Business Details
41 Years
experience
Your Trusted Partner for Financial Planning & Retirement Solutions
Since 1985, Care Financial has been a family-owned firm dedicated to providing personalized financial strategies tailored to each client's unique goals. As a multi-generational business rooted in Mobile and Fairhope, Alabama, we prioritize education-first guidance, local relationships, and long-term planning. Our independence allows us to collaborate with trusted providers to deliver unbiased advice, emphasizing transparent conversations over transactions. With over four decades of experience, we specialize in retirement planning, annuities, insurance, and wealth management, ensuring clients feel confident in their financial decisions.Our approach, visualized through the Financial House framework, addresses emergency preparedness, retirement income, investment growth, and protection against taxes and inflation. We measure success by our clients' peace of mind, not commissions, and remain committed to serving as a trusted partner for families, pre-retirees, and business owners across the Gulf Coast.
Services
Financial Planning
Annuities
Retirement Planning
Insurance Planning
Wealth Management
Details
- Year established: 1985
Highlights and features
- We are a family-owned firm with three generations of leadership.
- We offer education-first guidance tailored to your unique needs.
- Our local expertise in Mobile and Fairhope ensures personalized service.
- We prioritize transparent advice without high-pressure sales tactics.
- With over four decades of experience, we provide trusted financial strategies for your future.
What people say
Great service and expertise
Exceptional level of detail
Knowledgeable and timely
Honest financial advice
Personalized approach
Services
Financial Planning
We align financial decisions with personal goals through comprehensive planning, integrating retirement, insurance, and income strategies. Our approach emphasizes education, transparency, and local expertise to build confidence. Clients benefit from a structured framework called the Financial House, addressing emergency funds, investment growth, and protection against taxes and inflation.
Annuities
We offer annuities like MYGAs, fixed index annuities, and SPIAs to create guaranteed income streams or grow savings safely. These tools help clients protect principal, diversify retirement income, and mitigate market risks. Our guidance ensures annuities fit within broader financial plans, balancing growth potential with security.
Retirement Planning
We design retirement strategies that reduce stress by projecting income needs, managing market risks, and optimizing Social Security or IRA rollovers. Our plans adapt to life stages, ensuring sustainable income and tax efficiency. Local expertise helps Gulf Coast residents navigate retirement with confidence and clarity.
Insurance Planning
We provide life and long-term care insurance to safeguard assets and family well-being. Our process starts with understanding client needs, then comparing options to ensure coverage aligns with financial goals. This protects against unexpected expenses and preserves legacies without over-insuring.
Wealth Management
We help clients maximize long-term wealth through balanced investment strategies that combine growth potential with principal protection. Our approach integrates tax-deferred growth, market risk management, and personalized consultations to build diversified portfolios aligned with individual risk tolerance and objectives.
People
Horst Schapals
Owner
As founder, Horst established Care Financial's commitment to personalized service and local expertise, fostering a family legacy of trust and financial education across the Gulf Coast.
David Schapals
Vice President
David leads client relationships with over 20 years of experience, specializing in annuities and retirement strategies. His detailed approach and responsiveness have earned consistent client praise for transparency and expertise.
Cameron Schapals
Junior Assistant
Cameron supports operations with a focus on emerging financial tools and client education, continuing the family tradition of innovation and service in wealth management.
Rebekah Hurston
Office Manager / Insurance Agent
Rebekah oversees daily operations and insurance solutions, combining administrative expertise with personalized client support to ensure seamless service delivery and policy alignment.
Sammy Wells
Financial Planner / Insurance Agent
Sammy specializes in retirement and insurance planning, leveraging deep local market knowledge to craft strategies that balance client goals with practical financial security.
Questions
What services does Care Financial offer?
Care Financial provides retirement planning, annuities, insurance planning, and wealth management, tailored to individual goals using a personalized, education-first approach.
How does Care Financial approach retirement planning?
We create income strategies that reduce risk, protect principal, and ensure clients won't outlive their savings, using tools like annuities and Social Security timing.
What types of annuities are available?
We offer MYGAs, fixed index annuities, and SPIAs, focusing on guaranteed income, market-linked growth with downside protection, and immediate payouts.
How does Care Financial differ from other firms?
As a family-owned, multi-generational firm, we prioritize local relationships, transparent advice, and a no-pressure approach centered on client education and trust.
Do you serve clients outside Alabama?
Our primary focus is Mobile and Fairhope, Alabama, but we may assist clients in surrounding areas through virtual consultations.
