When I was 20 years old, I had the opportunity to intern and work at Merrill Lynch when it was the largest branch for any financial services in the world. I was amazed with the speed and complexity of the business, and I really wanted to learn because I’d been investing stocks since I was 13. So, I always had some level of fascination with it.

About Michael

Michael Carlin is driven by that fascination and a desire to help others achieve their goals. He’s known for helping his clients uncover and understand more about their financial situations than ever before, building meaningful relationships and helping them move forward. Michael handles a wide range of responsibilities including heading up the practice’s investment committee, making strategic decisions on how to move and change client portfolios and making sure the practice is meeting its fiduciary responsibilities.

Michael founded Wealth Management, LLC in 2005 after moving from Boston to Scottsdale. The firm has become one of the most highly regarded independent wealth management practices in the state, and Michael has been named an Elite Adviser with Independent Financial Group seven times. In 2017, Wealth Management, LLC became Henry+Horne Wealth Management.

Before moving to Arizona, Michael founded CCR Wealth Management, LLC out of Boston. The firm quickly became one of New England’s largest wealth management practices and was named a Cetera Advisors/Pershing LLC Top Advisory Firm since 2004. CCR Wealth Management, LLC was closely affiliated with Massachusetts’ largest private accounting firm, CCR Advisory Group, LLP.

Outside of work, you can find Michael spending time with his kids. Every weekend he makes them either pancakes or waffles from scratch, both of which would not be complete without one of his favorite things in the world – Vermont made maple syrup. He also loves to take his son fishing – a pastime Michael taught himself after watching a few videos one night because his son asked him to teach him how to fish.

Education

  • Bachelor of Administration in Marketing, George Washington University
  • School of Financial Planning, Boston University

Licenses

  • Accredited Investment Fiduciary (AIF®)
  • Life and Health Insurance Licenses
  • Securities Licenses: 7, 24, 63 and 65

Affiliations

  • Independent Financial Group of San Diego

Blog Posts by Michael

What is the gig economy anyway?
Future Trends
October 2018
4 Money tips you can’t afford to pass up
THE Wealthier + Wiser Blog
October 2018
Money: 4 rules of thumb
THE Wealthier + Wiser Blog
September 2018
When will we see driverless cars?
THE Wealthier + Wiser Blog
September 2018
5 Steps to protect your money in a digital world
THE Wealthier + Wiser Blog
September 2018
Financial advisor cuts cord, saves $68,000 in retirement
THE Wealthier + Wiser Blog
September 2018
Retirement playbook: 5 step strategy
THE Wealthier + Wiser Blog
August 2018
Is your Social Security income keeping up?
THE Wealthier + Wiser Blog
August 2018
Your financial focus: saving, NOT spending
THE Wealthier + Wiser Blog
August 2018
Avoid extreme saving, why you want a balanced plan
THE Wealthier + Wiser Blog
August 2018
The pay you first college savings plan
THE Wealthier + Wiser Blog
July 2018
Financial unrest – don’t throw away your plan
THE Wealthier + Wiser Blog
July 2018
Prime Now test – ready for grocery delivery?
THE Wealthier + Wiser Blog
July 2018
Inflation and earning power
THE Wealthier + Wiser Blog
July 2018
Credit score: .25% could cost you thousands
THE Wealthier + Wiser Blog
July 2018
Real estate investing for income
THE Wealthier + Wiser Blog
June 2018

Articles by Michael

Protecting your money in a digital world
September 2018
2018 2nd quarter market outlook
June 2018
Real estate investing for income
May 2018
Money rules of thumb: ballpark figures for your financial plan
March 2018
2018 Economic outlook: markets, taxes, economic growth + more
February 2018
Reviewing your finances yearly: the importance of looking forward AND back
November 2017
Retirement planning mistakes: not saving enough isn't your only concern
October 2017
The forgotten retirement expense: planning for long-term care
September 2017
Economic outlook update: how is the economy doing under the new administration?
July 2017
Conflicts of interest in retirement advice: new rules to protect you
March 2017
Skimping on splurges: how to make smart money moves while still enjoying life
December 2016
Use portfolio losses to potentially make money: year-end planning with tax loss harvesting
November 2016
Finding Clarity among the Noise: The Dangers of Generic Money Advice
October 2016
Avoid Major Retirement Pitfalls: Don't Bury Your Head in the Sand
September 2016
Fear and Greed: The Impact of Human Emotion on Investor Behavior
July 2016
Decision 2016 Clinton vs. Trump: The Data Behind the Election and the Angst
June 2016
Fear and Greed: The Impact of Human Emotion on Investor Behavior
May 2016
Preparing Your College Grad for Financial Success
April 2016
A New You in the New Year: Take Time to Take a Fresh Look at Your Finances
January 2016
Striking a Balance between Debt, Life and the Pursuit of Financial Freedon
December 2015
Reverse Churning and the Art of Doing Nothing
October 2015
Be Wary of Clients Using MLPs for Income
October 2015
Retirement Year To-Do List
September 2015
The Pay You First College Savings Plan
August 2015
Establish Credit Today, Save Tomorrow
June 2015
Don't Ignore this Key Retirement Planning Asset
April 2015
Smart Holiday Spending Strategies: Give Your Credit Card a Break
November 2014
Retirement Playbook: Fives Steps to a Potential Winning Strategy
September 2014
Real Estate Investing: Should You Follow the Crowd?
July 2014
IRS Guides for In-House Conversions in Roth 401(k)
May 2014
The Other Way to Save for College
April 2014
Bitcoin: The Next Generation or the Next Digital Flop?
January 2014
The Current Oil Story and What it Means to the United States
October 2013
A New World of Investments in Your IRA
September 2013
Time to Take a Bite Out of Apple?
July 2013
What You Don't Know about Retirement Plans that Can Hurt You
May 2013
The Hidden Advocate
April 2013