Carter was born in Australia in about 1883. In 1906, he married Charlotte Ella McKenzie, who, with her brother
John, had founded a fancy goods store in
Melbourne the previous year. Carter was John McKenzie's accountant, and the store would eventually grow to become the J.R. McKenzie retail chain in New Zealand, with Carter as one of its directors. Carter retired from day-to-day involvement with J.R. McKenzie Ltd in about 1928, while remaining a director of the company, and moved to
Auckland. ==Lawn bowls==