# Ryan Carter

> Ryan Carter is a fee-only financial advisor at Funded Life Financial, LLC in Chicago, Illinois, who holds the CFP and ChFC credentials. Ryan charges a flat fee or retainer and an ongoing planning fee (no asset minimum) and focuses on flat-fee planning.

Page: https://find.wellspent.co/advisors/ryan-carter/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Funded Life Financial, LLC
- **Based in:** Chicago, Illinois
- **Fee model:** Flat fee or retainer; Ongoing planning fee
- **Fees (firm's website):** no asset minimum
- **Accepting new clients:** Not currently (firm's website)
- **Credentials:** CFP, ChFC
- **Specialties:** Flat-fee planning
- **CRD:** 7717775 (https://adviserinfo.sec.gov/individual/summary/7717775)
- **SEC registration:** Investment adviser representative in IL
- **Exams passed:** Series 65 (2022)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://fundedlifefinancial.com

## Frequently asked questions

### Is Ryan Carter a fee-only financial advisor?

Yes. Ryan Carter is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Ryan's firm.

### How does Ryan charge for financial advice?

Ryan charges a flat fee or retainer and an ongoing planning fee.

### How much does Ryan charge?

According to Funded Life Financial, LLC's website, checked October 28, 2026: no asset minimum.

### Where is Ryan Carter based?

Ryan Carter is based in Chicago, Illinois.

### What does Ryan specialize in?

Ryan's specialties include flat-fee planning.

### What credentials does Ryan Carter hold?

Ryan Carter holds the CFP and ChFC credentials.

### Is Ryan Carter registered with the SEC?

Yes. Ryan Carter is registered as an investment adviser representative in IL (CRD 7717775), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How do I contact Ryan Carter?

Through Ryan's website, fundedlifefinancial.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/ryan-carter-55931): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.fundedlifefinancial.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.