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Stephanie  Carreras
Signet Financial Management

Tel: 786-742-4942
2255 Glades Road Suite 324A
Boca Raton, FL 33431
Signet Financial Management | Financial Advisor in Boca Raton ,FL

Signature Wealth Solutions For You



About Stephanie  Carreras

Stephanie guides clients through the investment process of wealth management and planning. She focuses on making sure the client has a comprehensive understanding of investing and a comfort level with her as an advisor. She spends the time needed with each client to ensure the relationship is built on trust. She provides ongoing insight to create the best scenario for a client to achieve their financial goals. Stephanie has over 27 years of investment industry experience. Prior to joining Signet Financial Management, LLC in 2016, she worked for TD Ameritrade, iShares, Fisher Investments, and Merrill Lynch. Stephanie has a BA in Economics and Sociology/Anthropology from Colgate University. She enjoys time in Florida with her dogs and traveling. She is a Pack Leader for Broward County Humane Society, and involved with other charities including Paws for You and Toys for Tots.


About Signet Financial Management

Signet Financial Management, LLC was established in 1988. We are a team of driven professionals including Chartered Financial Analyst's (CFA) and Certified Financial Planner's (CFP) with decades of experience. We believe each client deserves their own personal portfolio, custom tailored to their individual requirements. We accomplish this by developing genuine relationships to intimately understand your goals and needs. We custom design portfolios based upon each client's individual risk tolerance and income needs using our own proprietary management strategies. This means our clients own the individual stocks and bonds our research has identified. The result is, we believe, a lower cost, more tax-efficient portfolio. Furthermore, this promotes transparency for clients about every investment decision we make.

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General Information

Firm Start Year:   1988
No.of Employees:   10-19
Name of Custodial Firm:   TD Ameritrade, Charles Schwab
States Licensed in:   All states
Number of Years with Current Firm:   6
Work with the following types of clients:   Individual Investors, Businesses, Investment Clubs, Non-Profit Organizations
Advisory Services Provided:   Financial Planning for Businesses, Financial Planning for Individuals, Education Funding and Planning, Risk Management, Money Management, Wealth Management, Retirement Planning, Portfolio Management, Financial Planning, Estate Planning & Trusts, Investment Advice & Management, Financial Advice & Consulting, 401K Rollovers

Services

Investment Types:   Options & Futures, Mutual Funds, Bonds, Stocks, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
Can meet clients in the following ways:   Video Conference, Via Email, Our Office, Via Phone, Our Offices, Your Home, Your Office

Firm Information

Firm's Number of Clients:   683
Firm's Number of Planning Clients:   51
Firm's Number of Managed Clients:   683
Assets Managed by Firm:   $809,000,000
Advisor's Number of Clients:   140
Advisor's Number of Managed Clients:   140
Advisor's Number of Planning Clients:   140
Assets Managed by Advisor:   $250,000,000

Compensation and Fees

Fee Structure:   Fee-Based
Minimum Portfolio Size for New Managed Accounts:   $500,000

Education

Bachelors Degree - Economics and Sociology / Anthropology  Colgate University - Hamilton NY
09/01/1989-05/21/1993

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Financial Services

Portfolio Management

Our investment team believes that a disciplined, analytical process grounded in academic theory and fundamental research drives success in the long-term. We use evidence, data, and logic to make investment decisions. We structure your portfolio based on years of market research and a deep understanding of the dimensions of risk that reward investors over longer (10+) periods of time. We don't participate in guesswork, predictions or market timing. We use a proprietary, quantitative stock ranking system which we call factor investing to evaluate investments across an extensive group of factors, including value, size, quality, momentum, and safety.

Retirement Planning

Achieving your retirement goals takes disciplined saving, spending, and investing. Our team of experts work with you to stay on track to live the retirement you want: Develop a clear picture of your current financial situation. Help you decide when to retire. Show the income your nest egg could provide compared to your needs and goals. Implement strategies designed to generate income, manage risk, and protect against inflation. Continuously monitor your plan, adjusting as markets and your circumstances change.

Estate Planning & Trusts

With ever-changing tax laws, healthcare overhaul and other dynamic issues at play, it is increasingly vital to consult experts in each of these areas to ensure your wealth is properly shielded from unnecessary tax burdens. Estate planning includes but is not limited to: The establishment and updating of wills and trusts Health, life, liability and business insurance Long-term health care Beneficiary designations and powers of appointment Philanthropy and gifting As fee-based fiduciaries, we work with you to identify your risks and needs in order to try to align you with just the right professionals. We will also work with your existing team of CPAs, attorneys and others as needed to prioritize your comfort and financial well-being.

