Carroll Financial Update Kristopher W Carroll CFA CFP

Carroll Financial Update Kristopher W. Carroll, CFA®, CFP® 4201 Congress Street Suite 210 Charlotte, NC 28209 Registered representative offering securities through Cetera Advisor Networks LLC, member FINRA/SIPC. Advisory services offered through Carroll Financial Associates, Inc. , a Registered Investment Advisor. Carroll Financial and Cetera Advisor Networks are not affiliated.

Agenda • • Carroll Financial update Outside relationships update Succession & continuity planning for advisors Fiduciary Rule update Adaptive Wealth Strategies U. S. Factor Index How you can stay updated Questions

Carroll Financial Update This is also me That’s me

Carroll Financial Update • 45 employees – 23 advisors and 22 staff members • New employees – – Lisa Rizzo, Marty Moore Team Elaine Turner, Bill Trahan Team Patti Bollinger, Bud Hedstrom Team Jay Patterson, John Patterson Team • New interns – Abby Grooms • Senior at Queens University – Maddie Mc. Donald • Junior at UNC Charlotte My old desk

Carroll Financial Baby Boom 5 babies born within the past year! • • • Lane Taylor Holland Trahan Keegan Long Anna Caroline Bowyer Roman Piacentino 10/7/2017 3/27/2018 5/28/2018 7/30/2018

Carroll Financial Update Rotunda Building renovations

Outside Relationships Update Broker Dealer Ownership Change

Outside Relationships Update Custodians

Succession & Continuity Planning for Advisors • Team Structure • Investment may be different

Fiduciary Rule Update • This summer the Fifth Circuit Court of Appeals revoked the U. S. Department of Labor fiduciary rule which required financial advisors to act in their clients’ best interest • Different types of professionals are held to different standards when it comes to giving advice and recommending products • SEC and FINRA involvement

What This Means For You • Carroll Financial has been a fiduciary since 1981 • “Business as usual” at Carroll Financial “The best interest of the client is the only interest that matters. ” - Larry W. Carroll, CFP® 1980

Adaptive Wealth Strategies U. S. Factor Index • • Value, momentum, and minimum volatility Low cost Tax efficient Alpha-generating

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Questions

Disclosures • Everything we’ve discussed is just our opinions, they should not be construed as a suggestion to buy or sell any specific investment • All Information is believed to be from reliable sources; however we make no representation as to its completeness or accuracy. All economic and performance information is historical and not indicative of future results • You cannot invest directly in an index • Past performance does not guarantee future results 4201 Congress Street Suite 210 Charlotte, NC 28209 Securities offered through Cetera Advisor Networks LLC, member FINRA/SIPC. Advisory services offered through Carroll Financial Associates, Inc. , a Registered Investment Advisor. Carroll Financial and Cetera Advisor Networks are not affiliated.