VETTED
Ross Kirwan
CFP®, MBA
Tel: 704-733-6897 6101 Carnegie Blvd, Suite 520 Charlotte, NC 28209
Invested in What Matters
About Ross Kirwan
Ross Kirwan is a Certified Financial Planner™ with 17 years of financial services experience. Ross transitioned to becoming a financial advisor after witnessing firsthand how proper financial guidance impacts families during life's unexpected moments, which he witnessed at the passing of a parent at a young age. Ross combines his skill in portfolio design and economic analysis with Carnegie Private Wealth's resources to build clear, practical financial plans. His thorough understanding of markets and investments, backed by advanced technology and flexible solutions, helps clients navigate their financial decisions with confidence. Ross serves as an Elder at his church while also serving on the board of a local nonprofit, which both reflect his commitment to meaningful impact. This same care and attention shapes how he helps families make smart financial choices for their future.Connect with Ross and Carnegie Private Wealth to align your finances with what matters most.
About Carnegie Private WealthWe guide our clients through an ongoing process that clarifies their financial goals and encourages the implementation of strategies designed to pursue them. We get to know our clients and their challenges on an intimate level, so we can help them identify areas of potential risk and opportunity. Our goal is to simplify financial decisions, making them easy for clients to understand and approach with confidence. Our clients entrust us to help plan their financial future because were attentive, engaged and experienced.
See DisclosuresGeneral Information
CRD#:
5364235
Firm CRD#:
6413
Name of Broker/Dealer:
LPL FINANCIAL LLC
States Licensed in:
NC
Years of Experience in Financial Services:
17
Work with the following types of clients:
Businesses, Individual Investors
Advisory Services Provided:
Financial Advice & Consulting, Financial Planning, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Education Funding and Planning, Tax Advice and Services, Financial Planning for Individuals
Compliance
Compliance Disclosures in Last 5 years:
I have a clean record
Criminal Disclosures in Last 5 years:
I have a clean record
Qualifications & Memberships
Certifications, Accreditations & Designations:
CFP®, MBA
Securities Licenses:
Series 7, Series 66, Series 63
Services
Investment Types:
Stocks, Annuities, Commodities, Exchange Traded Funds (ETFs), Bonds, Options & Futures, Mutual Funds, Alternative Investments
Can meet clients in the following ways:
Email, Phone, Our Office, Video Conference, Your Office
Compensation and Fees
Fee Structure:
Fee-Based
Minimum Portfolio Size for New Managed Accounts:
$250K+
Compensation Methods:
Flat Fee, Based on Assets
Firm Information
Firm's Number of Clients:
500
Preferred meeting methods
I provide a free initial consultation:
Yes
Financial Planning for Businesses
Business owners face a world of challenges and opportunities as they seek to grow their business with an eye toward the future and an eventual exit. We guide our clients through every stage of the process and ensure that their personal financial life is as healthy as their business. From managing cash flow, taxes, and debt to family dynamics and exit strategies, it is essential to have a consolidated view of their financial life that combines both business and personal.
Financial Planning for Individuals
Life is always changing, and transitions come planned and unplanned. We help to prepare and guide clients through critical events like retirement, moving, illness, career changes, marriages, having children and grandchildren, and eventually transferring wealth to the next generation.
Portfolio Management
A Focus on Risk Management. While many asset managers will tell you they focus on risk management, they often cannot articulate how they address the wide variety of risks that investors face: market risk, liquidity risk, inflation risk, concentration risk, tax risk, longevity risk, interest rate risk, behavior risk and underperformance risk to name a few. Only a comprehensive financial planning process combined with a data-driven investment process can address all of these risks and lead investors to the right portfolio to pursue their unique goals.
Insurance Planning
No financial plan is complete without stress-testing it against the what if situations of life that could
undermine or derail it. In this step, we assess insurance needs, evaluate coverage and identify areas of risk
exposure. The goal is to ensure the integrity and stability of a client's plan regardless of what life might throw
at them.
Estate Planning & Trusts
Estate Planning begins with helping a client to understand how their current estate plan works and identifying areas for improvement. From the basics to the advanced, we educate our clients on key concepts before developing their customized plan. If updates are necessary, we will then coordinate with our clients' attorney to execute the plan and follow the process through to completion.
Tax Advice and Services
We utilize Holistiplan. This tool simplifies tax planning. Through automation, this tool analyzes tax returns to identify opportunities for tax optimization. This translates into potential savings and improved tax efficiency
within an investment strategy.
Wealth Management
At Carnegie, we believe in creating multiple pathways for clients to access our services. This is why we
do not have established account or relationship minimumswe do not believe in them. If a client wants
and needs the planning services that we provide, we believe that they should be able to benefit from
what we do regardless of their current situation.
Disclosures
WiserAdvisor provides referrals to financial professionals of LPL Financial, LLC (LPL). WiserAdvisor is not a current client of LPL for brokerage or advisory services. Financial professionals of LPL pay WiserAdvisor cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest.
LPL ADV 2A
https://www.lpl.com/content/dam/edam/format/disclosure/a58.pdf
Additional Detailed Disclosures
https://www.lpl.com/content/dam/edam/format/disclosure/wiseradvisor-lpl-detailed-disclosures.pdf
17 Years of Experience
Compliance
Compliance Disclosures in Last 5 yearsI have a clean record
Criminal Disclosures in Last 5 yearsI have a clean record
Research This Advisor
Office Hours
Monday8:00 - 17:00
Tuesday8:00 - 17:00
Wednesday8:00 - 17:00
Thursday8:00 - 17:00
Friday8:00 - 17:00
SaturdayClosed
SundayClosed
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