Carlos Temperan

Vice President of Personal Risk Management

Phone: Text or Voice: (786) 244-8458 Voice Only: (786) 223-3462

Guiding ultra-wealthy families and business owners in building disciplined, tailored strategies for long-term wealth protection and growth.

Carlos A. Temperan holds the esteemed position of Vice President of Personal Risk Management within the distinguished Coastal Wealth Private Client Group, a division of Coastal Wealth. As a key executive, Mr. Temperan collaborates with a team of adept financial professionals to serve the unique needs of ultra-high-net-worth individuals, including business owners. He specializes in crafting bespoke insurance solutions, implementing disciplined investment strategies, and delivering proactive, personalized service to clientele of discerning wealth.

‍

With an unwavering commitment to the stewardship, growth, and preservation of wealth, Mr. Temperan and the Coastal Wealth Private Client Group epitomize excellence in service and expertise.

‍

Since 2009, Mr. Temperan has garnered a plethora of accolades for his unwavering dedication to his clients' financial well-being. Mr. Temperan is a revered authority on the Florida Retirement System (FRS), having shared his expertise with thousands of individuals seeking guidance on navigating the intricacies of the plan. He is a sought-after speaker, having addressed audiences at various schools and universities.

‍

Recognizing the importance of community service, Mr. Temperan was recently elected Head of Personal Risk Management for the Latin American Association of Insurance Agents (LAAIA) and Executive Board of Directors. He is an active member of the South Florida Hispanic Chamber of Commerce (SFLHCC) and fervently supports Miami Dade County Public Schools, demonstrating an exemplary philanthropic spirit by dedicating his time, talent, and resources to the betterment of local communities.

‍

In addition to his professional achievements, Mr. Temperan is a skilled violinist who has showcased his talent with esteemed ensembles such as the Miami Symphony, New World Symphony, and West Palm Beach Opera House.

‍

Insurance representative of Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001, and its affiliated US insurance companies. Securities, investment advisory, and financial planning services offered through MML Investors Services, LLC, Member SIPC and a MassMutual subsidiary. 1000 Corporate Drive Suite 700 Fort Lauderdale, FL 33334 (954) 938-8800. Local firms are sales offices of Massachusetts Mutual Life Insurance Company (MassMutual) and are not subsidiaries of MassMutual or its affiliated companies. CRN is CRN202702-6010082

My Approach

Knowledge is the key to a successful financial future. My background, experience, and commitment to providing you with the resources you need to make financial decisions can help make your financial future as successful as you need it to be. I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them.

‍

This helps me recommend products and strategies designed to meet your current needs, and more importantly, your future needs.

My goal is to provide holistic, comprehensive financial services to individuals and businesses. I can help you make good financial decisions seeking to help avoid potential issues by providing you with superior client service focused on tailored, objective financial strategies, to help you reach your goals.

Our Six
Step Process

Six clear steps. One powerful strategy for your financial future.

Identify

your unique situation
and goal.

Gather Information

to prepare your strategy.
Managed

Analyze

your current portfolio to identify any gaps that may exist.

Present Strategy

review your goals and discuss recommended strateties

Review

strategies in place so you can make informed decisions & meet goals

Implement

strategies to help you achieve financial freedom.

Solutions That Have Impact

Achieving your financial goals takes patience to create the kind of possibilities that money can buy. Whether you’re saving for a home, a college education, a dream project, or preparing for retirement, having a trusted financial professional can support and guide you to make solid decisions that can turn life goals into reality.

‍

Personal Solution

Protection

Life Insurance
Disability
Income Insurance
Long Term Care
Medical | Health | Dental

Retirement
Services

401(k)
403(b)
457(b)
IRAs
Roth IRA
Defined Benefit Plans

Investment Products Services

Annuities (Fixed & Variable)
Brokerage
Investments

Estate Planning

Tax Efficiency Strategies
Charitable Giving

*Estate Planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney and/or CPA. Consult them for specific advice on legal and tax matters.

See If We’re The Right Fit

See Who We Help

Business Solutions

Smart solutions for succession, compensation, and employee benefits. Helping businesses protect what they’ve built and plan what’s next.

Succession
‍

Buy-sell protection
Key person coverage
Buy-out funding

Qualified Plans

401(k)
Simple/SEP IRAs
Defined Benefit Plans

Non-Qualified
Plans

Executive Bonus
Deferred Compensation
Split Dollar

Group Benefits*

Health Savings Account
Dental Insurance
Vision Insurance
Life Insurance
Long Term Care
Disability Insurance

* Some products offered by unaffiliated insurers.

Associated with MassMutualSupported Independence Platform