Kathy Muldoon, CFP®

Senior Vice President, Carter Financial Management

Professional

Kathy is a nationally recognized Certified Financial Planner® professional, with a focus on transition planning due to major life events. Her customized solutions reflect deep experience in legacy planning and wealth management strategies for higher net worth individuals and their families. Kathy takes special interest in guiding recently widowed clients based on her own experience as a young widow with children. She is a Senior Partner with Carter Financial Management.

Kathy is a frequent contributor in the financial press.

Service

Service to the community has long been a priority for Kathy. She provides philanthropic leadership for organizations including Catholic Charities Dallas, The Diocese of Dallas, Cistercian Preparatory School, Parkland Hospital Foundation, Jesuit Preparatory School Foundation.

Kathy values sharing knowledge and experience with the next generation of financial planners. She has taught financial planning certificate programs at both Southern Methodist University and the University of Dallas and mentored many young CFP® Professionals throughout her career.

Awards

Carter Financial Management has been named to D Magazine’s list of Top Wealth Manager Teams in Dallas every year since 2015 ¹. In 2020, Kathy was named to the Financial Times 400 ², Forbes Best-In-State Wealth Advisors ³, and Forbes Top Women Wealth Advisors ⁴. She has also been a recipient of the Communities Foundation of Texas Vester Hughes Award for her local philanthropic leadership.

Personal

A native of San Francisco, Kathy raised her family in Texas. She is married and enjoys the arts and spending time with both her friends and her very large extended family.

^1. D Magazine asks every wealth management firm and team in the Dallas-Fort Worth chapter of the Financial Planning Association, Chartered Financial Analyst Institute, and the Investments and Wealth Institute to tell us about their practices. The final list was selected based on these criteria: top firms or teams must have total assets under management for individual clients of at least $100 million; average assets under management per client of at least $1 million; a 95 percent client retention rate over the last two years; and no current disciplinary action. Additionally, all firms (or teams, should the team be applying as an entity separate from its parent company) must have been in existence for at least five years as of the application deadline (May 31, 2024). They must also hold themselves out as fiduciaries for their clients and provide them with a written disclosure. A panel of esteemed local wealth managers reviewed the final list. All numbers are current as of the application deadline. Out of the 64 that were nominated, 50 teams were recognized. This ranking is based upon the period from 5/31/2023 to 5/31/2024 and was released on 10/31/2024. Neither the firms nor their employees pay a fee to D Magazine in exchange for inclusion in the list. Inclusion on the list is no guarantee as to future investment success. The ranking may not be representative of any one client's experience, is not an endorsement of the financial advisory practice by D Magazine and is not indicative of an advisor's future performance. Raymond James is not affiliated with D Magazine.

^2. The Financial Times 400 Top Financial Advisors is an independent listing produced annually by Ignites Research, a division of Money- Media, Inc., on behalf of the Financial Times (April 2020). To qualify for the list, advisers had to have 10 years of experience and at least $300 million in assets under management (AUM) and no more than 60% of the AUM with institutional clients. The FT reaches out to some of the largest brokerages in the U.S. and asks them to provide a list of advisors who meet the minimum criteria outlined above. These advisors are then invited to apply for the ranking. Only advisors who submit an online application can be considered for the ranking. In 2020, roughly 1,040 applications were received and 400 were selected to the final list (38.5%). The 400 qualified advisers were then scored on six attributes: AUM, AUM growth rate, compliance record, years of experience, industry certifications, and online accessibility. AUM is the top factor, accounting for roughly 60-70 percent of the applicant’s score. Additionally, to provide a diversity of advisors, the FT placed a cap on the number of advisors from any one state that’s roughly correlated to the distribution of millionaires across the U.S. This ranking is based upon the period from 06/30/2016 to 06/30/2019 and was released on 04/16/2020. The ranking may not be representative of any one client’s experience, is not an endorsement, and is not indicative of an advisor’s future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award/ rating. The FT, Ignite Research, and Money-Media, Inc. are not
affiliated with Raymond James.

^3.The Forbes ranking of Best-In-State Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone and in-person due diligence interviews, and quantitative data. Those advisors that are considered have a minimum of seven years of experience, and the algorithm weights factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices in their practices and approach to working with clients. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. Out of approximately 32,000 nominations with more than 4,000 advisors received the award. This ranking is based upon the period from 6/30/18 to 6/30/19 and was released on 1/16/20. This ranking is not indicative of an advisor’s future performance, is not an endorsement, and may not be representative of individual clients’ experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating. Raymond James is not affiliated with Forbes or Shook Research, LLC. Please visit https:// www.forbes.com/lists/best-in-state-wealth-advisors/ for more info.

^4. The Forbes ranking of America’s Top 1,000 Women Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative and quantitative data, rating thousands of wealth advisors with a minimum of 7 years of experience and weighing factors like revenue trends, AUM, compliance records, industry experience and best practices learned through telephone and in-person interviews. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. Research Summary (as of April 2020): 32,000 nominations were received based on thresholds (9,654 women) and 1,000 won. This ranking is based upon the period from 9/30/18 to 9/30/19 and was released on 4/21/20. This ranking is not indicative of an advisor’s future performance, is not an endorsement, and may not be representative of individual clients’ experience. Neither Forbes nor SHOOK receive a fee in exchange for rankings. Raymond James is not affiliated with Forbes or Shook Research, LLC. Please visit https://www.forbes.com/top- women-advisors/#28abc5bd51f4 for more info.

Kathy Muldoon, CFP®

Senior Vice President, Carter Financial Management

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