Craig Carroll

Prior to joining Cowealth Advisors and Raymond James in 2024, I spent five years as financial advisor. I believe in the importance of truly understanding you, your family and what matters most to you. Hailing from Tyrone, I’ve always valued community and family deeply. My wife, Emily, and I have shared a journey since high school, marrying after college, and now live in Fayette County with our two boys, Whitley and Levi. We cherish our family time, often traveling and exploring the world together. Just as my family is my priority, I am committed to partnering with you to help preserve your family’s financial future.

Together, we can create a personalized plan to help you pursue your financial aspirations. Whether you’re planning for retirement, saving for your children’s or grandchildren’s education, or seeking to preserve your loved ones financial future, we will work collaboratively to develop and implement strategies tailored to your distinct goals.

With over half a decade of experience in the financial industry, I am proud to hold both the CERTIFIED FINANCIAL PLANNER® and Accredited Asset Management Specialist™ designations. Before joining Raymond James, I honed my skills in various capacities, providing financial planning, investment management, wealth management and risk mitigation services. My team and I are dedicated to helping families, individual investors and business owners craft and execute comprehensive financial strategies.

Our team’s areas of focus are:

Retirement Strategies

• Retirement Planning: We offer a detailed approach to retirement planning, providing comprehensive reports to help you make informed decisions.
• Portfolio Construction and Asset Allocation: Our team creates and manages diversified portfolios tailored to your risk tolerance and financial goals.
• Risk Tolerance Review: We assess your risk tolerance to help ensure your investments align with your comfort level and financial objectives.
• Income Strategies: We develop strategies with a goal to generate a reliable income stream during retirement, helping you maintain your desired lifestyle.

Investments

• Investment Management: We provide personalized investment management services, selecting and reviewing investments to help meet your financial goals.
• Diversification: Our approach is designed to ensure your portfolio is well-diversified across asset classes to mitigate risk.
• Market Analysis: We keep you informed about market trends and provide insights to help you make strategic investment decisions.

Life Insurance

• Policy Selection: We help you choose the right life insurance policy to protect your loved ones and work towards your financial needs.
• Coverage Assessment: We assess your current coverage and recommend adjustments to help ensure adequate protection.
• Estate Planning: Life insurance plays a crucial role in estate planning, helping to cover estate taxes and provide for beneficiaries.

Generational Planning

• Wealth Transfer Strategies: We develop strategies to transfer wealth to the next generation while aiming to mitigate taxes and preserve family harmony.
• Trust and Estate Planning: Our team assists with setting up trusts and other estate planning tools to preserve your assets and help ensure your wishes are carried out.
• Education Funding: We help plan for educational expenses for your children and grandchildren through tax-advantaged savings plans.
• Philanthropic Planning: If charitable giving is important to you, we can help you incorporate philanthropy into your generational planning.

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

Insurance and annuities offered through Raymond James Insurance Group. Raymond James & Associates, Inc., and Raymond James Financial Services, Inc. are affiliated with Raymond James Insurance Group.

These policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company.

Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.