About Nathaniel Carswell
About
Nathaniel Carswell, CFP®, CIMA®
Founder of Teachers’ Path Financial Planning
Hi, I’m Nathaniel. Growing up as the youngest of four in a working-class family, I saw firsthand the toll financial insecurity can take. That experience ignited my passion for financial planning and a desire to help others build a more secure future.
I’m a first-generation college graduate who knows what it’s like to overcome financial challenges and student loan debt. With 17 years of wealth management experience, including serving as COO at an RIA with nearly $1 billion in assets under management, I’m now committed to using my expertise to empower educators.
My Passion: Helping Teachers
After years of working with high-net-worth clients, I realized my heart was in helping those who truly needed and deserved financial guidance–teachers. You dedicate your lives to shaping the future, and you deserve a secure financial future of your own.
I firmly believe that comprehensive financial planning shouldn’t be exclusive to the wealthy. It’s a crucial process that can significantly increase your chances of achieving your financial goals. I’m here to make that possible for teachers.
My Certifications
My Credentials
01
- The CFP® designation is the gold standard in financial planning. Here's how it benefits you:
- Comprehensive Knowledge: CFP® professionals are trained in all areas of financial planning, including retirement, investments, taxes, insurance, and estate planning. This holistic approach is crucial for teachers who need to navigate complex benefit systems and plan for long-term financial security.
- Ethical Standards: CFP® professionals are held to strict ethical standards, ensuring that I always put your interests first. This is particularly important for teachers who may have encountered predatory financial practices in the past.
- Continuing Education: I'm required to complete ongoing education to maintain my CFP® designation, ensuring that I stay current with the latest financial planning strategies and regulations that affect educators.
02
- The CIMA® certification demonstrates advanced expertise in investment management. Here's why it matters for teachers:
- Specialized Focus: CIMA® professionals are not generalists. Their expertise lies in investment consulting, asset allocation, risk management, and portfolio performance measurement.
- Portfolio Optimization: With CIMA® training, I can help you optimize your investment portfolio within your 403(b), 457(b), and other accounts to align with your goals and risk tolerance.
- Risk Management: Teachers often have unique risk considerations due to their pension plans. My CIMA® expertise allows me to create balanced portfolios that complement your pension benefits.
- Performance Analysis: I can provide in-depth analysis of your current investments, helping you understand if your 403(b) or other accounts are truly serving your needs.
Why These Credentials
Matter for Teachers
- Relevant Expertise: My certifications as a Certified Financial Planner™ (CFP®) and Certified Investment Management Analyst (CIMA®) provide me with the expertise to address the financial complexities often encountered by educators, including navigating retirement plans and tax-advantaged investments.
- Fiduciary Commitment: As a CFP® professional, I'm legally bound to act as a fiduciary, always putting your interests first. This is crucial in an industry where some advisors may push high-fee products that don't serve teachers well.
- Complex Problem-Solving: The rigorous education required for these certifications has honed my ability to tackle the unique and often complex financial situations that teachers face.
- Ongoing Learning: Both certifications require continuous education, ensuring that I stay updated on changes in financial regulations, tax laws, and investment strategies that could impact educators.
- Credibility and Trust: These widely recognized credentials demonstrate my commitment to professionalism and expertise, giving you confidence in the advice you receive.
My Promise to You
“I’m not a flashy salesperson. I’m a dedicated professional who will provide you with a thoughtful, detail-oriented approach to your financial planning. My goal is to be your trusted partner, empowering you to make smart financial decisions and achieve lasting security.“
