Carla Adams, CFP®
Financial Planner
The Hour
- Ask a financial advisor anything about investing in one hour
- No commissions, products, or sales pitch
The Plan
- An 8 week program to achieve a strategic plan for your financial life
- Get an 8+ page financial plan
- $0 due now, pay after your 1st meeting
The Ongoing
- Ongoing support and accountability when you need it
- Quarterly video calls & unlimited emails
- Annual 2 page financial checkup
About Carla
Bio
Hi, I’m Carla, and I’m living my best life doing what I love most — helping people with their money. I pride myself on creating a compassionate, judgment-free environment for my clients. My superpower is breaking down complex topics and explaining them in a way that’s clear and accessible to people who aren’t finance experts. While I truly enjoy working with all types of clients, I specialize in helping high earners navigate RSUs and company stock options, integrating equity compensation into their broader financial plan in a thoughtful, tax-efficient way. My investment philosophy is refreshingly vanilla — low-cost index funds, broad diversification, and long-term buy-and-hold discipline. If you’re searching for hot stock tips or market timing, I’m probably not the right fit. (Btw, if you are wanting to meet sooner than what's available on my calendar, shoot me a message and I'll try to fit you in!)
I Can Help You With
I Enjoy Working With
Personal Stuff
I grew up in Massachusetts (and love to go back whenever I can!) before heading south to attend college in Virginia. After that, I spent 12 unforgettable years in Chicago, where I built the early chapters of my career and met my husband. He eventually convinced me to move back to his home state of Michigan, and we’ve been living in the greater Detroit area with our two daughters since 2018. I enjoy yoga, nature walks, snowmobiling, a good glass of red wine, and, most of all, time with my family.
Education & Designations
Experience
Reviews
Clients say
Reviewers mention
- Retirement Planning
- Early Retirement
- Equity Compensation
- Restricted Stock Units
- Company Stock Options
- Tax Planning
- Tax Implications
- Tax Gain Loss Harvesting
- Portfolio Allocation
- Investment Strategy
- Portfolio Diversification
- Concentration Risk
- Knowledgeable
- Clear
- Patient
- Friendly
- Personable
- Professional
- Thoughtful
- Responsive
- Organized
- Trustworthy
- Proactive
- Client Focused
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Highly Recommend!
Carla is great! She was very knowledgable, easy to talk to, and answered all of my questions clearly. Her guidance helped me feel more confident about my financial decisions - particularly in regards to retirement & RSUs. I would highly recommend her!
Outstanding
Carla at Necterine Financial has been outstanding to work with. She combines deep financial knowledge with a calm, professional, and genuinely client-focused approach. Carla takes the time to explain options clearly, answers questions thoroughly, and makes complex financial decisions feel far more manageable. What stands out most is her responsiveness, attention to detail, and commitment to understanding each client’s individual goals. She is organized, trustworthy, and proactive, and it is clear that she truly cares about delivering thoughtful guidance rather than a one-size-fits-all solution. I would highly recommend Carla and Necterine Financial to anyone looking for knowledgeable, dependable, and personable financial support.
Had an initial meeting with Carla. She was well...
Had an initial meeting with Carla. She was well prepared, knowledgeable, easy to understand, and answered all of my questions Highly recommend.
I always have productive and supportive experie...
I always have productive and supportive experiences with Carla. I keep coming back to work with her. Thank you!
Super helpful and knowledgeable!
Super helpful and knowledgeable! Carla helped me sort out my RSU tax concerns and come up with a great plan for diversifying my portfolio. 10/10 would work with again. Thank you Carla!
Knowledgable and Personable
Carla made us feel at ease and was very patient. We discussed various topics and she was able to explain everything to us clearly. She was knowledgable and provided us with options and recommendations pertaining to our concerns.
Highly recommend
Carla is very knowledgeable and was very helpful with our financial situation.
Knowledgeable & Professional
Carla was knowledgeable and professional, she did not hesitate to ask the hard questions and really helped me understand all the moving parts with my financial situation. She was easy to talk with and I felt comfortable with her knowledge and expertise. She took the time to listen and familiarize herself with my situation.
Carla is fabulous! Don’t hesitate!
Carla was fantastic. She helped explain the various company stock options I had; making sure I understood the differences, the tax implications behind them both and gave her recommendations for my specific options. She made a daunting topic easy to digest and even helped me do my first sale. She even provided extra resources to help solidly the concepts. She is personable and flexible with the time; happy to help you in any way that you want during your hour with her. I would absolutely recommend her and plan to connect with her again in the future.
Well worth my money for Carla's time
I booked a one-hour session with Carla to go over a few financial and retirement questions. She had clear, well-reasoned answers for all of them and we were able to continue the conversation onto a number of other topics. She provided great advice and was able to help me look at my whole financial picture in a short amount of time. Highly recommend, thanks Carla!
Frequently Asked Questions
The Hour: You'll fill out a short intake form so we can learn about you and your goals for our meeting! In your Nectarine account, you can also enter your personal financial information (net worth and budget details) as well as upload files to your Secure File Vault. We also recommend that you have any necessary account login information ready.
The Plan and The Ongoing: You'll get access to a financial planning portal where you can share your numbers, link your accounts, and upload the requested documents (we'll share a list).
The Hour: Yes, you will receive an email summary with important takeaways and resources so you'll know what to do next.
The Plan: Yes, you will receive a 8+ page roadmap on your full financial picture with detailed information on the next steps. Your advisor will be available to help you implement any items.