Lois Carrier
CFP®, AIF
WorthWhile Wealth Council
President & CEO
Lois Carrier
CFP®, AIF
WorthWhile Wealth Council
President & CEO
As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Lois Carrier, CFP®, AIF
Fee-Only, Certified Financial Planner™ professional. Serving clients nationwide virtually from East to West and locally with offices in Johnson City, TN and Sedona, Arizona.
Lois Carrier is a Johnson City, TN fee-only financial planner. WorthWhile Wealth Council provides comprehensive financial planning, investment management and generational wealth planning to help Millennials and business owners organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Lois Carrier is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Lois Carrier, Certified Financial Planner™ is the lead visionary for WorthWhile Wealth Council. Lois began her financial planning career in 1989 receiving her CFP® designation in 1993. She is the founder, President and CEO of WorthWhile Wealth Council—a fee-only registered investment advisor firm.
Lois has been a leader in her profession, empowering women with the knowledge and education to be financially successful. Throughout her career she has worked tirelessly toward eliminating financial illiteracy for women and men alike through her creation of numerous seminars and other educational outreaches including the popular program, WIFFI (Women Investing for Financial Independence), The Money Camp for Kids and Marriage and Money.
On her mission to eliminate financial illiteracy, Lois has written several articles published in the Journal of financial planning, Investment Advisor Magazine, and Financial Planning Magazine. And, she has also acquired a large following with her exceptional teaching and presentation skills for local television audiences. Lois has been interviewed on CNBC’s Squawk Box and presented educational segments weekly on WCYB television, a Fox news affiliate, for over twenty years.
Lois previously served on the founding board of the FPA (Financial Planning Association). She has spoken for FPA national conferences LPL Financial national conferences and many more. Her career reflects her passion for her clients, community and the elimination of financial illiteracy at all levels.
Lois Carrier 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.
Serving clients from offices in East Tennessee and Northern Arizona and virtually across the country.
WorthWhile Wealth Council's (formerly CMW Wealth Advisors) investment management philosophy is based on two academic sources; Modern Portfolio Theory (MPT) and Behavioral Economics, for which five Nobel Laureates have been honored.
WorthWhile Wealth Council, is a Fee-Only Financial Planning firm led by two highly experienced Certified Financial Planner™ professionals committed to listening, collaborating and achieving mutually productive partnerships with our clients. Founders, Lois Carrier and David Maurice have served clients continuously together for more than 58 years combined experience.
Financial Planning is about so much more than just saving and investing your money. It’s about integrating all your financial decisions to clearly reflect what you care most about: your family, lifestyle, career and retirement aspirations and benevolent purposes. We call these your "worth living assets" and yours are at the center of what we do.
We are a boutique firm, serving each client in your unique circumstances with your own distinct values and deserving of our expert objective and personal attention. By first listening carefully and truly understanding your dreams, core values and complete financial situation, your financial planning and management strategies will be competently tailored and maintained to your distinct aims.
We believe a principal value in advisory services is to be truly known by your financial planner professional and this is the cornerstone of our client relationships. We will not sacrifice our culture of personal attention for rapid growth. We are committed to maintaining a compassionate, boutique environment for our clients and the team assembled to serve them.
This is why we do, what we do, the way we do it.
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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Lois Carrier 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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Lois Carrier 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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Lois Carrier is an Accredited Investment Fiduciary® (AIF)Accredited Investment Fiduciary® (AIF®) training empowers investment professionals with the fiduciary knowledge and tools they need to serve their clients’ best interests. Advisors who have earned the Accredited Investment Fiduciary designation have gone through training, met the qualifications, and passed the exam allowing use of the AIF designation and they are immediately able to demonstrate the added value that they can bring to both existing and prospective clients.
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Lois Carrier Has Received Training at the The Kinder Institute of Life PlanningThe Kinder Institute trains and coaches financial advisors worldwide in a method we call financial Life Planning. This method is based on the premise that advisors should first discover a client’s most essential goals in life before formulating a financial plan, so a client’s finances fully support those goals.
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Lois Carrier is a Featured Advisor in US News and World Report
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Lois Carrier is a Member of Sedona Professionals
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Lois Carrier is a Member of eWomen Network
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Lois Carrier was Presented with the 2010 Award of Honor from East Tennessee State University National Alumni Association
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Lois Carrier Offers Information on Reverse Mortgages on WCYB News5
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Lois Carrier Offers Debt Consolidation Advice on WCYB News5
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Lois Carrier is Quoted on WCYB News5: "Tips on how to make 2017 your strongest financial year"
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Lois Carrier is Quoted on HCB Bank: "EXPLORING WOMEN & MONEY: IS YOUR “MONEY PERSONALITY” HARMING YOUR BUSINESS?"
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Lois Carrier is the Founder of Women Investing for Financial Independence (WIFFI)
Contact Lois Carrier
Office Locations:
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508 Princeton Rd
Suite 301
Johnson City, TN 37601 -
2030 W State Rte 89A
Suite B2/B
Sedona, AZ 86336
