BRIAN CARDEN
Insurance & Financial Advisor
LIFE INSURANCE | LONG TERM CARE | MEDICARE
FINANCIAL MANAGEMENT
About Me
Advisor | Author | Professional Explainer
In 2023, independent advisor, author, and professional explainer Brian Carden celebrated 40 years in the insurance and financial services industries. For the benefit of his clients, he is licensed for life & health insurance, property & casualty insurance, and securities (Series 6, 63, 7, and 65), making him uniquely qualified to offer honest, open advice on virtually every insurance or financial need. As an independent advisor, Brian has access to a diverse selection of providers and products, and is prepared to make suitable recommendations for you, your family, and your business.
Brian considers himself a “protection first, comprehensive financial advisor,” which was the catalyst for him to author his book Castles & Moats: Insurance, Investment, and Life Planning Simply Explained. For the duration of his career, the hallmarks of his independent practice are his firm beliefs in asset allocation, behavioral finance, and investor behavior in an ever-changing landscape. Although Brian no longer sells property & casualty insurance, his mantra for his practice remains true: If you’re going to build a castle of wealth, you need a moat of protection!
Insurance Services
Life Insurance | Long Term Care Insurance | Medicare
Brian is passionate about helping his clients navigate the often complex Medicare onboarding process. He also endorses permanent life insurance when appropriate and understands how to effectively integrate some form of long-term care into your financial strategy.
Financial Services
Comprehensive | Sensible | Strategic
Brian believes that every available financial product should be considered, including savings accounts, Turnkey Asset Management Programs (TAMP), and both fixed and variable annuities. He will do everything possible to ensure that you do not outlive your retirement assets and create a legacy of love and significance for your heirs.
Recent Blogs
Insurance • Finance • Family
Your check engine light is on…so what are you going to do? Well, normally you take it to either the dealership or to your mechanic to solve the problem, right? Also, it’s something that you want to get done ASAP. What does the “check engine light” mean to you from an investment standpoint? Simple, your accounts are not working to their optimal efficiency.
Retirement planning isn’t just about numbers on a spreadsheet—it’s about creating a future where you feel financially secure, enjoy your lifestyle, and leave a meaningful legacy. A simple yet effective framework for building a strong financial plan is the Needs, Wants, and Wishes approach. By organizing your financial priorities into these three categories, you can make smarter decisions, reduce stress, and ensure your money works for you in every phase of retirement.
As always, I spend a lot of my time reading all of the different pundits’ and economists’ thoughts on the year. Some of them are preaching Armageddon and warn us to expect the worst year in modern times. Many of them are so deep in financial theory, it makes my head hurt. Then again, the majority of them are talking about another great year for investors. For what it’s worth, I’m an optimist and see a continued bull market scenario.
It’s the week before Christmas Day and as you might imagine, I’m feeling rather nostalgic. In my home, there are many pictures that reflect memories of what Christmas was when we were young. Now that I'm older, Christmas sure has changed a lot, but the memories live on.
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