Carl Emerick
CFP®, CPA, MS
Emerick Financial Planning, LLC
Financial Advisor
Carl Emerick
CFP®, CPA, MS
Emerick Financial Planning, LLC
Financial Advisor
As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Carl Emerick, CFP®, CPA, MS
Fee-Only Financial Advisor serving the Pittsburgh, PA area.
Carl Emerick is a Pittsburgh, PA fee-only financial planner. Emerick Financial Planning, LLC provides comprehensive and objective financial planning, investment advice, and targeted hourly financial advice and counsel to help families and individuals, business owners, professionals and retirees organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Carl Emerick is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Carl Emerick was born and raised in the Pittsburgh area and graduated from Peters Township High School in 1982. He went on to earn an accounting degree from Geneva College (Beaver Falls, PA) in 1986, then immediately began his financial career with a large life insurance and financial services company in Washington DC, working in various capacities in the accounting, tax, and cash management areas.
In 1998, in order to work more directly with individuals and families who needed financial guidance, he joined a large fee-only wealth management firm located in the DC area as a financial planner. After several years there and advancing to the position of manager of the regional financial planning department, Carl went on to join a Northern Virginia based financial planning and investment management firm. He served a broad range of clients there, assisting them with their financial planning and investment management needs.
Carl and his family moved back to the Pittsburgh area in 2015, and is continuing to provide thorough, objective financial advice to individuals and families. In considering how to best serve people from all walks of life, Carl felt called to found Emerick Financial Planning, LLC, an hourly, fee-only financial planning firm that has no investment or income minimums. His goal is to offer his clients the same level of professional expertise, training, experience, and personal attention that his high net worth clients received at his former firms.
Carl Emerick is a Member of the National Association of Personal Financial Advisors
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning.
Emerick Financial Planning, LLC is:
Independent
We are not affiliated with any financial firm, brokerage, or insurance company, allowing us to provide advice free from conflict of interest from third parties. We receive no commissions, kickbacks, or other financial incentives from financial companies, freeing us to recommend whatever is in your best interest, because the only one who pays us is you.
Comprehensive
As a CERTIFIED FINANCIAL PLANNER™ professional, Carl believes that financial decisions are best made in the context of a person’s overall financial situation and priorities. Before formulating specific recommendations, we will thoroughly analyze the details that may affect each decision to make sure that the various areas of your financial life fit together.
Experienced
Carl has almost 30 years of experience in the financial services field, the last 17 years in personal financial planning and investment management. He has a Bachelor's degree in Accounting and a Master's degree in Financial Planning, as well as the CPA and CFP® designations. Carl has previously been with a large national wealth management firm and has been a partner in a small financial planning practice, serving clients from all walks of life during that time.
Goal-oriented
We formulate recommendations that are based on your goals, not on any proprietary financial products or services. Identifying, quantifying, and prioritizing your various goals is a crucial and integral part of the financial planning process. While it is tempting to dive straight into particular investments, tax strategies, and insurance products, we keep in mind that these are tools that we apply to helping you achieve your goals, and are best discussed after we know what you are trying to accomplish.
Fiduciary
As a CERTIFIED FINANCIAL PLANNER™ professional, Carl has taken a fiduciary oath, legally binding him to put your interests above his own. Many advisors are not fiduciaries and do not have this obligation. In fact, they may be required to put the interests of their employers ahead of yours. At Emerick Financial Planning we have gladly signed a fiduciary oath that confirms our commitment to giving you advice that is in your best interest.
Flexible
From a full, broad-based financial plan to focusing on a single issue on an hourly basis, we can provide the advice and direction you need to accomplish your goals. In addition, we can help implement the recommendations that we make, if you choose. At Emerick Financial Planning, we have no investment, income, or net worth minimums, so we can help almost anyone.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
Ideal Clients
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Carl Emerick is a NAPFA-Registered Financial AdvisorThe National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
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Carl Emerick is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for VerificationCFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
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Carl Emerick is a Certified Public Accountant (Learn More)A Certified Public Accountant (CPA) is a professional accountant who has met the education and experience requirements set by their state's Board of Accountancy and has passed the Uniform CPA Exam. CPAs are licensed to provide a wide range of accounting services, including financial statement preparation, tax planning and preparation, auditing, consulting, and other financial advisory services.
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Carl Emerick is a member of the Garrett Planning Network. Click here to learn more.Everyone needs competent, objective financial advice from time to time. The Garrett Planning Network has a nationwide membership with hundreds of independent, Fee-Only financial planners providing advice to people from all walks of life, without minimum account requirements, sales commissions, or long-term commitments. Our members proudly embrace their fiduciary duty, always placing their clients' best interests first.
Contact Carl Emerick
Office Locations:
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1580 McLaughlin Run Road
Suite 210
Pittsburgh, PA 15241
