Our mission at Carpenter Financial Services is making sure our clients are prepared for an enjoyable, comfortable retirement. We equip our clients with the right financial tools to help balance the risks with the rewards. Offering smart strategies with real solutions we listen to our clients to help them pursue their retirement goals.
Our Firm History
For over 25 years Joseph A. Carpenter has advised clients in the Greater Johnstown area.
Carpenter Financial Services began with Joe’s father Samuel C. Carpenter, over 60 years ago, when he established the business as an accounting firm.
When Joe and his brothers began working at the family business they quickly realized that there was a lack of information for clients who were looking for an entire wealth management experience. This gap caused our clients to have to seek advice from multiple professionals and was a confusing process for all involved.
To better serve our clients Joe and his brothers expanded into the practice we have today of a wealth management company that offers customized comprehensive financial planning services.
Investment and financial planning services are offered by Joseph Carpenter through his affiliation with HD Vest.
Revising Estate Strategy Assumptions
Estate tax exemptions rules appear to be stabilizing, prompting many to reconsider conventional estate strategies.
Investing with Your Heart
For some, the social impact of investing is just as important as the return, perhaps more important.
Perception vs. Reality
There’s an alarming difference between perception and reality for current and future retirees.
Combating counterfeiting remains core to preserving the integrity of the nation’s money.
Bonds may outperform stocks one year only to have stocks rebound the next.
One way to find money is to examine your current spending habits and eliminate money wasters.
Universal life insurance is permanent insurance with a flexible premium. Here's how it works.
When you take the time to learn more about how it works, you may be able to put the tax code to work for you.
Understanding the value of a home warranty.
This calculator may help you estimate how long funds may last given regular withdrawals.
This calculator shows how inflation over the years has impacted purchasing power.
Estimate how much income may be needed at retirement to maintain your standard of living.
This calculator can help you estimate how much you should be saving for college.
Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.
This calculator can help determine whether it makes sense to refinance your mortgage.
Using smart management to get more of what you want and free up assets to invest.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
The chances of needing long-term care, its cost, and strategies for covering that cost.
The importance of life insurance, how it works, and how much coverage you need.
There are some smart strategies that may help you pursue your investment objectives
Learn more about taxes, tax-favored investing, and tax strategies.
Making the most of surprises is a great reason to work with us.
There are a few things to consider when buying or leasing your next vehicle.
The market is as unpredictable as the weather. We’d love to help you prepare.
What if instead of buying that vacation home, you invested the money?
Investors seeking world investments can choose between global and international funds. What's the difference?
The seas of the market are constantly shifting. Whether the good ship IPO can set sail may depend heavily on the tides.