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 M.

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

Carolyn W.

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

Jim O.

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.

Joseph W.

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 V.

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.

Patricia L.

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...

Helen E.

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.

Chad S.

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

Loretta S.

Since initially meeting the people from Care Financial around 2021 I have been completely pleased with the level of service they have shown and the kind manner in which they deal with their clients. Dave Schappals is a Super Star in every way and although I moved out of the area a couple years ago, I continue to do business with him and he continues to shine in every way. I have worked with other Financial groups in the years before finding Care Financial and none of them have made as much effort to be insure my financial needs are handled in the best way possible for my personal situation.

Okey P.

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.

Larry B.

David Schapals at Care Financial in Fairhope, AL, has been outstanding to work with. He explained my options clearly, built a plan tailored to my goals, and stayed transparent about fees and risks. Communication was prompt and professional, and I always felt my questions were taken seriously. If performance holds, I’ll be ending the year making 9% on my money — exactly the kind of steady, reliable result I was hoping for. Highly recommend David and Care Financial to anyone looking for thoughtful, trustworthy financial guidance.

Tammy H.

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.

Richard H.

Care Financial was outstanding in helping us find the best financial solutions for our needs.

Joseph F.

Since our first meeting with David Schapals at Care Financial we felt secure using them with our financial decisions! Dave makes you feel like part of a family and not just another customer!

Steve M.

Complete honesty and professionalism

William B.

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

Nancy F.

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