party provider, and it documents these arrangements and their potential conflicts of interest in its disclosure.