Carolina Financial Services Group

Carolina Financial Services Group is a trusted financial advisory firm dedicated to helping our clients grow and protect their retirement savings. With an emphasis on risk management, we design customized plans that provide a reliable and guaranteed source of income for our pre-retirees and retired clients, ensuring certainty and peace of mind during their retirement years. Our goal is to help you build a bridge from your current financial situation to the retirement you desire, by addressing the risks you may face and creating a comprehensive plan that makes the most of your retirement assets.

Our Services

*401k Confidence*: Most people rely on their 401k as their primary retirement savings vehicle. While employers provide general education about 401k plans, they rarely offer personalized advice on which funds to choose. As a result, 93% of plan participants do not receive individualized help, leaving them vulnerable to making uninformed decisions that may not align with their financial goals. We help our clients make the most of their 401k accounts by offering personalized management services tailored to each individual's unique needs and goals.

*Fixed Index Annuities*: These financial products provide a guaranteed income stream for a specified period or for life, based on the performance of a stock market index. They offer a unique balance of safety, growth potential, and guaranteed income, making them an attractive option for retirees who want to protect their savings from market volatility.

*Lending*: We offer various lending solutions to help our clients manage their cash flow during retirement. Our lending services include reverse mortgages, personal loans, and investment property loans.

*Maps for Life*: Our Maps for Life program helps our clients visualize their retirement journey and understand the steps needed to reach their financial goals. It provides a clear and comprehensive roadmap that includes milestones, potential roadblocks, and strategies for success.

*Medicare*: Navigating the Medicare system can be overwhelming and confusing. We help our clients make informed decisions about their Medicare coverage by explaining their options and guiding them through the enrollment process.

*Portfolio Management*: Our portfolio management services are designed to help our clients achieve their investment goals while managing risk. We use advanced financial tools to analyze our clients' portfolios and make strategic recommendations based on their unique circumstances.

*Social Security Strategy Session*: Social Security benefits play a significant role in most retirees' income streams. However, deciding when and how to claim these benefits can be complex and may have long-term consequences. Our Social Security Strategy Session helps our clients make informed decisions about when and how to claim their benefits, maximizing their lifetime payout.

*Tax-Free Retirement*: Our tax-free retirement strategies help our clients minimize their tax liability during retirement, maximizing their retirement savings and income.

Our Commitment

At Carolina Financial Services Group, we are committed to providing our clients with personalized, comprehensive financial advice that is tailored to their unique needs and goals. We use advanced financial tools and technology to analyze our clients' financial situations and create customized plans that help them achieve their retirement dreams. With over 25 years of experience developing and refining our clients' investment strategies, we have the expertise and knowledge to help you grow and protect your retirement savings.

As a local, independent advisory firm, we are dedicated to serving the financial needs of our clients in Greenville, NC and the surrounding areas of Eastern North Carolina. We are committed to employing the latest technology to make things more convenient for our clients and manage their investments in the most efficient way possible. We are solely owned by Michael Owens, a North Carolina native, which means that our clients can count on receiving personalized attention and advice from someone who understands their unique financial needs and goals.