About Us

For over 20 years, our team at Carbahal Olsen Financial Services has built a practice that provides our clients with objective advice and dedicated personal service. We pride ourselves on developing long-term relationships built on trust and confidence.   

We believe that every client is unique and look forward to working closely with you to understand your personal and financial goals.  From there we will develop a personalized plan to help lead you to a positive outcome.  As goals change or new ones emerge, we will be there to provide guidance along the way.

As Certified Financial Planner™ professionals, our advisors have met the CFP® Board’s rigorous requirements to provide comprehensive planning and investment solutions.  They also proudly adhere to the Board’s Standards of Conduct which include a fiduciary duty to all clients when providing financial advice.    

All of us at Carbahal Olsen Financial Services look forward to the opportunity to become your partner in matters critically important to your financial well-being.  

Our Services

 

Comprehensive Financial Planning

A common thread for many of our clients, whether working or retired, is putting in place a well-coordinated retirement plan. With many of us living another third of our lives in retirement, living comfortably without worries of outliving our retirement nest eggs is certainly a financial planning goal worth striving for. 

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Asset Management

As a complement to our financial planning services, we offer discretionary asset management services utilizing securities such as mutual funds, exchange traded funds, and individual stocks and bonds, among others.  First, we gather detailed information from you about your current financial situation, goals and risk tolerance. 

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Kurt D. Schrader, CFP®

Managing Partner

Born and raised in Davis, Kurt attended Davis High School before earning his bachelor degree in business at Sacramento...

Why Choose a Certified Financial Planner™?

Anyone can refer to themselves as a financial planner or financial advisor without the need for a special license or certification.  A CERTIFIED FINANCIAL PLANNER™ is someone that has met and maintains the CFP Board’s requirements for education, experience, ethics and passed the 6-hour comprehensive CFP® Certification Examination.  Learn more about what it means to be a CFP® professional by visiting the CFP Board’s website.  

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Credit Cards versus Debit Cards

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Credit
Most consumers typically have both a credit card and a debit card. Of course, the biggest difference between the two is that a debit card will immediately take money out of your bank account when used, unlike a credit card, which will pay for the purchase and later add the amount of the transaction to your monthly statement. But are there any other differences between the two? It turns out that there are some major...

FAQ

Q

Is it mandatory to begin with financial planning services?

Yes, unless detailed planning work has been done just prior to engaging Carbahal Olsen. We consider financial planning to be a core feature of our wealth management offering.  In order to support you at a high standard, it is critical that we understand your goals and objectives, but also specific financial information relevant to your planning objectives. In the long run, taking a more holistic approach to your finances allows us to align your investment plan to what is important to you.

Q

Will you work with our accountant, attorney and other professional contacts?

Absolutely. Working with your professional team is critical to your financial plan’s success. Many of our clients look at us as quarterback or CFO of their financial team, making sure that the various parts work in a coordinated fashion.

Q

Is Carbahal Olsen a “fee-only” financial advisor?

No.  While the asset management services offered by Carbahal Olsen are provided on a “fee-only” basis the CFP® Board requires that we refer to ourselves as “fee-based”.  

This is because representatives of Carbahal Olsen may be separately licensed as insurance agents or brokers for one or more insurance companies.  In this capacity, they will be able to receive separate, yet customary compensation when they implement insurance product transactions on your behalf.  

Clients are not under any obligation to engage Carbahal Olsen representatives when considering implementing our recommendations.  The implementation of any or all insurance recommendations is solely at the discretion of our clients. 

Q

Will Carbahal Olsen hold my assets directly?

No. Carbahal Olsen is not a custodian and therefore will not take custody of your assets. We have done research on the marketplace and have found Fidelity Investments has the comprehensive suite of services to meet the needs of our clients. We review these arrangements periodically to determine if other options are more appropriate.

Q

Will you consult me before making trades?

In most cases, no. Clients generally grant us limited, discretionary trading authority to make trades on their behalf. However, our role is to make investment decisions that meet with your investment objectives, which are clearly outlined in advance in your Investment Policy Statement.