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Experience and Credentials

About
Nathaniel Carswell, CFP®, CIMA®

Founder of Teachers’ Path Financial Planning

With 17 years of experience in the wealth management industry, I bring a wealth of knowledge and expertise to help educators secure their financial futures. As a Certified Financial Planner™ (CFP®) and Certified Investment Management Analyst® (CIMA®), I offer thoughtful, detail-oriented financial planning tailored specifically to the needs of K-12 public school teachers.

Credentials

As a financial planner dedicated to serving educators, I’ve pursued advanced certifications that directly benefit my teacher clients:

01

CFP® (CERTIFIED FINANCIAL PLANNER™)
  • 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

CIMA® (Certified Investment Management Analyst®)
  • The CIMA® certification demonstrates advanced expertise in investment management. Here's why it matters for teachers:
  • 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

  • Specialized Knowledge: Both certifications require extensive study in areas directly applicable to teacher finances, such as public sector retirement plans and tax-advantaged investment vehicles.
  • 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.
teacher at desk on computer

My Approach

  • As your financial partner, I promise:
  • A fiduciary commitment to always put your interests first
  • Transparent, ethical advice tailored to your unique situation as an educator
  • A thoughtful, detail-oriented approach to your financial planning
  • Clear, jargon-free communication to help you understand and feel confident in your financial decisions

Let's Work Together

I’m not here for fancy events or small talk. I’m here to have meaningful conversations about your financial future in a comfortable, judgment-free environment. Let’s work together to create a solid financial plan that supports your goals as an educator.

Schedule Your Free Consultation
By choosing a financial planner with CFP® and CIMA® credentials, you’re partnering with a professional who has the specialized knowledge and ethical commitment to help you navigate your unique financial journey as an educator.

Ready to take control of
your financial future?

Let's Get Started

Investment advisory services are offered through properly registered representatives of Forthright Capital Advisory, LLC dba Forthright Capital Advisory. The firm only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the commission and does not mean that the advisor has attained a specific level of skill or
ability. Insurance products are offered through Forthright Capital Partners, LLC. Forthright Capital Advisory LLC and Forthright Capital Partners LLC are separate entities that offer separate services and are unaffiliated with Teachers Path Financial Planning.

Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm’s ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations).

Form CRS – Firm Brochure

Check the background of your financial professional on FINRA’s BrokerCheck.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as financial, tax or legal advice. 

All investment strategies have the potential for profit or loss. Changes in investment strategies, economic conditions, contributions or withdrawals may significantly alter a portfolio’s performance. There is no guarantee that any specific investment or strategy will be suitable or profitable for a particular client. Past performance is no guarantee of future success. We cannot guarantee that a portfolio will match or outperform any particular benchmark. Diversification and asset allocation do not ensure a profit or guarantee against loss. None of the content should be viewed as an offer to buy or sell, or as a solicitation of an offer to buy or sell the securities discussed.

We do not offer tax or legal advice or services. Always consult with your own qualified tax/legal advisors. Life insurance involves medical and sometimes financial underwriting to qualify.

Both life insurance and annuity products have terms and conditions, fees and charges, including potential surrender penalties for early withdrawals. Annuity withdrawals are subject to ordinary income taxes and an additional 10% federal penalty if you are under age 59-1/2. Optional riders may involve additional cost. Product and feature availability may vary by state. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

Information on this website does not involve the rendering of personalized investment advice but is limited to the dissemination of general information on products and services. A professional adviser should be consulted before implementing any of the options presented. When working with us, we can assist you with insurance and annuity products and strategies, or you may also engage us for comprehensive financial and retirement planning through our Registered Investment Advisory firm. We will provide you with complete information about our fees and compensation structure before you engage our services.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks

Investments & Wealth Institute® (the Institute) is the owner of the certification marks “CIMA,” and “Certified Investment Management Analyst.”   Use of CIMA, and/or Certified Investment Management Analyst signifies that the user has successfully completed the Institute’s initial and ongoing credentialing requirements for investment management professionals.

Fiduciary financial advisor dedicated to helping teachers meet their financial goals.

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