Our Team

Mike Carmichael, RFC - Financial Advisor

Mike Carmichael, RFC, is the president of Carmichael Financial, LLC, an independent full-serviced financial services firm, with locations in Tucson, Arizona; Logan, Utah and Englishtown, New Jersey. The firm offers planning services for individuals, families, business owners, and executives in the areas of investments, risk management, Employer Sponsored Retirement Plans, tax strategies, retirement, estate, and business succession planning. Other services that Mike is able to provide is life insurance and long term care.

Carmichael Financial LLC is founded on the principles of trust, honesty, integrity and developing a relationship with our clients; which helps you to take control of your financial situation with your personal advisor who takes his time to help you to develop an investment plan that is tailored to your needs. The Carmichael Financial Team helps you work toward financial independence by planning and mapping out a personal detailed plan for success, which can help you  to build, preserve and manage wealth along with quarterly meetings to assess whether you are appropriately positioned for the new economic and market realities. Our passion for the financial industry, combined with dedication to our clients’ future is the foundation upon which built our firm.

Mike has earned a Bachelor’s degree at Northern Arizona University, obtained his FINRA securities registration, and his NMLS license. He has been professionally responsible for managing clients’ accounts for over 17 years. He has lectured at Utah State University, Stevens-Henager College and Community Colleges, as well as seminars for business owners such as Mountain View Machine Welding. Mike has been a member of the Cache County Estate Planning Board and has earned and received his Registered Financial Consultant (RFC) designation. Mike has receive the designation of Chartered Retirement Planning Counselor (CRCP) though the College of Financial Planning.



James Underhill, CFP® - Registered Principal

Jim founded Underhill Financial Advisors, LLC in 1997. Mike and Jim collaborate together with clients and find solutions to best fit their clients needs and wishes. Jim has an Engineering Degree and a Masters in Business Administration. Jim is a Registered Principal with Voya Financial Advisors. He serves on the board of the Southern Arizona Estate Planning Council and is a member of the University of Arizona Planned Giving Professional Advisory Council and a member of the Carondelet Health Network Advisory Council. Jim and his wife Suzanne have been married since 1985 and have two sons, Jonathan and Jordan.







Holly Warner - Business Development

In 2012 Holly started in the Utah branch as Administrative Assistant. Starting in 2013 she took over business development responsibilities for all three branch offices. She is currently studying for her CRPC.





Janine Ervin - Administrative Manager

  Janine joined Carmichael Financial, LLC 2012 as an administrative assistant. She works out of the Utah branch office.






 Joyce McCabe - Administrative Assistant

   Joyce joined Carmichael financial, LLC 2014 as an administrative assistant. She works out of the New Jersey branch office.