Board Member

Ross Kirwan - Financial Advisor in Charlotte, NC | WiserAdvisor.com

We guide our clients through an ongoing process that clarifies their financial goals and encourages the implementation of strategies designed to pursue them. We get to know our clients and their challenges on an intimate level, so we can help them identify areas of potential risk and opportunity. Our goal is to simplify financial decisions, making them easy for clients to understand and approach with confidence. Our clients entrust us to help plan their financial future because were attentive, engaged and experienced.

Carnegie Private Wealth

Business owners face a world of challenges and opportunities as they seek to grow their business with an eye toward the future and an eventual exit. We guide our clients through every stage of the process and ensure that their personal financial life is as healthy as their business. From managing cash flow, taxes, and debt to family dynamics and exit strategies, it is essential to have a consolidated view of their financial life that combines both business and personal.

Life is always changing, and transitions come planned and unplanned. We help to prepare and guide clients through critical events like retirement, moving, illness, career changes, marriages, having children and grandchildren, and eventually transferring wealth to the next generation.

A Focus on Risk Management. While many asset managers will tell you they focus on risk management, they often cannot articulate how they address the wide variety of risks that investors face: market risk, liquidity risk, inflation risk, concentration risk, tax risk, longevity risk, interest rate risk, behavior risk and underperformance risk to name a few. Only a comprehensive financial planning process combined with a data-driven investment process can address all of these risks and lead investors to the right portfolio to pursue their unique goals.

No financial plan is complete without stress-testing it against the what if situations of life that could
undermine or derail it. In this step, we assess insurance needs, evaluate coverage and identify areas of risk
exposure. The goal is to ensure the integrity and stability of a clients plan regardless of what life might throw
at them.

Estate Planning begins with helping a client to understand how their current estate plan works and identifying areas for improvement. From the basics to the advanced, we educate our clients on key concepts before developing their customized plan. If updates are necessary, we will then coordinate with our clients attorney to execute the plan and follow the process through to completion.

We utilize Holistiplan. This tool simplifies tax planning. Through automation, this tool analyzes tax returns to identify opportunities for tax optimization. This translates into potential savings and improved tax efficiency
within an investment strategy.

At Carnegie, we believe in creating multiple pathways for clients to access our services. This is why we
do not have established account or relationship minimumswe do not believe in them. If a client wants
and needs the planning services that we provide, we believe that they should be able to benefit from
what we do regardless of their current situation.

Ross, Kirwan

Carnegie Private Wealth

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