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Retirement

Women on the Rise

Women on the Rise Conquering: Unique Retirement Challenges. Financial success is a goal for many, but women face unique barriers that can make that goal more difficult to achieve. Understanding today’s financial landscape can help women rise to the challenge, know their worth, and take control of their futures.Daunting Realities Although history has seen some significant progress for women over the last century, there’s still a long way to go toward financial equality. Women make 80.5 cents for every dollar their male counterparts make in a similar job. (1) The average Social Security retired worker benefit for women is $14,928 per year, compared with $18,780 for men. (2) 46% of married women in their 50s in two-income households are at risk of being unable to maintain their standard of living in retirement. 32% of married women in their 50s in one-income households are at risk of being unable to maintain their standard of living in retirement. 39% of single women in their 50s are at risk of being unable to maintain their standard of living in retirement. (3)Enormous Potential The truth is, women wield a huge amount of influence over the economy, and their impact is only likely to grow. Women control 51% of all personal wealth in the United States today. (4) Over the next 40 years, women stand to inherit $28.7 trillion in intergenerational wealth. (5) On average, women save 9% of their salary. That’s almost a full percent higher than men. (6)Increasing Impact The numbers don’t lie: more women are successfully founding and leading businesses than ever, with impressive results. There are 114% more women entrepreneurs than there were 20 years ago. (7) The number of businesses owned by African-American women has grown by 164% since 2007. (8) Businesses founded by women deliver 2x more revenue per dollar invested. (9)Support for the Journey While we can’t create economic equality overnight, we can help make sure every woman is fully equipped, supported, and prepared to pursue her own unique goals. Let’s get to work, together. Sources: 1. Columbiathreadneedleus.com, 2019; 2. SSA.gov, 2018; 3. Forbes.com, July 10, 2019; 4. Georgetown University, 2018; 5. Visualcapitalist.com, March 4, 2019; 6. Visualcapitalist.com, March 4, 2019; 7. Fundera.com, 2019; 8. Forbes.com, January 28, 2019; 9. Forbes.com, January 28, 2019;
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NetVEST Financial, LLC is an independent wealth and estate management firm located in Scottsdale, Arizona. Please click on the following links to view the principles that are  important to our firm:

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Featured Team Member

John M. Cartolano (founder)

NetVEST Financial LLC is owned and operated by founder John M. Cartolano. A veteran in the financial services industry, John has been providing tax-advantaged investment, financial, retirement, & estate planning strategies and services...

Jayson C. Walker, Sr.

As NetVEST’s Executive Vice President, Jayson Walker Sr. uses his extensive knowledge and experience in retirement planning, investments, family wealth preservation, estate planning, long term care and insurance. His goal is to...

Kristi Cartolano

With nearly two decades of experience in marketing, sales management, and project development, Kristi Cartolano brings a creative mind to the NetVEST table. She serves as NetVEST’s Director of Marketing as well as Estate Planning...

Hermila Hurtado

As NetVEST’s Client Service Manager, Hermila (Hermy) Hurtado is responsible for enhancing our client experience by working closely with the marketing and operations departments. She has been a presence at NetVEST since 2007 and...

Andrea Sandry

Andrea Sandry re-joined the operations department in 2011 after a several-year hiatus and serves as NetVEST’s Administration & Technology Director. In addition, to her role as NetVEST’s internal accountant she also handles...

Michael Cartolano

Michael Cartolano joined NetVEST in 2012. As an Account Executive, Michael takes a comprehensive approach to wealth management for his clients that includes developing personalized strategies aimed at accumulating & protecting wealth, 

Kat Candreva

Kat Candreva has been a driving presence at NetVEST since 2012. As NetVEST’s Vice President of Operations

Sue Shannon

As NetVEST’s Tax Planning Coordinator Sue Shannon works primarily with Mr. Cartolano and Mr. Walker in the executive department of the firm. Sue obtained a bachelor’s degree in Management and...

Tamra Schertzer

With over twenty years in the customer service industry, Tamra Schertzer joined NetVEST in 2017 as our Director of First Impressions. Prior to NetVEST, she spent time in multiple managerial positions, where her duties focused on client...

Kelly Carlsen

Kelly Carlsen joined NetVEST in August of 2012 with a diverse background in financial services, management and as an entrepreneur. Before NetVEST, Kelly applied her sixteen years of financial services management skills at Bradley...

Elvio Scaramella

Elvio Scaramella joined NetVEST in 2019, bringing with him over 20 years of experience in the financial industry. As Managing Director of Business Development at NetVEST, Elvio oversees and specializes in business production strategies...

Verene Cartolano

Verene joined NetVEST in 2016 as a part time employee. As Chief Barketing Assistant, she ensures that everything that needs barked at gets barked at. Sometimes repeatedly. As our Morale Director she enjoys lifting people's spirits by...

Eric Dye

Eric Dye is NetVEST’s Director of Client Relations. Prior to joining NetVEST in 2019, Eric utilized his 30+ years of experience in the financial services industry at various firms, including JP Morgan/Chase, Financial Engines,...

Karen Perry

Operations Assistant Karen Perry joined NetVEST in 2021 with nearly three decades of experience in client services. Prior to joining the team, Karen utilized her managerial, organizational, and administrative skillset as a wholesale...

Trent Van Kempen

Trent Van Kempen joined NetVEST as an Operations Assistant in 2021. He earned his degree in Business Management with an emphasis in Finance & Economics from Grand Canyon University in 2018. Prior to joining NetVEST, Trent held...

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Securities offered through Registered Representative of Cetera Advisor Networks, LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), Member FINRA/SIPC. Advisory services are offered through Summit Financial Group, Inc., a registered investment advisor. Additional advisory services are offered through NetVEST Financial, LLC. Summit and Cetera are affiliated and are under separate ownership from any other named entity. John CA Insurance License #0B87071  Jayson CA Insurance License# 0D07035

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