Care Financial

Your Retirement, Reimagined with Care.

Helping families across Mobile and Fairhope plan wisely for the future—with clarity, confidence, and a personal touch.
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Financial Guidance Rooted in Experience.

Serving Alabama’s Gulf Coast since 1985.

At Care Financial, we believe smart financial decisions come from understanding—not pressure. With three generations of family leadership and over four decades of experience, we’ve helped clients across Mobile and Fairhope navigate their futures with clarity. Whether you’re planning for retirement or protecting what matters most, we offer strategies built around your goals and comfort level. Our approach is personal, local, and always education-first. We take time to explain your options so you can move forward with confidence.

How We Can Help

Comprehensive planning with personal care

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Financial Planning

Align your money with your goals through personalized guidance that brings together retirement, insurance, and income strategies.



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Retirement Planning

From IRAs to 401(k)s, we help you prepare for the years ahead with a plan that fits your life and evolves as you do.

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Annuities

Explore solutions like MYGAs, SPIAs, and fixed index annuities—built to deliver steady income or grow your savings safely, all without market risk.

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Insurance Planning

Protect your family and future with customized life and long-term care insurance strategies that work within your overall plan.

Why Families Choose Care Financial

We’re neighbors, educators, and multi-generational partners in your financial journey.

For over four decades, Care Financial has served Alabama families with a deeply personal approach to financial planning. Our roots are local, our advice is always transparent, and our commitment to your peace of mind is what sets us apart. As a family-run firm, we value relationships over transactions, and we measure success by your confidence—not our commissions.

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Family-owned and operated for three generations

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Offices in Mobile and Fairhope to serve you locally

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Over 40 years of experience in safe retirement strategies

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Google Reviews

Sandra Masters

Great service and expertise! Highly recommend David Schapals for financial planning and investments.

Carolyn Wood

Care Financial has taken care of me and my family for over a decade and they are wonderful!

Jim Osmiley

Working with David Schapals was a great experience. His level of detail and advice was exceptional and the products they serve up are top notch.

Nancy Furr

First class financial advice. They are always looking for ways to help us that we may not be aware of. Thank you.

Chad Smith

Great experience! They are knowledgable, timely, and very personable! Will continue trusting them with our investments.

Michelle Schultz

Very courteous and professional! Top notch!

joseph wynne

David was exceptionally detailed with all aspects of our product transaction. Very knowledgeable, excellent communicator. I strongly recommend this firm and I’m very pleased with our partnership.

Monica Veldhuizen

If you want honest financial advice, David is the one to call. Always available, and quick to respond. Takes time to explain risks and benefits. You feel like family there. We have been with David several years, no regrets. Never forgets a holiday or birthday. Thank you David.

Ida Connolly

David is always there when I need more information

Jozef Ziska

We feel as though we have a very trustworthy financial advisor in David Schapals. We met him several years ago and he suggested we stay with what we had. In contacting him again this year, he gave us advice as to what our choices were--and we choose to go with his suggestions. Thank you David.

Patricia Lafon

We have been with Care Financial for a long time now. We deal with David Schapals who has been nothing but Great to work with he is very knowledgeable and understanding to what your needs are, we Highly recommend Care Financial/David Schapals to anyone who needs Excellent guidance to your Future...

William Banks

Very knowledgeable and professional, I want to thank you for all your help and support.

Cinderesa Armstrong

Informative and knowledgeable financial services

Tammy Holt

When I had some money to invest I couldn't find a good rate at any of the banks. They all had CD's and the rates were not that great. Care Financial showed me where I could invest it for 10 years and the first years interest was 8%. Sure there is a penalty if you need to take it out before the term is over but you can take the interest that you have earned out after the first year. That was perfect for what I wanted to invest and it's an extremely safe option.

Okey Peacoe

I have been very satisfied with the service of David Schapals and Care Financial. I contacted David nearly three years ago looking for an annuity to place my retirement in. He found exactly what I was looking for. He is always courteous and helpful should I have any questions. I would definitely use Care Financial again.

steve moore

Complete honesty and professionalism

Jim Beaver

Great.

Romulus Martin

The service is excellent and I appreciate the kind attitude.

Helen Eggleston

Although I never met David Schapals in person, he was very friendly and easy to get to know over the phone. He is professional, knowledgeable and made himself available to quickly answer any and all of my financial questions. David taught me a lot about investing, especially in MYGAs, which I was very satisfied with for 6yrs. David always went "the extra mile" when I needed his assistance with complex investments. I am happy to recommend Care Financial and my adviser, David, to anyone who is looking for a conscientious Agent who truly enjoys his job and cares about his clients.

Lisa Lewis

Very kind and sincere, and always available to discuss anything.

Susan Goodwin

David is knowledgeable, customer oriented, patient and very responsive. He helped educate my husband and I on the fundamentals of annuities and we were able establish accounts with Care Financial that have to date helped us with our retirement goals.

Cynthia Bricker

Working with David Schapals and Care Financial to establish a pathway towards my financial goals has been an enlightening and prosperous journey. David’s knowledge of the variety of different options available and his ability to tailor a plan for my goals is reassuring. He has always been prompt in responding to any questions that I have had. I highly recommend David and Care Financial.
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