Different...Right From The Start
What Makes Us Different? 
To start, Only 7.5.% of advisors have an RICP®*
 Benefits of working with 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, RICP®, CAP®
Investment Advisor & Insurance Professional

 Adam Carey, the CEO of Dantas Financial Planning, also a Certified Retirement Income Professional & Chartered Advisor in Philanthropy, has been in the insurance and financial industry for over 26 years.

Finding fulfillment in helping those close to me  secure solid retirements, has lead to a focused driven practice for assisting those preparing for, entering, and already in retirement.

 

 My love for investing and finance started as a teen, when   in high school, a Financial Planner presented  the stock market  and taught  the basics about investments. I suddenly knew this was my career path. 


In 2001 I graduated with a degree from  Edison State College in business and finance. Then,  earned multiple state insurance license lines of authority including health, life, annuity & variable annuity, long term care, Medicare, and  Property & Casualty.  Following that,  I  passed the exam for earning the professional license -series 65 as an investment advisor, and finally earning the  mark of the RICP®, and CAP® designations from the American College of Financial Services. These collectively all play a major roll in the holistic income planning and the comprehensive retirement plans I design for, and with my clients. 


I feel that true knowledge of all aspects of retirement is crucial for building a solid retirement plan. From when to claim Social Security, to how to guarantee income for life, to protecting from longevity and long-term care, to leaving a legacy for heirs, my plans are detailed and customized for each client. Understanding that everyone’s situation is different, I have spent countless hours researching and studying the various insurance tools, investment strategies,  and latest retirement techniques to make sure my clients get the most out of their financial futures. 


Outside the office I love spending time in the great outdoors with my wife Andreia and our dog Oliver. Whether it's hiking in the crisp cool NC mountains, or walking the warm sunny beaches of FL, the fresh air and family time are a valuable part of my life. We volunteer for many local Charities and non-profit organizations, that assist with helping the homeless, and the elderly,  to helping the beautiful animals of our world. We start every day with meditation for our spiritual growth, and we end every day practicing Yoga for an over all tuneup.  For recreation time, I am a  plant based ultra distance runner, an avid mountain biker, enjoy surfing, love to golf, play soccer, and work out at the gym with my wife. 


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

  • CFP® (Certified Financial Planner):
    Recognized as the “gold standard” for comprehensive financial planning. CFPs must demonstrate competence across investments, retirement, estate planning, tax, insurance, and risk management, plus adhere to a fiduciary duty, ensuring your interests come first. CFP certification requires extensive education, a rigorous exam, and professional experience.
  • 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." 



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 Planning,  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