Kenneth J. Carthan Sr.

Starting late doesn’t mean missing out. You just need the right plan and the right partner.
Let’s make your next chapter the best one.

📩 DM “FREEDOM” to begin.

#YourFinancialGuy #KennethCarthan #MarriedMoneyMatters #MoneyForTheNextGen #FamilyProtection #LifeInsuranceMatters #FinancialLiteracy #FinancialGoals #EastBayFamilies #OaklandMoneyMoves

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6 months ago | [YT] | 0

Kenneth J. Carthan Sr.

“Pay taxes later” sounds smart… until later comes.


Tax-deferred accounts like 401(k)s feel like a win today.
But here’s what they don’t tell you:
📌 You’re taxed on the full amount later — potentially at a higher rate
📌 You lose flexibility
📌 You might pay more in retirement than you would now


There’s a better way.
It starts with knowing all your options — not just the default ones.


📩 DM “TAX PLAN” if you want to understand what’s really best for your future income.

#YourFinancialGuy #KennethCarthan #FamilyFinance #LegacyBuilding #WealthBuildingTips #FinancialGoals #FamilyProtection #LivingBenefits #BayAreaBusiness #OaklandMoneyMoves

6 months ago | [YT] | 0

Kenneth J. Carthan Sr.

You can dream alone — but building real wealth?
That takes partnership. 💥


The right people multiply your vision, income, and impact.
Not just building with you, but building for your future.



✅ Strategic support
✅ Real accountability

✅ Shared success


💬 Comment “PARTNER” if you’re ready to build with the right team.


#YourFinancialGuy #KennethCarthan #SmartMoneyMoves #TaxFreeRetirement #GrowYourMoney #MoneyMindset #IncomeProtection #InsureToSecure #CaliforniaFinance #BayAreaBusiness

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6 months ago | [YT] | 0

Kenneth J. Carthan Sr.

Too old? Too late? Not even close.
Financial freedom doesn’t have a deadline. It has a start line.


All it takes is a decision:
👉 That you want more
👉 That you deserve better
👉 That you’re ready to grow


Start today. Your future self will thank you. 🌱


DM “FREEDOM” and let’s get your plan in motion.


#YourFinancialGuy #KennethCarthan #FamilyFinance #LegacyBuilding #WealthBuildingTips #FinancialGoals #FamilyProtection #LivingBenefits #BayAreaBusiness #OaklandMoneyMoves

6 months ago | [YT] | 0

Kenneth J. Carthan Sr.

There’s a simple rule that tells you — and it’s not a secret.

✅ Take 72
✅ Divide it by your interest rate
✅ That’s how many years it takes to double your investment

Example:
Earning 6%?
72 ÷ 6 = 12 years

Now flip it:
Want to double faster?
Grow at a higher rate, and protect your gains from taxes.

DM “RULE” and I’ll help you run your own numbers — so you know exactly how to start building faster.

#YourFinancialGuy #KennethCarthan #SmartMoneyMoves #TaxFreeRetirement #GrowYourMoney #MoneyMindset #IncomeProtection #InsureToSecure #CaliforniaFinance #BayAreaBusiness

6 months ago | [YT] | 0

Kenneth J. Carthan Sr.

Your comfort zone feels safe — but it’s keeping you stuck.
That “wait until next month” mindset?
It’s costing you time, money, and momentum.


If you’re tired of feeling behind…
If you know you’re meant for more…
It’s time to move different. Even one small step can shift everything.




DM me “GROW” and I’ll help you build a plan that works — without the overwhelm.


#YourFinancialGuy #KennethCarthan #FamilyFinance #LegacyBuilding #WealthBuildingTips #FinancialGoals #FamilyProtection #LivingBenefits #BayAreaBusiness #OaklandMoneyMoves

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6 months ago | [YT] | 0

Kenneth J. Carthan Sr.

1.Lifestyle inflation (spending more as your income grows)


2.Not tracking your expenses


3.Only paying the minimum on credit cards


4.No savings plan


5.Avoiding financial advice

These small habits add up. They quietly drain your wealth and hold you back.
Break the cycle. Start with one change this week.




DM “HABITS” and I’ll send you a cheat sheet to help you shift your money moves.


#YourFinancialGuy #KennethCarthan #FamilyFinance #LegacyBuilding #WealthBuildingTips #FinancialGoals #FamilyProtection #LivingBenefits #BayAreaBusiness #OaklandMoneyMoves

6 months ago | [YT] | 0

Kenneth J. Carthan Sr.

You can dream all day — but building real wealth takes strategy, accountability, and the right partner.

Too many people try to do it alone… and stay stuck.

What if your next move didn’t have to be solo?

Let’s build your plan, together.





DM me “PARTNER” and I’ll walk you through it step-by-step.
No pressure. Just real strategy that works.


#YourFinancialGuy #KennethCarthan #SmartMoneyMoves #TaxFreeRetirement #GrowYourMoney #MoneyMindset #IncomeProtection #InsureToSecure #CaliforniaFinance #BayAreaBusiness

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6 months ago | [YT] | 0

Kenneth J. Carthan Sr.

Too old? Too late? Not even close.
Financial freedom doesn’t have a deadline — it has a start line.

Start today.
Your future self will thank you.



Start today.
Your future self will thank you.


#YourFinancialGuy #KennethCarthan #FamilyFinance #LegacyBuilding #WealthBuildingTips #FinancialGoals #FamilyProtection #LivingBenefits #BayAreaBusiness #OaklandMoneyMoves

6 months ago | [YT] | 0

Kenneth J. Carthan Sr.

It’s not salesy. It’s not pressure. It’s a real convo about your money goals. Here’s exactly what happens on a call with us.




Want to see if we’re a fit? DM me 'CALL' and let’s chat 📞


#YourFinancialGuy #KennethCarthan #FamilyFinance #LegacyBuilding #WealthBuildingTips #FinancialGoals #FamilyProtection #LivingBenefits #BayAreaBusiness #OaklandMoneyMoves

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6 months ago | [YT] | 0