Business Details
41 Years
experience
Your Trusted Partner for Financial Planning Solutions
Care Financial has been a trusted partner in financial planning since 1985, offering personalized strategies tailored to individual goals. As a family-owned firm rooted in Mobile and Fairhope, Alabama, we prioritize education-first guidance and long-term relationships over transactional interactions. Our independence allows us to collaborate with hundreds of providers, ensuring unbiased advice and access to top-tier financial solutions. We specialize in aligning financial decisions with life goals through retirement planning, annuities, insurance, and comprehensive wealth management. Our approach emphasizes transparency, local expertise, and a commitment to client confidence, supported by over four decades of experience.We measure success by the peace of mind our clients achieve, not by commissions. Our team combines generational knowledge with a dedication to evolving financial needs, ensuring strategies adapt as clients progress through lifes stages. The Financial House framework visualizes how each planning component supports stability, growth, and protection against inflation and taxes. With offices in Mobile and Fairhope, we serve Alabamas Gulf Coast, offering personalized guidance for pre-retirees, families, and business owners.
Services
Financial Planning
Retirement Planning
Annuities
Insurance Planning
Wealth Management
Details
- Year established: 1985
Highlights and features
- Family-owned and operated for three generations with over 40 years of local experience.
- Education-first approach prioritizes client understanding over sales pressure.
- Multi-generational partnerships ensure strategies evolve with clients' life stages.
- Independence allows unbiased advice from hundreds of trusted providers.
- Financial House framework visualizes comprehensive, balanced wealth management.
What people say
Exceptional expertise
Personalized strategies
Trustworthy advisors
Long-term partnerships
Transparent guidance
Services
Financial Planning
Our financial planning service aligns money with life goals through personalized guidance. We integrate retirement, insurance, and income strategies to create comprehensive plans that evolve with clients' needs. With a focus on education and transparency, we help families and individuals build financial clarity and confidence.
Retirement Planning
Retirement planning services prepare clients for stable post-career income. We analyze 401(k)s, IRAs, and other assets to develop customized strategies that reduce risk while protecting principal. Our approach ensures clients maintain financial independence throughout retirement with adaptable plans.
Annuities
Annuity solutions provide market-risk-free growth and predictable income streams. We offer MYGAs, SPIAs, and fixed index annuities tailored to individual needs. These instruments help clients build secure retirement income or safely grow savings while maintaining principal protection.
Insurance Planning
Insurance planning services protect families through customized life and long-term care strategies. We help clients integrate coverage into their overall financial plans, ensuring protection against unexpected events while aligning with broader wealth management goals.
Wealth Management
Wealth management combines investment strategies with tax-efficient planning to maximize long-term growth. Our balanced approach considers market opportunities and protection needs, helping clients build and preserve wealth through diversified, goal-aligned portfolios.
People
Horst Schapals
Owner
Horst Schapals founded Care Financial in 1985, establishing its family legacy and commitment to personalized financial guidance. His leadership emphasizes ethical practices and long-term client relationships.
David Schapals
Vice President
David Schapals brings decades of experience in retirement strategies and annuities. As Vice President, he focuses on client education and developing customized plans that prioritize financial security.
Cameron Schapals
Junior Assistant
Cameron Schapals supports financial operations and client services, continuing the family tradition of personalized wealth management. He assists in implementing strategies aligned with client goals.
Rebekah Hurston
Office Manager / Insurance Agent
Rebekah Hurston manages office operations and provides insurance solutions. Her role ensures smooth client interactions while delivering protection strategies tailored to individual needs.
Sammy Wells
Financial Planner / Insurance Agent
Sammy Wells specializes in financial and insurance planning, helping clients protect assets and build secure retirement strategies through personalized consultations and expert guidance.
Questions
What financial services do you offer?
We provide financial planning, retirement strategies, annuities, insurance solutions, and wealth management tailored to individual goals and life stages.
How do annuities benefit retirees?
Annuities offer guaranteed income streams and market-risk-free growth, helping retirees maintain financial stability while protecting principal investments.
Can I use retirement accounts for annuities?
Yes, we help clients integrate annuities with IRAs, 401(k)s, and other retirement accounts for tax-deferred growth and income planning.
How does the Financial House approach work?
Our Financial House framework visualizes how emergency funds, investments, retirement income, and protection strategies work together to build financial stability and growth.
Do you serve clients outside Mobile and Fairhope?
While based in Mobile and Fairhope, we serve clients across Alabama’s Gulf Coast and assist remotely when appropriate.
