Different...Right From The Start

About Adam Carey

For more than 25 years, Adam Carey has built his career around helping individuals and families make confident financial decisions and prepare for a successful retirement.

As the founder of Dantas Financial, Adam specializes in working with people who are approaching retirement, transitioning into retirement, or already enjoying their retirement years. His philosophy is simple: retirement planning should be about much more than managing investments. It should bring together income, investments, taxes, Social Security, healthcare, risk management, and estate and legacy planning into one coordinated strategy.

Adam's interest in financial planning began in high school when a financial professional visited his class and introduced him to the stock market and the fundamentals of investing. The experience sparked an interest that ultimately became a lifelong career.

Adam holds a degree in financial planning and has earned the Bucket Plan Certification, along with the Retirement Income Certified Professional® (RICP®) and Chartered Advisor in Philanthropy® (CAP®) designations. He also holds the Series 65 securities license and has extensive experience and licenses in investment management, insurance, annuities, long-term care, Medicare, and retirement income planning.


A Different Approach to Retirement Planning

Adam believes that no two retirements are exactly alike. That's why every financial plan begins with understanding the person behind the numbers—their goals, concerns, family, lifestyle, and the life they envision in retirement.

From determining when to claim Social Security and creating sustainable retirement income to managing investment risk, planning for taxes and healthcare expenses, and preserving a legacy for future generations, Adam takes a comprehensive approach to helping clients prepare for the many decisions retirement can bring.

His goal isn't simply to help clients accumulate more. It's to help them use what they've built to live well, retire confidently, and make the most of the years ahead.

Beyond the Office

Outside of work

 Adam enjoys spending time outdoors with his wife, Andreia, and their dog, Oliver. Whether hiking in the North Carolina mountains or spending time along Florida's beaches, family and the outdoors are an important part of his life.

Adam and Andreia also enjoy supporting charitable and nonprofit organizations serving people and animals in their community. When he's not working with clients, you'll often find Adam running, mountain biking, golfing, playing soccer, surfing, or at the gym.

For Adam, financial planning ultimately comes back to a simple idea: money is a tool for building the life that matters to you.

What Makes Me Different: 


  Benefits of working  with an RICP ®:


• To start, Only 7.5.% of advisors have an RICP®*

• Build a comprehensive retirement income plan that addresses income needs and other financial goals

• Choose your optimal retirement age

• Plan for the risks faced in retirement like the uncertainties of life expectancy, inflation, health status, and investment climate

• Make claiming decisions that maximize Social Security benefits

• Obtain health insurance coverage to supplement Medicare or provide coverage prior to Medicare eligibility

• Prepare for late-life needs including long-term care, and other needs due to physical and mental decline

• Consider ways to improve a plan through taking advantage of tax savings plans and other tax considerations


* Based on 2016 data from the U.S. Department of Labor Statistics and The American College of Financial Services. 

 Benefits of working with a CAP ®:

• Determine: How much do we need for ourselves?
• Assess: How much is enough, in what form,
when, for our heirs?
• Visualize: What will our legacy be? 
• Select: Pick the appropriate tools to set your
plan in motion 
• Partner: Join with appropriate nonprofit
partners to accomplish your goals
• Achieve Lasting Impact: Live your best life,
lead heirs by example, and achieve inspired 
outcomes for the causes you love

 ADAM CAREY, BPC®, RICP®, CAP®

Investment Advisor & Insurance Professional

What is a Fiduciary?
As a Fiduciary our loyalty is always to our clients.

" Investment advisers work directly for clients and must place clients' interests ahead of their own" , according to the Investment Advisers Act of 1940.

"Investment advisers are bound to a fiduciary standard that is regulated by the Securities and Exchange Commission (SEC) or state securities regulators, both of which hold advisors to a fiduciary standard that requires them to put their client's interests above their own.

The act  stipulates that advisers must place their interests below that of their clients. It consists of a duty of loyalty and care. 

It also means advisers must do their best to make sure investment advice is made using accurate and complete information and that the analysis is thorough and as accurate as possible. Avoiding a conflict of interest is important when acting as a fiduciary, which means that advisers must disclose any potential conflicts. Additionally, advisers need to place trades under a "best execution" standard, meaning they must strive to trade securities with the best combination of low cost and efficient execution.


TWO Key reasons to consider working with me:


1. Credential Significance


  • RICP® (Retirement Income Certified Professional):
    Specializes in retirement income planning, longevity risk, and tax-efficient withdrawal strategies. Particularly valuable if your primary concern is turning savings into sustainable retirement income.
  • CAP® (Chartered Advisor in Philanthropy):
    Demonstrates expertise in charitable giving, tax-efficient philanthropy, and integrating giving strategies into wealth management. Valuable if you care about strategic charitable planning in your wealth strategy.

2. Experience

  • 26 years of real-world advisory experience is substantial. This Practical exposure allows the me to navigate market cycles, tax law changes, and complex portfolio and estate scenarios. High experience can often complement certifications.


"Sleep well knowing every facet of your financial life is covered."  Adam Carey



What You Can Expect 

Our Commitment:
To Care About You and Your Financial Life, and Continuing Your Legacy for the next Generation.
Our Promise: To always place your needs first. 

Our Values:

Here at Dantas Financial, we stand firm on the grounds of Integrity. 

We hold strong to the core values of- 

 

  • Treating All People with respect
  • Honoring the Fiduciary code of Ethics
  • Never compromise our Integrity 
  • Get back to you in a timely manner 
  • Being honest with everyone, always.

 

Our Services:   We offer, in house, full retirement planning, Estate planning, Income Planning, Insurance review and recommendations, Investment and Wealth Management. We do it All. We feel that honoring the fiduciary code and  having knowledge in all areas of finance eliminates our conflicts of interest, as well as conflicts arising from multiple advisor's "recommendations". 
Our Transparency:
We don’t hide any costs, anywhere. Our fees are always fully discussed and disclosed up front. No investment commissions. No kickbacks. That’s the way we work. The way we serve our best interests is by recommending what’s best for yours.

Giving Back To Our Communities

We are proud to support charitable organizations in our community on behalf of our clients. Nonprofit organizations provide vital services and assistance to those in need by helping families learn to improve their situations through health and financial education. Some of the charitable organizations we support include:
  • S.M.A.R.T. - Single Moms Asset & Retirement Training
  • Sweet Bear Rescue Farm
  • Brother Wolf Animal Rescue
  • Interfaith Assistance Ministries
  • Habitat for Humanity