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Meet The Team

  • David L. Carter, MS, CPA/PFS, CFP®, AIF®

    President & Founder

    dlc2After serving in the Navy and while continuing his service as a Naval Reserve Officer, David began his career in public accounting in the early 1980s. He founded Carter Asset Management in 1997 as the demand for independent investment advice and financial planning services grew out of his public accounting practice.

    Mr. Carter taught for almost 20 years as an Adjunct Professor of Accounting & Finance in the College of Business Administration at Abilene Christian University in Abilene, Texas. He was well known for his Personal Financial Planning classes, as well as his graduate course, Financial Planning for Practitioners, in the university’s Master of Accountancy program. He stepped down from the position in 2000, due to the increasing demands of his efforts with Carter Asset Management. He has also provided continuing professional education to several groups nationwide and has been a personal financial planning seminar speaker since 1986.

    David's wife, Suzanne, was an important and valued member of the team at Carter Asset Management for many years. They enjoy traveling when they have the opportunity and are active members of the Hillcrest Church of Christ in Abilene.

    Education

    • Bachelor of Science in Biology & Chemistry, Abilene Christian University
    • Bachelor of Arts in Business & Economics, Chapman University
    • Master of Science in Wealth Management, College for Financial Planning

    Licenses & Credentials

  • Cary D. Beard, CPA/PFS, CFP®, AIF®

    Vice President

    cdb1Cary joined Carter Asset Management in 2005. He began his professional career as an audit associate with PricewaterhouseCoopers in Dallas prior to focusing on financial planning and investment management services for individuals and small business owners beginning in 2000.

    In addition to his experience in planning for retirement, managing investments, and understanding the implications of Federal Income Tax for his clients, he has specific expertise and knowledge in the complex planning areas of corporate stock options, life insurance, retirement plans, charitable trusts, endowment management, and college education funding.

    Cary and his wife, Erica, each serve on the board of directors for various charitable organizations. They have two daughters, Kaylee and Campbell, and are involved members at Southern Hills Church of Christ.

    Education

    • Bachelor of Business Administration in Accounting, Abilene Christian University
    • Master of Accountancy, Abilene Christian University

    Licenses & Credential

  • Carolyn Newton, RP®

    Sr. Accounts Administrator

    cdn2Carolyn has been with Carter Asset Management since 2004, serving currently as our lead Client Service Specialist and Sr. Accounts Administrator. She is truly at the heart of our service to clients, who love working with her and depend upon her for many things.  She oversees the efforts for our clients pertaining to their investment accounts at Charles Schwab. She also assists with important compliance efforts for the firm, ensuring everything runs smoothly and efficiently.

    Carolyn's husband, Larry, is a retired public servant, having spent more than 36 years as a firefighter for the Abilene Fire Department. They have a son serving in the U.S. Army, a daughter who is an accountant in Wichita Falls, and two granddaughters.

    Education

    • Bachelor of Applied Studies, Abilene Christian University

    Licenses & Credentials

  • dillon a. cobb, cpa/PFS, cfp®

    Investment Advisor

    dac1Dillon has been with Carter Asset Management since 2009. His professional experience began in banking, including personal and business lending and relationship management, with small, local banks and large, global financial institutions.

    His prior experience also includes working as an audit associate with a regional public accounting firm, in which he examined several industries, including financial services, health care, real estate, oil & gas, and non-profit organizations. His aptitude for investments, coupled with his background in accounting, auditing, and financial analysis of various industries, provides a diverse perspective for assisting clients with meeting their financial goals.

    Dillon and his wife, Talan, grew up in the Big Country and returned home to raise their family. They have three children, Harper, Olivia, and Calvin.  

    education

    • Bachelor of Business Administration in Accounting, Abilene Christian University
    • Master of Accountancy, Abilene Christian University

    licenses & credentials

  • Karen Eichorst

    Accounting associate

    kke2Karen has worked with David Carter since 1989. After moving from Abilene in 1997, she has continued to serve clients as a part-time associate working out of her home in Lubbock, Texas. Her primary focus is providing accounting services for small business owners who are clients of Carter & Beard, P.C. 

    Karen's husband, Doug, is an engineer for the Texas Department of Transportation. They have four children, Trey, Dirk, Kaelee, and Kelly. 

    Education

    • Bachelor of Science in Agricultural Economics, Texas A&M University
  • Kelley L. Hathorn, CPA

    Tax Manager

    klh1Kelley is an outstanding accountant and tax preparer with a tremendous knowledge of the U.S. Tax Code, who joined our team in 2013. As the Tax Manager for our co-located accounting and tax firm, Carter & Beard, P.C., she is focused on tax planning, the preparation of tax returns, and providing comprehensive accounting and payroll services to small business owners. She has a broad range of experience in both public and private accounting, including serving as the controller of a car dealership and assisting her husband in numerous business ventures.  

    Kelley's husband, Mark, is the head tennis coach and Associate Athletic Director at McMurry University. They have three daughters, Amy, Madison, and Kaitlyn, and one grandson. 

    Education

    • Bachelor of Business Administration in Accounting (Summa Cum Laude), McMurry University

    Licenses & Credentials

    • Certified Public Accountant, State of Texas


  • Kelli Benson

    Administrative Assistant

    kgb1Kelli joined our team in January 2015 as an Administrative Assistant and Receptionist. She is often the first voice you will hear when you call the office and is dedicated to providing a high level of service. She has a broad range of excellent experience in client service, marketing, accounting, and office administration.

    Kelli's husband, Mike, works for the Texas Department of Transportation. They have a son and a daughter, and two grandchildren.

    education

    • Continuing Education Studies, Angelo State University
  • Mendy Phelps, RP®

    Office Manager

    mcp1Mendy has been with Carter Asset Management since 2001, first serving as an Administrative Assistant and now as the Office Manager. She has a heart for taking care of people and serving their needs, which endears her to clients. She oversees the firm calendar and manages a significant portion of the workflow within the office.

    Mendy's husband, Phil, is a talented carpenter and self-employed contractor. They have two children and six grandchildren.

    Education

    • Bachelor of Arts in Social Work, Texas Tech University

    Licenses & Credentials