Carl is a seasoned financial services professional with extensive experience, serving as a Certified College Funding Specialist, co-founder of CCWS, retirement income specialist, and estate planner. Throughout his career, he has helped hundreds of families navigate the complexities of financial solutions. Carl is dedicated to educating individuals, families, and business owners on effective strategies for funding college, building retirement income, and preserving wealth through comprehensive estate and tax planning.

Collaborating closely with Certified Public Accountants (CPAs) and other financial professionals, Carl develops customized solutions that focus on two core areas:

College Planning Solutions

• Personalized Funding Plans: Carl creates tailored funding strategies that balance tuition goals with long-term financial objectives, ensuring families can pursue their educational aspirations without financial strain.
• Cost Reduction Strategies: He helps families reduce the cost of higher education by maximizing available discounts and financial aid opportunities while avoiding debt, all without sacrificing their retirement goals.

Wealth Solutions

• Tailored Retirement Income Plans: Carl designs retirement income strategies specifically crafted to sustain lifestyle goals, providing clients with the financial security they need in their later years.
• Comprehensive Estate and Tax Strategies: His expertise includes developing plans that minimize tax liability and protect assets, ensuring families’ wealth is preserved for future generations.
• Insurance and Investment Solutions: Carl offers a range of financial products, including life insurance (with living benefits), disability coverage, long-term care plans, annuities, and mutual fund portfolios to meet diverse client needs.

Carl’s collaborative approach guarantees that each financial plan addresses multiple needs, whether it involves reducing college costs, preserving assets, or mitigating tax exposure. Carl has a unique ability to turn complex situations into clear concise plans that clients can easily understand. His commitment to a holistic view of financial solutions ensures that his clients receive well-rounded support in reaching their financial goals.

Outside of his professional life, Carl is an avid hockey fan and has a passion for officiating the sport. He serves as an on-ice referee for USA Hockey and the National Ice Hockey Officials Association and has been an NHL off-ice official since 2001. Carl and his wife, Kristin, are proud parents to their children, Emily and Ryan, sharing a love for the game and the joys of family life.