Tax Planning & Mitigation

We believe we can add real value for you by managing the potential drag, or reduction of return, caused by taxes. We engage you in discussions about providing a more complete plan and how your taxable assets may benefit form a tax-managed approach. Some key considerations include: The importance of knowing your tax cost basis prior to making any sells in your account. How to allocate assets between taxable and tax-advantaged accounts for increased tax efficiency The opportunity cost of executing certain tax strategies and plans. The likelihood that you may be in a lower or higher tax bracket later in life. The possibility of tax basis step-up if an equity is never sold. We consider these and many more potential tax-related matters before making any changes to your portfolio. In fact, we evaluate each and every position in your portfolio prior to making any decisions on sells or purchases, in seeking to ensure that you are not hit with a tax bill that you don't expect at the end of the year.

Wealth Management

Signet Financial Management offers a range of financial planning services to help identify tailored strategies that can accomplish your most important financial goals. Our goal-based investing strategy allows us to go beyond simply selecting stocks, bonds or other investments. We begin with prioritizing your financial goals, and creating a step by step plan to achieve them. We work with you to design an investment strategy that is integrated with all aspects of your financial life. As fee-based fiduciaries, we work with you to identify your risks and needs in order to try to align you with just the right professionals. We will also work with your existing team of CPAs, attorneys and others as needed to prioritize your comfort and financial well-being.

Risk Management

We believe you should only accept as much risk as necessary to achieve your financial goals. We look to custom design your portfolio for more than the pursuit of returns we also look to eliminate undue risk. Because risk is a necessary part of investing, it is essential to manage those risks and find the right balance between risk and expected return for you. We offer a comprehensive risk assessment to help you identify, understand, and quantify sources of risk. We ensure that the assumption of risk is intentional and consistent with your investment objectives.

Financial Planning for Businesses

At Signet Financial Management, we help business owners determine the most appropriate avenue for them and their employees to save for retirement. We look for the most tax- efficient and cost effective options to achieve their goals.

Financial Advice & Consulting

So much of today's focus is on short-term market movements, which re merely inconsequential moments in time. More important are your own ambitions for financial independence and the security that it brings. That's why we focus our time and attention on gaining a deep understanding of your personal needs and aspirations.

401K Rollovers

We help clients through the complexities of 401k Rollovers. We recognize a 401k rollover is a result in a life changing decision, such as a new job, career or retirement. We assist each client with this to simplify the process.


Faqs

Do you have a customer satisfaction or refund policy?

We pride ourselves in providing our clients with the service they expect and deserve. We send out client satisfaction surveys to ensure our clients are happy with the service provided. Although we do not give refunds, our management agreement lasts only as long as the client wants to remain a client.

How are you compensated? How will I pay for your services?

We are a fiduciary, and charge a percentage of assets under management. The fee comes directly out of the account and is charged quarterly.

If you are going to manage my account, will you obtain my permission every time you buy or sell something?

We manage money on a discretionary basis, which means we will not contact you for every buy or sell. There are some instances, where clients have positions that we will restrict from trading and only sell those with client permission.

Will you be the only person working with me?

I will be your main point of contact, but we employ a team approach so that you get the best service possible.

Have you ever been charged with any breaches?

No

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Disclosures

Signet Financial Management, LLC ("Signet") is a registered investment advisor with the U.S. Securities and Exchange Commission ("SEC"). Information in this message is for the intended recipient[s] only. Please visit our website [http://www.signetfm.com/index.php/disclaimer.html] for important disclosures.

Compliance

Registered Investment Advisor:

Yes


Acknowledged fiduciary:

Yes


Compliance Disclosures in Last 5 years:

Have a clean record


Criminal Disclosures in Last 5 years:

Have a clean record


Office Hours

wiseradvisor-balck-li-img Mon. 8:30 AM - 5:00 PM
wiseradvisor-balck-li-img Tue. 8:30 AM - 5:00 PM
wiseradvisor-balck-li-img Wed. 8:30 AM - 5:00 PM
wiseradvisor-balck-li-img Thu. 8:30 AM - 5:00 PM
wiseradvisor-balck-li-img Fri. 8:30 AM - 5:00 PM
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