Bill Carter, CFP®, CLU®, ChFC®

CEO, Carter Financial Management


Bill Carter founded Carter Financial Management in 1976. The firm has grown to include a full suite of experienced financial planning professionals managing over $1 billion in assets. Dedicated to client service and professional excellence, Bill puts his deep knowledge of tax, investment and estate planning to work in helping clients define and reach their financial and life goals.

In addition to building his company into a financial planning thought leader, Bill has been instrumental in defining the practice and national professional standards of personal financial planning. He has served as Chairman of the Certified Financial Planner Board of Standards (CFPB), the International Association of Financial Planning (IAFP), and the Foundation for Financial Planning (FFP).

Bill has been quoted in publications including The New York Times, Money Magazine, USA Today, The Wall Street Journal and The Dallas Morning News, among others. He has also been interviewed on numerous television and radio programs.


One of CFM’s core values is a commitment to serving clients, peers and the community. As a dedicated and active Texas A&M alumnus, Bill leads by example. Carter (’69) is a past president of the Association of Former Students and past chairman of the Board of Trustees of the Texas A&M Foundation. He has also served on the boards of Aggie organizations including A&M’s Private Enterprise Research Center, The Press Advancement Board, the President’s Council Executive Committee, and the 12th Man Foundation. In the Dallas area, Bill has served on the boards of Children’s Medical Center of Dallas, Baylor University Medical Center, and The Senior Source.


Carter Financial Management has been named to D Magazine’s list of Top Wealth Managers in Dallas every year since 2015 1. Bill was also been included on the 2021 Forbes Best-In-State Wealth Advisors list 2. He was inducted into the Texas A&M University Cadet Hall of Honor in 2009 and was named Texas A&M University College of Agriculture and Life Sciences Outstanding Alumnus in 2011. He was also selected as a recipient of the highest honor bestowed upon a former student of Texas A&M University, the Distinguished Alumnus Award, for his professional achievement and service to the university.


Bill earned a Bachelor of Science in Agricultural Economics from Texas A&M University, where he was student body president and a distinguished military graduate.


Bill and his wife, Fran, split their time between Dallas, College Station and the family homestead in Decatur, Texas. They enjoy the arts, traveling, fishing, supporting Texas A&M athletics, and spending time with their rescued dogs and cats.