Envision Retirement LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Envision Retirement advises individual clients—including high-net-worth individuals—and employer-sponsored retirement plans, offering discretionary investment management, comprehensive financial planning, and pension consulting. The firm also provides a Pontera service to manage and implement tax-efficient asset location and opportunistic rebalancing for non-custodied accounts such as 401(k)s and HSAs.
The firm’s investment approach centers on strategic asset allocation as the primary driver of returns, constructing diversified portfolios mainly from no-load mutual funds and ETFs and rebalancing periodically while considering transaction costs and tax implications. Client objectives and constraints are documented through an Investor Profile Questionnaire and portfolios are managed on a discretionary basis consistent with stated risk tolerances and financial plans.
Noteworthy features include the Pontera order-management capability for third-party custody accounts and the disclosure that firm principals are licensed insurance agents who may offer insurance products separately (an activity the brochure reports occupies roughly 3% of their time). The brochure also outlines the firm’s marketing and privacy practices and notes the use of endorsements in advertising, a practice that is uncommon among comparable supported advisers.
Client services
Expertise
Occupation focus
Fee options
$0 - $499,999: 1.50% $500,000 - $999,999: 1.25% $1,000,000+: 1.00%
Minimum fee: Pension Consulting minimum annual fee of $2,250 for plans below $750,000 Fee-only: Advisory fees based on percentage of assets under management as tiered above; fees are negotiable
Main office
430 W Warner Road, Suite 108
Tempe AZ 85284
Advisors at this office
3
Most active in
Arizona · California · Texas
Also doing business as
Desert Horizons Financial, LLC · Envision Retirement 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
Quick links
Advisors at this firm
Christopher C
CFP®, Series 63
Tempe, AZ
Envision Retirement LLC
Christopher Carracedo is a CFP® professional with 12 years of industry experience. He is currently with Envision Retirement LLC and has previously worked at Cambridge Investment Research, Inc. and LPL Financial. Carracedo is also licensed as an independent insurance agent, focusing on disability income services and insurance sales. Envision Retirement LLC advises individual clients and employer-sponsored retirement plans, offering discretionary investment management, financial planning, and pension consulting. The firm emphasizes strategic asset allocation and manages diversified portfolios primarily using no-load mutual funds and ETFs, with services that include tax-efficient asset location and rebalancing for non-custodied accounts.
James D
Series 63, Series 65
Tempe, AZ
Envision Retirement LLC
James Dabbs is a financial advisor at Envision Retirement LLC with 40 years of industry experience. His prior roles include positions at Cambridge Investment Research Advisors, LPL Financial, and founding Desert Horizons Financial, where he remains active. He is also a licensed real estate agent and has worked as an independent insurance agent. Envision Retirement LLC manages discretionary assets for individual investors, including high-net-worth clients, as well as pension and profit-sharing plans. The firm employs a strategic asset allocation approach, primarily investing in no-load mutual funds and ETFs, and provides comprehensive financial planning and pension consulting services.
Janaye C
CFA®, Series 66
Tempe, AZ
Envision Retirement LLC
Janaye Carracedo is a CFA® charterholder with five years of industry experience. She has worked at Envision Retirement LLC since 2022 and previously spent eight years at BMO Private Bank. Envision Retirement, LLC manages discretionary portfolios for individual investors, including high-net-worth clients, as well as pension and profit-sharing plans. The firm employs a strategic asset allocation approach with an emphasis on tax-efficient portfolio management and offers financial planning and pension consulting services.
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