CAROTA WEALTH
An SEC-registered fiduciary investment adviser (CRD #127344). Nearly thirty years of independent practice — serving individuals, families, and business owners navigating significant financial decisions.
We are not a big-box advisory firm. We're an independent fiduciary with the tools, discipline, and conviction of an institutional manager — focused entirely on you.
As an SEC-registered investment adviser, we are held to a fiduciary standard — a legal obligation to prioritize your interests in every recommendation we make. That standard does not bend. Material conflicts of interest are disclosed in our Form ADV, available upon request.
Macro-first analysis, proprietary quality screening, and confluence-driven entries — the same disciplines — macro-first analysis, quality screening, and systematic sector monitoring — used by institutional asset managers.
In our experience, the decisions that matter most — a business exit, an inheritance, a retirement transition — unfold over years. We work that way too.
We identify the current economic regime through our proprietary Market Pulse Regimes℠ framework — monitoring seven macro actors (Fed, Treasury, Consumer, Credit, Inflation, Liquidity, and Shock) — assessing whether each is accelerating, decelerating, or shifting stance. Regime state determines sector posture before any ETF candidate is evaluated.
Daily systematic scanning across sector ETFs — filtered first by regime posture, then scored on technical confluence: RSI, distance from key moving averages, price momentum, and volume. Only regime-aligned candidates enter the review queue. Flags are research inputs, not automatic actions. Discipline before conviction.
Every candidate is filtered through a regime-posture gate before any technical review. Sectors in GATE status don’t get considered — regardless of momentum signals. We eliminate structural risk at the regime layer so individual ETF selection isn’t carrying that weight. Discipline over opportunity cost.
The R-Factor quality screen is a proprietary internal research tool. Past screening outcomes are not indicative of future results.
Not all sectors are in play at all times. The regime determines which sectors receive consideration (Pass), which require additional caution (Flag), and which are excluded entirely (Gate). Capital follows the macro signal — not the calendar, not the consensus. Risk management is structural, not optional.
The signal grid visualizes four primary dimensions of the seven macro actors monitored by MPR℠ — condensed for clarity.
The Market Pulse Regimes℠ framework reflects an internal research classification. It is not investment advice, a portfolio recommendation, or an indication of current client holdings.
Every client relationship is personal. That starts with knowing exactly who you're working with.
Nearly thirty years building personalized financial strategies across investments, tax, insurance, and estate planning. Founder, president, and chief compliance officer of Brandywine Financial Group, Inc. The sole adviser on every client relationship — by design.
11+ years as a Customer Account Manager. Now bringing the same dedication and precision to every client relationship at Carota Wealth Management. Your advocate from day one — and every day after.
No templates. No static allocations. Just a disciplined, fiduciary advisor who takes your financial future as seriously as you do.
We welcome conversations with individuals who are simply asking whether their current arrangement still serves them. Due diligence is not a betrayal — it is sound judgment.
At Carota Wealth, we believe the future of financial advice isn’t about having the latest technology — it’s about delivering a better client experience.
Every client interaction, planning opportunity, and important life event is supported by a structured process designed to ensure nothing falls through the cracks.
Behind the scenes, we continuously refine how we serve clients so that advice is delivered consistently, efficiently, and with the highest level of care.
Technology can enhance service, but it can never replace genuine relationships. Our commitment is to know our clients, understand what matters most to them, and be there when they need us.
Artificial intelligence serves as the operating system underneath these efforts — not as a replacement for human judgment, but as a tool that helps us deliver a higher standard of service.
Because at the end of the day, great financial advice isn’t measured by technology. It’s measured by trust, confidence, and the peace of mind that comes from knowing you have a team looking out for your future.