Cartera Investments
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Cartera Investments is a state-registered, fee-only advisory firm that provides individualized investment management and comprehensive financial planning to individual and high-net-worth clients, and it also works with some pre-retirement clients. The firm recommends diversified portfolios composed of mutual funds, ETFs, individual equities, and fixed-income securities, and tailors advice to each client’s risk tolerance, tax situation, and liquidity needs.
Cartera’s investment approach emphasizes asset allocation and fundamental analysis, favoring a mix of active and passive funds alongside select individual bonds and equities, and conducts at least quarterly reviews of accounts. The firm manages relationships on both discretionary and non-discretionary bases and documents client consent for transactions and rebalancing in non-discretionary accounts.
What is noteworthy about Cartera is its operational focus on formal non-discretionary procedures — including documented client approvals and execution of rebalancing only after client consent — a practice that is less common among independent advisors. The firm also maintains a fee-only model, provides scheduled quarterly financial-planning follow-ups with clients, and uses qualified custodians so clients receive statements directly.
Client services
Expertise
Fee options
Financial planning fees up to $2,400 per year invoiced quarterly ($600 per quarter)
Under $250,000+: $2,400 flat fee (no percentage) $250,000 - $500,000: $2,400 plus 0.75% on amount over $250,000 $500,000 - $1,000,000: $4,275 plus 0.65% on amount over $500,000 $1,000,000 - $1,500,000: $7,525 plus 0.5% on amount over $1,000,000 $1,500,000++: $10,000 flat maximum fee
Account minimum: $200,000 Minimum fee: Base fees ranging from $2,400 to $10,000 annually depending on account balance Fee-only: Fee-only advisory services; no commissions earned by the firm
Main office
Media PA
Advisors at this office
1
Most active in
Pennsylvania
Also doing business as
Cartera Investments · Cartera Investments LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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