Moss & Co. Financial was built on the idea that financial advice should feel clear, personal, and actually useful.
We help simplify the noise and turn it into a plan you can understand, trust, and follow with confidence.
We choose to work with a limited number of clients so we can be fully invested in each relationship—offering thoughtful guidance, not one-size-fits-all advice.
Our services are typically the best fit for individuals and families with $100,000 or more in investable assets, especially those preparing for retirement, managing a rollover, or looking for more clarity around their financial future.
That said, every situation is different. We may make exceptions for existing clients, family relationships, younger professionals with strong long-term potential, or people whose needs are especially well aligned with our work.
We begin with a simple conversation to understand your goals and determine if it makes sense to move forward together.
OUR PEOPLE
Financial guidance should be clear, practical, and accessible.
Carter Moss
Founder & Independent Financial Consultant
Shay
Chief Morale Officer & Director of Purr-sonnel
Meet Carter
Carter founded Moss & Co. Financial to make financial guidance feel clear, personal, and pressure-free. He works with individuals and families who want help making confident decisions about retirement, investments, rollovers, insurance, and long-term planning. His approach is straightforward: listen carefully, explain things clearly, and build strategies around what matters most to each client.
Around the Office
THE MOSS & CO. APPROACH
What Makes
Us Different
Financial advice should feel personal, understandable, and built around your life.
01 Your Plan Comes Before the Portfolio
We begin with your goals, priorities, timeline, income needs, risk tolerance, tax situation, and complete financial picture. Your strategy is built around you instead of a standard portfolio.
02 You Shouldn't Have to Chase Your Advisor
We stay in touch, review your situation, and reach out when something deserves your attention. You should always know where you stand and that someone is paying attention.
03 We Meet You Where You Are
We meet when and where it is convenient: at your home, your office, virtually, or another location that works for you. Financial planning should fit into your life.
04 No Surprises When It Comes to Cost
Before you make a decision, we explain the fees, costs, and how we are compensated. You will understand what you are paying for and what to expect from the relationship.
05 We Want You to Understand Your Money
We explain your investments, financial plan, and the reasoning behind our recommendations in straightforward language, so you can make informed decisions with confidence.
06 We Look at the Whole Picture
We consider how investments, retirement, taxes, Social Security, insurance, estate planning, major purchases, and family priorities fit together. When appropriate, we coordinate with your CPA, estate attorney, and other professionals.
Our Home
info@mosscofinancial.com
(434) 944-0082
We are located in Spirit Lake, Iowa. We’d love to meet in person or via secure videoconference, based on what works best for you.
www.mosscofinancial.com
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