• Carla Masselink, CFP®, CEP®

    Financial Advisor

    Senior Vice President, Investments

Your Partner in Financial Services

The best time to plant a shade tree was 20 years ago. The second best time is now. This speaks to my belief that anyone can achieve financial independence. It speaks to time, compounding and diversity.

You can work towards achieving financial independence with some surprisingly simple rules that make for success.

The first is time and this key rule works when you invest in the market and stay invested over time. If we look at the average return of 9%, an investor may double the investments every eight years. If you have more time, you could double, quadruple, eight times and sixteen times*. Begin as soon as possible and remember: it is never too late to plant the tree.

The extraordinary power of compounding is the second rule. Compounding is the interest earned on interest, and the dividends earned on dividends. It has been called the eighth wonder of the world. Invest gradually and consistently.

Diversification is the third key. History has shown the results of not diversifying. Even some of the best companies have downturns and losses. Overall, with diversity, it can be a smoother path to a successful financial result.

After 38 years in the financial field, my goal is to help you achieve your financial goals.

Favorite Quote

You make most of your money in a bear market, you just don’t know it at the time ~Shelby Davis

Community Involvement

  • Holland Zeeland Community Foundation,
  • Holland Area Arts Council
  • Orchestra, Christ Memorial Church
  • Concert Band, Hope College and American Legion Band

Where You May See Me Around Town

Walking my dog and perusing new shops, especially antique shops. I like to visit the Farmer’s Market and other fun events.

Fun Facts

  • I didn’t like math in school. Now I love it! It makes everything clear and links the past to the future.
  • I like to read historical novels. Although they are my favorite, most good fiction books are fun, as reading takes you into another life and another place.

My Colleagues Describe Me As

Helpful, Focused, and Knowledgeable

Licenses, Designations, and Memberships

  • Certified Estate Planner (CEP®)
  • Chartered Wealth Advisor (CWA®)
  • Investment Management Consultant
  • Licenses: Series 7 and 63
  • Insurance Licenses: Health, Life, Annuities and Long Term Care

Background and Education

  • Hope College (French and English majors); Magna Cum Laude
  • University of Michigan – Horace Rackham School of Graduate Studies
  • Grand Valley State University – Seidman College of Business
  • College of Financial Planning – CFP® coursework

* This is a hypothetical example for illustration purposes only. Actual investor results will vary.

The Investment Management Consultant designation is awarded to those who complete the Raymond James Institute of Investment Management Consulting program.

Diversification does not ensure a profit or guarantee against a loss. Investing involves risk and you may incur a profit or loss regardless of strategy selected.

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

Raymond James is not affiliated with the above organizations and/or charitable causes.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner,  CFP Logo Flame Design and  CFP Logo Plaque Design in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.